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 Lori Costello-Martin below for more information or to enroll.

Lori Costello-Martin
13 Cornell Road, 1st Floor
Latham, NY 12110
(518) 701-3939


Access a range of dental options at affordable rates with a large network of participating MetLife dentists. Key benefits include:
• Three plan options (ranging in coverage and cost)
• Individual and family coverage
• Comprehensive, nationwide network of dentists
• Orthodontia coverage

Get focused on savings, choice and convenience with MetLife vision coverage, featuring:
• Two plan options
• Individual and family coverage
• Expansive network of private practice providers
• Savings on laser vision correction

Medicare is complex. Access expert guidance to help you explore your Medicare options and choose the best health plan for you, your lifestyle and your budget.

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Pet Insurance

Veterinary Pet Insurance® by Nationwide 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. Click here for more information.

1-877-PETS-VPI / (877)738-7874
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Real Estate ProtectionPlus exclusively through Pearl Insurance

Our Plus coverage comes with the experience you deserve, and the trust of REALTORS® across the country that you should expect. We've been protecting real estate agents since 1979 and were among the first companies to offer errors and omissions (E&O) insurance. We understand the ever-changing needs of your industry and work diligently with our partner carrier, AXA XL, to offer the latest and most important coverage options for real estate professionals.

Visit us at or call one of our E&O specialists at 855-465-0200 for more information. If you're ready to get the Plus today, get a quote online now!

360PROS-cyber-336x280Cyber Insurance & Compliance Tools

InfoSafe makes it simple and affordable for businesses to protect against a data breach and to meet the complex compliance requirements for safeguarding customer information. Reduce overall data breach risk and liability exposure, increase customer trust, and attract new business by being InfoSafe Certified! 

NYSAR members now have access to valuable cyber compliance tools and insurance programs to help mitigate and minimize the devastating effects of a data breach while ensuring your real estate business remains compliant with federal and state regulations. 

Receive a free initial consultation from InfoSafe to review your current level of compliance with federal, state and industry requirements. You’ll also receive a quick roadmap for how you can easily and affordably prepare yourself for future regulatory audits or data breach incidents.


  • Save $200 on a Standard Full Risk Assessment ($495, normally $695)
  • 20% Discount on all Risk Assessment, Compliance, and Breach Prevention Services

Get more information HERE.

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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 or call 561-757-4550.

Member Perks