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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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.

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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