Association Benefits

association pageAffordable Accidental Death Plan:

With return of premium in 20 years while coverage doubles: 50k, 75k & 100k available; same premium at every age; guaranteed issue; short application; no medical questions. Higher limits available up to $500,000.

Identity Theft Plans:

For associations and groups. Pricing is determined by numbers and whether employer paid or voluntary.

Association Long Term Care Plans:

Special benefit discounts and underwriting available to employer groups, qualified associations and couples. Predictable underwriting, top commissions and excellent marketing support.

Free Prescription Rx Plan:

For agents to participate in as a giveaway to clients and groups or for lead generation. Excellent discounts on generic and brand name prescriptions with compensation paid based upon utilization.

Guarantee Issue Life, Dental, and Vision Plans:

Available for qualified associations. Can also be customized to meet requested specifications. Plans can be private labeled.

Specialty A&H/AD&D Products:

Available to very large, qualified organizations, associations, financial institutions and employer groups that meet certain criteria. High limits available for pennies per thousand.

Medical Coverage around the Globe:

People, Students, missionaries, business travelers and others can now have medical coverage while outside the United States. Both group and individual plans available from 1 to 365 days and longer. Also trip cancellation plans available.

Cardiovascular Screening Programs:

Available for large associations, Insurance Companies and employer groups. These can greatly aid in the management of health claim costs as well as with actuarial underwriting costs.  Screenings available nationwide with commissions paid based upon utilization.

Stand Alone Hearing Benefit:

National provider network allows for national distribution to groups and associations. Pays compensation based upon utilization.

Fully Insured Legal Services Plan:

For groups and associations of five or more. This very popular and affordable employee benefit includes a national network of 25,000 attorneys.

Fully Insured Commercial Drivers Legal Plan:

Designed to cover the long-haul truck driver as well as protect the driver’s carrier. This program endorsed by the American Trucking Association.

Fully Insured Pet Insurance Plan:

For groups and associations of five or more. One of the fastest growing employee benefits in the nation. Works just like major medical insurance. Accepted by all veterinarians.

Turn Key Property and Casualty Program:

Providing Homeowners, Auto, and Renters insurance through a turn key marketing plan. Available to large employer groups and associations of 500 or more.

Web Page Design Services:

For business owners, agents, and others wanting to enhance their business with a website presence.  Hosting services available as well.  Very cost effective and affordable pricing.

ClearValue Healthcare Hearing Benefit Plan

Whether you are associated with an existing hearing aid discount company or are considering including hearing healthcare in your benefits package ClearValue Hearingis the premier program in hearing healthcare for organizations, insurance groups and businesses.

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LICOA Brokerage Service Incorporated

A wholly owned subsidiary of Life Insurance Company of Alabama.
Dedicated to providing products and services to our agents and their clients.

Agent Support

Larry Culver, CLU
National Marketing Director
205-422-4389  /  800-532-0853