Insurance Programs

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Need a quote? Contact information for each program is listed below. With any additional questions, please contact Drew Miller at (800) 342-3197; (850) 224-2727 Ext. 270; or msc@ficpa.org.

Health Insurance

 
Image: CPA Insurance Marketplace

The next great benefit for FICPA members!

CPA Insurance Marketplace is here.

The FICPA welcomes the newest and most beneficial way to shop for your insurance needs! The CPA Insurance Marketplace offers you competitive options to shop, compare, and save on medical, dental, vision, life, disability, accident, and wellness insurance from leading providers, such as Blue Cross Blue Shield, Humana, Cigna, United Health One, Aetna, and more.

The CPA Insurance Marketplace is an exclusive opportunity available to members and their employees.

Image: Member Benefits, Inc.

Want to know more?

Visit memberbenefits.com/ficpa, or call (800) 282-8626.

FICPA's Association Group Term Life Insurance Plan

 

ING The Group Coverage is available to you through the FICPA and ReliaStar Life Insurance Company. As a member, term life coverage is available in the amount you select, from $10,000 to $500,000, in increments of $5,000. The premium rates are structured in 5-year age brackets. The plan includes a benefit that waives the premium if you become disabled (prior to age 60) and an option to have a portion of your benefit paid out during your lifetime if deemed terminally ill as defined in the certificate. The plan also has the option to elect Accidental Death and Dismemberment coverage for you, your spouse and employees. Other benefits include the following:

  • Members, spouses and employees of members can apply for amounts of $10,000 to $500,000 in $5,000 increments.
  • Dependent Child Coverage-One premium of $2.10 quarterly covers all eligible children, ages six months to 19 years, unless as student dependent to age 25, for $5,000.  Children ages 14 days to six months are covered for $1,000.
  • Available to active members under age 60 and employees of members who are actively at work
  • Continuous Coverage to age 75-Benefit reduces to 50% at age 60, 25% at age 70 and terminates at age 75. 
  • Waiver of Premium and Accelerated Life Benefits included.
  • Optional Accidental Death and Dismemberment Coverage
  • Individual Policy Conversion Option
  • Ownership Transfer available

10-Year Level Group Term Option

 

Lock-in your initial rate and coverage amount for a full 10 years!* At the end of the level-term period, evidence of insurability is required to enter another level term period (subject to maximum eligibility age).  If subsequent level-term period is not available, you do not lose coverage!  Instead, you default into the 5-year age bracket rates, assuming premium is paid.  Other benefits include the following:

  • Periodic Simplified Issue Underwriting Available-current members under age 50 may apply for up to $100,000 of term life coverage. Members 50-59 can apply for up to $50,000.
  • Fully Underwritten Basis- Current members under age 60 and under may apply for up to $500,000 of level term coverage.
  • Available to members, employees of members, and spouse of member.
  • Dependent Child Coverage available.
  • Accelerated Life Benefit-enables insured under age 60 to collect a portion of life insurance benefit while living, if deemed terminally ill as defined in the certificate.

This program is offered through Rogers, Gunter, Vaughn Insurance Inc. You may request an application for coverage or a policy brochure by contacting Darlene Hill at 800-893-7242.

For Summary Purposes only-For a complete listing of policy benefits and provisions, please refer to your Certificate of Insurance. 

*The initial premium will not change for the first 10 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

Professional Liability Insurance

 
CNA Insurance Company

The FICPA is pleased to offer its members the AICPA Professional Liability Insurance Program. The Program, endorsed by the FICPA, is underwritten by CNA, an industry leader in professional liability insurance with over 35 years experience, and brought to you by Aon Insurance Services, Plan Administrator since 1974.

The Program offers three plans to meet the needs of CPA firms of all sizes.

  • The CPA Value Plan is designed specifically for small firms, with annual revenue of up to $400,000 and three or fewer professionals. Click here for more information about the plan or click here to apply for your free, no–obligation quote.
  • The Premier Plan is designed for mid–sized CPA firms and the unique services their clients demand. Click here for more information about the plan or click here to request a free premium estimate.
  • The Regional Firm Plan is designed for CPA firms billing in excess of $10 million, excluding the Big Four. Click here for more information about the plan.

