Why Us?
Experience in the health insurance and benefits industry. NPB has been in the insurance industry for over 25 years. Our goal is to provide associations, and other organizations, programs for their membership, such as health, life, long-term care, disability, dental, and vision insurance, retirement, financial, and estate planning. We have the knowledge and experience to get the job done!
Large block of business with the insurance carriers. Because of the volume of our business, we have strong relationships with major nationwide insurance carriers. We have our own personal underwriters, which gives us the ability to work with pre-existing conditions for our clientele. Local agents can't do this and are often commission driven to only represent very few carriers. This also gives us a "heads up" on changes in the industry with the carriers and with health care in general. Renewals many times are negotiable.
Full array of programs under one roof. Because of our alliances nationwide, we can offer association & organizations a full array of programs for their membership, all under one entity. Ranging from health insurance, life, and long term care to retirement planning, from annuities and pension plans to e-commerce and website design and internet marketing services, all at association/member special rates.
Proprietary products. As stated earlier, we have strong relationships with large insurance carriers. These relationships also bring up proprietary products, designed with the association members' needs in mind. These products are top quality at reasonable prices. The products we offer must be better and unique, not a "street" product without large blocks of business and protect our members against large rate renewals and our plans cannot be cancelled.
Customer service and creative ways of solving members' issues. The organizations customer service is like none other. From the beginning of your experience with us, you'll receive a live professional when you dial us! You'll receive creative solutions to your insurance dilemmas and escalating costs, that will help bring you into the future of healthcare! We help over 90% of our members who call in and can be medically underwritten.
Fast claims and excellent renewal service: The quality of our company that brings us to the top is our claims expertise and help. If a member receives a claim and is confused or thinks it is incorrect-no worries! Just send a copy to our specialists and your worries are gone. We will take it from there. When the member's renewal rate comes in, we immediately make sure the rate is not above the average in their area. If it is, then we work hard to use another one of our proprietary products to assure them of not losing quality coverage and not over-paying for it.
More added benefits. Local brokers are unable to provide any security, stability, or continued non-dues revenues, as their operations are not funded to our capacity or performance. Premium rate stability is accommodated through our negotiating with carriers for your members.