Direct Selling Association Endorsement

Health, Life &
General Liability
For Direct Sellers
Exclusively Endorsed By
Direct Selling Association

No cost, No obligation
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 HEALTH INSURANCE PROGRAM

 F.A.Q.'s

 
Back To Main DSA Page

The following Q&A is designed to assist in your understanding of the Direct Selling Association's exclusively endorsed Health programs offering and what they can provide for both your company and your seller.

PRO Insurance Managers is the endorsed insurance brokerage for these programs.  Please feel free to contact Richard Fuchs II, President & CEO of PRO Insurance with any interest, or questions you have toll free at 877-CALL-PRO or 800-821-7383, x7700.  PRO will produce a personalized proposal for your company after you've completed the online Request For Proposal (RFP), to do so Click Here.

Below are questions, and answers, that are may help in your evaluation of these benefits offerings.

How does a seller find information and rates?
Does PRO Insurance require funding by the member company?
Is the product available in all states?
Is the product a "group" product?
Do you have other customers (companies) currently participating?
What support will be provided for Spanish speaking audiences?
Describe PRO's ability to offer a broad scope of coverage options?
How does a member company "launch" these programs?
Please describe the stability of your organization?
Is it possible to share insurance commissions?
Are there promotional materials available?
 

 

Q:    How does a seller find information and rates for themselves and/or their family?

A:     The preferred method is to have PRO Insurance develop and host a branded landing page for the member company and to have sellers link to that page once logged into their account on the members "intranet".  This is done at no cost to the member company.  See a sample landing page by clicking here.

After clicking over to the page on PRO's site, sellers will easily find complete program information, immediate free online rate quotes (allowing companies to compete for their business) and they can even go so far as to apply for coverage if desired.

On all pages, toll free telephone numbers are provided so that they may call and speak with a professional licensed insurance agent who can also help guide and advise of plan choices and options.  No involvement by the member company is needed save the area on their site to link to these services hosted by PRO Insurance.

 

Q:     Does PRO Insurance require funding by the member company in order to offer the insurance products to representatives?

A:     No, except for in the joint marketing and promotion of the benefits programs to members direct selling representatives.  We expect that as partners, we both have responsibility for promoting these programs as vigorously as possible.  A part time selling rep can quickly be converted to a full time rep (and possibly at an earlier point) with the availability of quality health plans to replace those provided by an "employer".

 

Q:     Is the product available in all states?  If not, in which states is it not available?

A:     Yes, the programs are available in all states. 

 

Q:     Is the product a "group insurance" style product?

A:     No, the products offered are individual/family coverage and this helps to maintain the independent contractor status required by most association clients.

We started marketing to, and were endorsed by national association groups over 50 years ago.  From direct selling groups to grocers, lawyers, airline pilots and small business associations.

Our association partners also do not pursue a "group" program since it would be a "one horse show".  There may be a few variations, in deductibles, or coverage’s, but it is only one company, one plan.  The variety of customizable plans offered utilizing the current configuration means sellers are more likely to find coverage that suits them and their budget.

PRO Insurance Managers, as an independent national broker, not only represents the interests of each association member, but also virtually all of the major (at a minimum "A Excellent" rated) insurance carriers across the country.

PRO’s approach ensures that companies compete for the business of DSA members, something a single "group" plan can not match.  Members will also likely see plans that they would never have access to through a "local" agent.  PRO is in the top level of most companies agent force due to our consistent, higher production levels.  We utilize the increased buying power that is focused through our agency to continually improve the products offered.

 

Q:     Do you have other customers (companies) currently participating in this type of benefits offering?  How many participants?  And how successful have those programs been?  What have been the challenges?

A:     Exclusively endorsed by multiple national association groups, we leverage the aggregated buying power to effectively garner the most beneficial coverage’s and rates from the highest rated carriers for members.

The programs have proven to be quite successful.  Due in large part to the fact that no one today is untouched by health care issues; whether increasing premiums, lack of affordable coverage or being disenfranchised from their position and coverage through an employer group.  The well orchestrated marketing to members/reps and the easy access to coverage information and premiums via links to PRO Insurance’s web site, make these programs a winner not only for the member/rep but for the DSA member company.  Trust is immediately established with an endorsement and that enables the process to move along more swiftly.

As noted earlier this is an extremely beneficial means of attracting and retaining representatives.  They have the opportunity to move to full time status at an earlier date with the benefits being offered, as this is the single biggest factor to that decision.

 

Q:     What support will be provided for Spanish speaking and other non-English speaking audiences?