For more information about any of the plans, please contact Aon at (800) 221–3023. You may also speak with any of our local agents in the area:

Rogers Gunter Vaughn Insurance in Tallahassee, FL at (800) 893–7242.
Global Insurance Services, Inc. in Boca Raton, FL at (561) 487–6001.

Employment Practices Liability Insurance

 

The FICPA also offers members the AICPA–endorsed CPA EmployerGard, an employment practices liability insurance program which insures firms against risks such as, age, race or gender discrimination, sexual harassment, and wrongful dismissal. The Program, endorsed by the FICPA, nationally administered by Aon Insurance Services and underwritten by CNA, provides limits ranging from $100,000 to $5 million to qualified firms for their defense, settlements and judgments should they be sued for an employment practices–related dispute.

The Program also provides a host of risk control services to help firms understand and comply with employment law including, a legal hotline that provides access to an employment liability attorney when policyholders need advice. Additionally, policyholders receive newsletters, website publications and other information to help them understand the risks and reduce exposure.

Click here to request a free premium estimate.

For more information about the Program, please contact Aon at (800) 221–3023. You may also speak with any of our local agents in the area:
Rogers Gunter Vaughn Insurance in Tallahassee, FL at (800) 893–7242.
Global Insurance Services, Inc. in Boca Raton, FL at (561) 487–6001.

Long Term Care Insurance

 

The Florida Institute of CPAs has endorsed a discounted Long Term Care Insurance Program.  This discounted program is now being made available to all CPAs and their families. 

Considering the high cost for Long Term Care, this program is designed to help protect you, your family and your retirement security. Protection is available should you need care at home, in an assisted living or nursing home facilities.

To request information on this program click here or call 1-888-305-4582.

This program offers special discounts not available to the general public for:

  • you
  • your family members including
    • spouses
    • parents
    • grandparents

Auto Insurance from Liberty Mutual

 

Liberty Mutual InsuranceA Message from Liberty Mutual Insurance- Liberty Mutual has partnered with the FICPA to offer members exclusive savings on quality auto insurance.* Call 855-948-6267 or visit Liberty Mutual to learn more or get a free quote.  

*Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Umbrella (PLP) Coverage from Liberty Mutual

 

While your homeowners or auto policy provides some liability protection, an Umbrella policy protects your assets from large verdicts or settlements due to unexpected and unusual occurrences.  For more information on this additional liability coverage available to FICPA members, please call your local sales office at 800.835.0894 or visit www.libertymutual.com/ficpa.

Group discounts, other discounts, and credits are available where state laws and regulations allow. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA.)

Long Term Disability Insurance

 

The FICPA provides a Long Term Disability Insurance program through Member Benefits, Inc.  Members can request information on a Member Group Disability insurance plan that provides monthly income in the event you become totally disabled as the result of a covered accident or illness (including pregnancy). Coverage underwritten by Guardian Life Insurance Company of America, a disability insurance industry leader with an AM Best rating of A++ (Superior) as of March 2012.

Guardian Insurance

Features that work for you

  • Up to $10,000 of monthly disability coverage*
  • Own Occupation Definition of Disability
  • Special group rates CPA/Accountants.
  • Fast Underwriting- most applications approved or declined within 2-3 weeks
  • No medical exam typically required to apply**
  • No Annual Policy Fee
  • Your Choice of Maximum Payment Period and Elimination Period
  • Optional COLA and Critical Disability Benefits
  • Residual Disability Benefit
  • Waiver of Premium and Waiver of Elimination Period Benefits

For more information Get an Instant Online Quote or call Member Benefits, Inc. at 1-800-282-8626.

* Income and underwriting limits still apply.

** No medical exam is typically required to apply, however, Guardian reserves the right to request a completed exam and/or doctor’s records to determine insurability.

This policy provides disability income insurance only. It does not provide “basic hospital”, “basic medical”, or “major medical” insurance as defined by the New York State Insurance Department. North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT Plan. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company. This policy provides disability income insurance only. Products not available in all states and is only valid for distribution in the United States.(This website is for illustration purposes only. For complete policy terms, consult your policy G-00458022) Copyright© 2010-2014, Business Planning Concepts, Inc dba Member Benefits. All rights reserved.