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Enjoy the Benefits of Our Individual and Family Plans We Are Dedicated To The Professional Association Insurance Industry Nationwide.

Association Group Accident & Disability Insurance

Professional Insurance Administrators with Dependable Policies

Our Professional Insurance Administrators at Insurance Specialists, Inc. offer an extensive range of group accident and disability insurance plans to clients. All of our plans provide affordable group rates, customized coverage amounts, and numerous other benefits that make protecting yourself and those you care about as easy and effective as possible.

Please note that not all products are available to all Associations. If you are a Member and have questions, contact an MSA.

Types of Insurance

Whether you are looking for added protection against long term disability, accidental death and dismemberment, or other accidents that may occur, we are sure to have a product that is a perfect match for your specific needs!

Our Association group accident and disability insurance plans include:

  • Long term disability insurance plan, which is available to Members who are up to the age of 60 and actively at work.
  • Business overhead expense disability insurance plan, which is available to Members who are under the age of 60 and actively at work.
  • Accidental death and dismemberment insurance plan, which is available to Members under the age of 65.

Providing Quality Benefits at Competitive Rates

With over 60 years of experience at our side, we have constantly strived to provide each client with products that are dependable, accurate, and consistent, while also ensuring that they receive the professional and personalized service they deserve.

Our goals are to help you choose the plan with the highest quality benefits to match your needs at competitive rates. Once a policy has been purchased, we are dedicated to maintaining continuity of coverage and consistency of service. If you are also interested in learning more about life insurance policies, we provide plans specified for that kind of contingency as well.

Read our reviews below!

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Insurance Options

Long Term Disability Insurance Plan 
Available to Members up to age 60, who are actively at work.

  • Disability insurance protection against injury and sickness
  • Affordable group rates
  • Coverage amounts up to $12,000 per month available to many Associations
  • "Your Occupation" Definition of Disability included
  • No offsets against other Disability coverage you own, Workers Compensation or Social Security
  • 60, 90, and 180 day elimination periods available
  • Maximum benefit to normal retirement age: 5 Years and 2 Years

Simplified Issue Long Term Disability

  • Only 6 health question
  • Monthly benefit up to $6,000 for those ages 44 and under
  • Monthly benefit up to $3,000 for those ages 45-54
  • 60, 90 or 180 day waiting period
  • 5 year or through 65, maximum benefit duration periods

Business Overhead Expense Disability Insurance Plan 
Available to Members under age 60, who are actively at work.

  • Affordable group rates
  • Designed for Members of Bar, Dental, and Medical Associations to help pay office overhead expenses during periods of disability
  • Coverage up to $20,000 per month available based on your normal monthly business overhead expenses
  • Covered expenses include: Rent, Utilities, Employees' Payroll, and any other normal monthly business expenses you incur in your practice
  • 15 or 30 day elimination period
  • 24 Month Maximum Benefit Duration

Accidental Death and Dismemberment Insurance Plan 
Available to Members under age 65.

  • "Guaranteed Issue" coverage - no medical underwriting required
  • Affordable group rates
  • Optional coverage amounts up to $500,000 available

*Not all products on this page are available to all Participating Associations. Check your specific association page for a reference of your association's products.

Our Testimonials

Past Members Speak Their Mind
    "Thank you for helping me!"
    Thank you for helping me! It is nice to have a knowledgeable local agent and your process is so much more convenient than what I’ve been dealing with for so many years. Thanks again.
    J.T.
    "I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies."
    Thank you for your time this morning during our discussion about my insurance policies. Peter and I really appreciated your explanation regarding our benefits as well as some of the nuances of the policies. What a treat compared to some responses we've gotten over the years - thank you! Hope you had a good rest of the day and that you have a nice week. And thank you in advance for putting together our policy information to send via USPS. Much appreciated!
    B.M.
    "I appreciate your guidance in getting the best plan in place."
    First, I would like to thank you for your assistance in obtaining a $100,000 life insurance policy which is a better plan for me. Jane Corbett, my sister, has been corresponding with, per my authorization. She mentioned to me that you had e-mailed her regarding the cancellation of the $25,000 Policy # MET-2-1543 and $29,000 Policy # MET-2-387 or to just let them lapse. Since the replacement policy of $100,000 is now in place as I received the Certificate Confirmation Statement along with my Certificateholder Benefit Plan, I am authorizing the cancellation of the two above mentioned policies. Again, I appreciate your guidance in getting the best plan in place.
    R.L.
    "I certainly wish there were more dedicated insurance agents like you."
    I certainly wish there were more dedicated insurance agents like you. I will always want to keep this life insurance for myself and my husband. I guess I need to add a second beneficiary so the benefits won’t be paid to my estate in the event my husband has died before me. Thank you.
    M.P.
    "I can’t think of any other time I’ve had an assignment executed so quickly."
    Wow. I can’t think of any other time I’ve had an assignment executed so quickly, never mind having two all done! You are definitely the man, Mike. Much appreciated…
    L.K.

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Quality Benefits, Ease of Application, & Competitive Rates

It's What You Deserve
  • We're A Client-Centered & Family-Owned Business
  • We Provide Competitive Rates For Insurance Products
  • We Maintain High-Quality & Exceptional Benefits
  • We Have Over 60 Years Of Experience