A:     Distributors may contact PRO in a variety of ways for information, advice and answers to frequently asked questions. Many of our promotional forms are currently available in Spanish. With the expansion of our customer service area, we are targeting bi-lingual skills including Spanish, in those hires.

 

Q:     Describe PRO's ability to offer a broad scope of coverage options and products to the distributors.  Can every applicant at least obtain some form of coverage?  What are the applicant acceptance rates for each of the products that will be offered to distributors?

A:     We believe that the programs are amongst the most broad and competitive available.  PRO constantly monitors all plans and will align with those insurance carriers that meet program standards.  As a brokerage, we are free to utilize any programs that will help to enhance the benefits.  PRO Insurance currently utilizes the combined power of multiple national associations to ensure the most stable and financially sound insurance companies are utilized and that they compete for the business of our association partners.  We offer the guaranteed lowest premiums through companies we represent.

To accommodate the greatest number of those who have coverage needs and to cement a lasting, broader relationship with a distributor, the scope of our program offerings is continually scrutinized and evaluated.

Acceptance rates for each program are 100% for those that qualify.  Acceptability under Individual/Family plans is guaranteed by current Affordable Care Act (ACA) guidelines.  An application form is required.  No tests or physicals are required.

 

Q:     How does a member company "launch" these programs? What initial and ongoing marketing assistance is required from the DSA member companies, if any?

 A:     The DSA and its member companies should vigorously promote the programs in as many ways as are available.  A part time selling rep can quickly be converted to a full time rep (and possibly at an earlier point) with the availability of quality Health plans to replace those provided by a current "employer".  PRO is responsive and desires to participate in promotion wherever possible, including any national and regional meetings, where we speak to the groups and set up table/booth space for program information and promotion.

The more effective method has been via emailed announcements on a regularly scheduled basis to distributors.  Additionally, deriving good scores has been the insertion of a promotional buck slip in distributor checks.

Many of our current association partners provide PRO Insurance with complementary advertising in various ways.  Examples include booth or table at meetings, submission of topical articles by PRO for inclusion in member communications magazines, they will also place ads in these same magazines and newsletters, further promoting the programs.  Companies will comp these costs due to the fact that we are assisting their members to become full time marketers and they in turn are reaping benefit from the increased business placed by that distributor.

As stated previously, the most successful campaign models involve direct links from member intranets to branded pages on PRO's website.  This method provides immediate access to timely information, FAQ’s, quotations and forms.

To recap, many of the following marketing methods are quite effective:

  • Member Links directly to PRO Insurance’s website

  • Email Directly To Participants

  • Emailed Newsletters and Topical Information

  • Telemarketing

  • Direct Mail

  • Convention Attendance

  • Speaking Engagements

  • Association Publication Newsletters

  • Trade Publication Advertising

 

Q:     Please briefly describe the stability of your organization, contact people, ongoing development and the overall ability to provide quality services for the DSA and its member companies on a long-term basis?

A:     Our firm’s roots date back to 1951 and we were exclusively endorsed by the DSA in 2005 following a 2 year vetting period.  PRO Insurance Managers, being an independent brokerage firm, provides members with access to virtually all major carriers through one source ensuring choices not available locally, or through a single company "group" plan.  Having multiple companies compete for a distributors insurance plan, helps ensure that they receive the best in coverage and pricing.

Association benefits programs are what we do, it is our primary business.  We do not, like competing firms, dilute our focus.  We contract with highly rated, financially stable carriers, committed to the segments we target, for plans that provide continuity of benefits across most of the U.S.  Carriers utilized are rated "A Excellent" or higher.

Today, exclusively endorsed exclusively by over 70 national association groups, we leverage the aggregated buying power to effectively garner the most beneficial coverage’s and rates from the highest rated carriers for members.

A testament to our professionalism is that we have never had a Professional Liability/Errors & Omissions claim filed against our firm.  We have grown our business very carefully, calling on historically sound principals and modern methods of prompt delivery.  We have rigorous hiring and training programs, have specific policies and standards for serving customers and continually monitor the quality of our service.  We will clearly communicate and market to our customers the key differences and advantages in doing business with PRO, as opposed to degrading or "knocking" the competition.  We will be sure that our target customers know that choosing PRO as a broker is the best choice for consistent, high quality products and service and that we are their Advocate.

The infusion of quality personnel will help to ensure an ongoing and stable facility for the DSA now and in the future.  With roots dating back to 1951, we believe stability has been clearly demonstrated, along with a prospering business and quality people committed to a common goal.

 

Q:     Is it possible to share insurance commissions with the DSA member firm, or to pay a "referral fee" or a "finder’s fee?"

