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Accident and Sickness, Short and Long-Term Disability Plans and Whole Life Insurance Supplemental Plans

Unexpected medical expenses and other unforeseen costs add up. When you have supplemental insurance from Combined Insurance, they’ll pay cash directly to you to help ease some of the expenses associated with a covered accident or illness (in addition to any other insurance you may have).

Choose your supplemental benefits based on your individual needs. Key features of supplemental insurance through Combined Insurance include: 
• Choice of accident and sickness plans, short-term disability insurance, and whole life insurance 
• Coverage 24/7/365 
• No medical exams required 
• Day-one coverage with most plans 
• Cash benefits that can be spent however you choose.

Enrollment is open year-round. Contact a representative below for more information or to enroll.
Greater NYC & Surrounding Area: 
Monique Albritton
(646) 598-2703
Monique.Albritton@combined.com 

Upstate New York & Surrounding Area: 
Lori Costello-Martin 
(518) 701-3939
Lori.Costello-martin@combined.com  

or Karen Montaque 
(917) 513-5970
Karen.Montaque@combined.com
 


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USI Affinity gives you access to cost-effective, comprehensive dental and vision plans designed exclusively for NYSAR members. 

Dental & Vision
 

As one of the largest dental insurance providers in the country, MetLife is well positioned to offer NYSAR members a range of dental options, affordable rates and a large network of participating dentists. Key benefits of the NYSAR Dental Plan include: 
Choice of four plan options with a range of coverage and cost.
Coverage for individuals and families.
Freedom to visit any dentist whether they are in or out of network.
Coverage for orthodontia.

Through this partnership with MetLife, vision coverage is now being offered as a standalone option in addition to being an optional rider on the dental policy. 

Enrollment for dental and vision insurance is open year-round. 

888.834.3713 


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Pet Insurance

Veterinary Pet Insurance® provides affordable pet health coverage from preventive care to significant medical incidents. NYSAR members are eligible for a 5-percent discount (or more for multiple pets), which makes this peace-of-mind protection even more affordable. Find out why VPI is the #1 choice in America for pet insurance.

1-877-PETS-VPI / (877)738-7874
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Errors & Omissions Insurance

As a Pearl Insurance insured, you'll gain access to our quality Real Estate Errors & Omissions Insurance as well as:

 
  • Extensive risk management tools and services.
  • Superior customer service.
  • Proactive claims handling and assistance by the experienced XL claims staff.
  • Expert defense against a claim from your state's dedicated panel counsel.

  • Find out how E&O coverage by NYSAR partner Pearl Insurance can benefit you.

    800.289.8170      
    www.pearlinsurance.com
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    Stay safe with discounted prospect verification 

    Verify the identity of prospective clients in seconds using just a phone number or name. Immediately identify criminal histories and validate information such as financial and asset information. To activate your FOREWARN service and take advantage of the 20-percent off NYSAR member discount, visit forewarn.com/nysar/ or call 561-757-4550.

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    Member Perks