Association Clients Member communication and education
is key to the success of your plan. AHP clients can
download and request membership materials online or update
their association member benefit communication schedule.
Health Savings Accounts
Member's receive feeless and seamless HSA administration
while potentially saving an average of 42% on their annual
health insurance premiums. Significant tax advantages
also apply to qualified members.
Members may also choose their own
custodial HSA account manager.
MembersRx Card *
Free member prescription drug card with guaranteed member
savings of 25% and up to 60%. Members are not required
to enroll in the Association Health Plan to receive this
valuable benefit.
MembersRx card is private labeled
and tracked for your association group, providing aggregate
membership data on overall savings and trends.
We
provide the information and tools
(along with excellent rates) that
members
need to help take the mystery and hassle out
of buying life insurance.
Our plans provide up to $200,000 of guaranteed issue
life insurance* and up to $5,000,000 of member
qualified life insurance.
Why do members need Life Insurance?
Life insurance is an essential part
of financial planning. One reason most people buy
life insurance is to replace income that would be
lost with the death of a wage earner. An important feature
of life insurance is that no income tax is payable
on proceeds paid to beneficiaries. The death benefit
of a life policy owned by a C corporation may be
included in the calculation of the alternative
minimum tax.
How much Life Insurance do members
need?
Before buying life insurance,
members
should assemble personal financial information and
review their family's needs. There are a number of
factors to consider when determining how much
protection members should have. These include:
any immediate
needs at the time of death, such as final
illness expenses, burial costs and estate taxes;
funds for a
readjustment period, to finance a move or to
provide time for family members to find a job
ongoing
financial needs, such as monthly bills and
expenses, day-care costs, college tuition or
retirement.
Although there is no substitute
for a careful evaluation of the amount of coverage
needed to meet your members' needs, one rule of thumb used
is to buy life insurance that is equal to five to seven
times annual gross income.
Health Savings Accounts