 A:     Insurance commissions are regulated and can not be shared with an association, or other entity that is not insurance licensed.

 

Q:     Are there promotional materials available?

 A:     PRO makes available promotional pieces that can be branded for the requesting company.  They are then provided in electronic format so that the company may attach them in communications with their field or print as required, lead time is generally 1 or 2 days.  PRO does not generally provide printed materials due to the diversity of companies and their individual needs.  If a company would like to have pieces printed, PRO can provide quotes for doing so.  Please contact Richard Fuchs II with any requests at 800-821-7383, x7700 or by email at rfuchs@pro4.us

Frequently Asked Questions
Short Term Special Events:
 
 
Concessionaires, Exhibitors & Vendors
 
Entertainers & Performers:
 
 
 
How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
 
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When should we make our coverage effective?
The effective date is the date you need your insurance to start. For many, this is the first day that your organization has set to up for the event. Coverage will be in effect for the time period of the event.
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What is Host Liquor?
This program provides coverage if the named insured conducts an event or activity where alcoholic beverages are served or furnished, with or without a charge, and is not required to obtain a license or permit to do so. If a liquor license or permit is required, claims resulting from serving or furnishing alcoholic beverages will be excluded unless Liquor Liability Coverage option is purchased.
 
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Will we receive a policy after submitting the enrollment form?
No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.
 
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I have been asked by the facility that I am using for the event to add them as an additional insured to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember provide their complete name, address and relationship to you. All requests must be made in writing.
 
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Can I apply for coverage over the phone?
Unfortunately, we are not able to take your information over the phone at this time. You can apply for coverage online or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail.
 
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What is a general aggregate?
This is the maximum amount to be paid out in any policy period for all losses.
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What are certificate requests? How do I complete this section on the enrollment form?
A certificate is a document prepared by K&K providing you evidence of coverage. You will automatically receive a certificate providing you with proof of coverage once coverage is bound. You will need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility you are utilizing for your event.
 
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I have been asked by the facility that I instruct at to add them as an “additional insured” to my policy? What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment. Please remember to provide their complete name, address and relationship to you. All requests must be made in writing.
 
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Will I receive a policy after I submit the enrollment form?
No, you will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through sports, Leisure and Entertainment Risk Purchasing Group (RPG). The PG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to obtain coverage through the RPG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each member – there are not share limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc. 1712 Magnavox Way, Fort Wayne, IN 46804.
 
Top of Page
 
 
How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
 
Top of Page
 
When should we make our coverage effective?
The effective date is the date you need your insurance to start. If you are renewing annual coverage with K&K, use the expiration date of your coverage. Coverage will be in effect for the time period selected.
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If we need to request another certificate of insurance for a specific event that we are attending, how do we do this?
A written request from the insured contact is required. There is a certificate request form that will be sent with your original coverage documents that can either be faxed or e-mailed to K&K. Please allow adequate time for processing.
 
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Can I apply for coverage over the phone?
Unfortunately, we are unable to take your information over the phone at this time. You can apply for coverage online or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail.
 
Top of Page
 
What is a general aggregate?
The general aggregate is the maximum amount to be paid out in any policy period for all losses.
 
Top of Page
 
I have been asked by the event that I am exhibiting at to add them as an additional insured to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are the landlord or sponsor. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may request an additional insured in the appropriate section of the enrollment form. Please remember to provide the complete name, address and relationship to you. Additional insured requests must be made in writing.
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What is the co-insurance penalty referenced with Equipment and contents (Inland Marine) coverage?
The Equipment & Contents (Inland Marine) policy contains a 100% coinsurance clause. With a 100% coinsurance clause, you are agreeing to accept a penalty if a covered loss occurs and all of your equipment and contents are not insured to their replacement cost value. For this reason, it is vital that the values of your equipment and contents be accurately reported and updated annually to reflect inflation and other increases in cost. If they are undervalued, a coinsurance penalty may be applied at the time of a loss. The penalty equals the difference between the amount of the loss and the amount actually paid by the carrier.

The simple formula used to arrive at the amount to be paid by the carrier is as follows:

“Did” / “Should” x Loss Amount – Deductible = Amount Paid.
“Did” = the amount of coverage you did purchase
“Should” = The replacement value of your equipment & contents that you should have insured.
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What does the term “replacement cost” value mean with regards to equipment & contents (inland marine) coverage?
Replacement cost means that the value of covered property will be based on the replacement coast at the time of loss without any deduction for depreciation. It is limited to the cost of repair or replacement with similar property and used for the same purpose.
 
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Will we receive a policy after submitting the enrollment form?
No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.
 
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