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NASW Accidental Death & Dismemberment Insurance Plan

If an Accident occurs - make SURE you're financially prepared with NASW's AD&D Plan


Accidental Death and Dismemberment (AD&D) Insurance Plan

A distracted driver, a missed step, or a fall off a ladder could wreak havoc on your family's finances. But with the NASW AD&D Insurance Plan you can help make sure your family is more financially secure if you are seriously injured or die from a covered accident.



Acceptance GUARANTEED!

Based on your valued status as an NASW Member, you are now guaranteed acceptance for an important expansion in your NASW Member benefits.

You do not need to prove you “qualify” … there are no long forms to fill out.

But you MUST register your acceptance by enrolling. We require a record of your acceptance and your first premium payment before your coverage can be put in force.

Up to $100,000 To Help Your Loved Ones Pay The Bills

No matter how seriously you take safety while you’re at home or while you’re out and about …
Regardless of how “defensively” you drive…
Even with countless safety regulations at work …
Accidents DO happen.

That’s why NASW set up this safety net … and authorized your Guaranteed Acceptance for up to $100,000 in NASW endorsed coverage.

You cannot be turned down when you enroll for this coverage today. As an NASW Member under age 70, you and your spouse can get $100,000 of coverage on a Guaranteed Acceptance basis for a few dollars a month.

Register now for up to $100,000 in benefits to your loved ones if you fell victim to a fatal covered accident.

Registering for this expanded NASW-endorsed Member benefit can mean cash benefit payments of up to $100,000 for your family – to help pay for groceries or any other bills — if you’re in a fatal accident. This includes:

  • Motor vehicle crashes
  • Accidental falls
  • Fires
  • Drowning
  • Wrecking an ATV or motorcycle
  • Falling from a tree stand
  • Hypothermia
  • And much more


*At age 70, all coverage is reduced by 50%.


Provides you with an easy and affordable way to help provide your loved ones with up to $100,000* in additional cash if you die or are seriously injured in a covered accident.


As an NASW member under age 70, you’re guaranteed acceptance. No medical exam or health questions are required. Your spouse/domestic partner under age 70 is also guaranteed acceptance. You and your spouse/domestic partner must be residents of the U.S.


If you sustain an Injury that results in any of the following Losses within 90 days of the date of accident, we will pay the sum shown opposite the Loss in the Loss Table shown below. We will not pay more than the Principal Sum to any one person, for all Losses due to the same accident.

For Loss of:Benefit:
LifePrincipal Sum
Either Hand or FootOne-Half of Principal Sum
Movement of Both Upper & Lower Limbs (Quadriplegia)Principal Sum
Movement of Both Lower Limbs (Paraplegia)One-Half of Principal Sum
Movement of the Upper & Lower Limbs of One Side of the Body (Hemiplegia)One-Half of Principal Sum
One Hand and One FootOne-Half of Principal Sum
One Hand or One FootOne-Half of Principal Sum
Sight of One EyeOne-Half of Principal Sum
Movement of One Limb (Uniplegia)One-Half of Principal Sum
More than One of the AbovePrincipal Sum
Speech and Hearing in Both EarsPrincipal Sum
Speech or Hearing in Both EarsOne-Half of Principal Sum
Hearing in One EarOne Quarter of Principal Sum

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number ADD-11243. No one can be covered more than once under this policy. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. This plan may not be available in all states.

*At age 70, all coverage is reduced by 50%.

GROUP Rates Help Hold Costs Down

Enrollment is restricted to NASW members (and their spouses) so you can take advantage of your group standing. Take a look at your competitve group rates:


Coverage Levels*$100,000*
Member Only$4.67
Member & Spouse$7

*At age 70 all coverage is reduced by 50%.

Monthly rates shown. For your convenience, you will be billed quarterly.

Rates and/or benefits may be changed on a class basis.

Your AD&D Insurance coverage starts the first day of the month after your enrollment form and first premium payment are received. You cannot be singled out for cancellation, a benefit decrease, or an increase in your premiums due to a change in your health or occupation. Your benefits will continue in full force as long as you pay your premiums on time, remain an NASW Member in good standing, and the Master Policy remains in force. Coverage for all insureds (whether member or spouse) will end when the member reaches age 80. Coverage for your Spouse terminates when your coverage is no longer active, or they are no longer eligible due to change in age, dependency or marital status.


Eligible Member: All active members of the Policyholder who: 1) are under age 70; and 2) are a citizen or legal resident of the United States, its territories and protectorates.

Eligible Dependents: Spouse means your spouse who: a) is under age 70; and b) resides in the United States; and c) is not legally separated or divorced from You. Spouse will include your domestic partner provided you have executed an acceptable domestic partner affidavit, establishing that you and your partner are domestic partners for purposes of The Policy. You will continue to be considered domestic partners provided you continue to meet the requirements described in the domestic partner affidavit.

Common Carrier means any land, water, or air conveyance operated by a concern, other than the Policyholder, organized and licensed for the transportation of passengers for hire and operated by an employee of that concern.

SEAT BELT BENEFIT: If an Insured Person’s or Eligible Spouse’s Injury results in a Loss of Life within 90 days of the date of the accident, under the Accidental Death and Dismemberment Benefit while: a) a passenger riding in; or b) the licensed operator of; a duly registered Automobile, and while wearing a Seat Belt at the time of Accident as verified on the police report, then the amount of the Principal Sum will be increased by the Seat Belt Benefit Amount stated in the Schedule.

Seat Belt Benefit: $10,000 (See Benefit)

Child Education Benefit: (Member Only) $3,000.

Child Education Benefit: (Applicable to Member Only)
If You sustain an Injury that results in Loss of life payable under the Accidental Death and Dismemberment Benefit, We will pay an additional Child Education Benefit to Your Child(ren).
This Benefit will be paid:

  1. after We receive proof that your Child(ren) qualify as a Student, as defined in this Benefit; and
  2. according to the General Provisions of The Policy.


If You die, the Child Education Benefit provides an annual amount stated in the schedule.
The Child Education Benefit is payable to each of Your Child(ren):

  1. on the date; and
  2. for whom; We have received proof satisfactory to Us that he or she is a Student.


If he or she is a minor, We will pay the benefit to the Student’s legal guardian. We will pay the Child Education Benefit to a qualifying Student until the first to occur of:

  1. Our payment of the fourth Child Education Benefit to or on behalf of that person; or
  2. the end of the 12th consecutive month during which We have not received proof satisfactory to Us that he or she is a Student.


We will not pay more than one Child Education Benefit to any one Student during any one school year.

Loss: means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints or, movement, complete and irreversible paralysis of such limbs.

Loss of Use: means a total and irrevocable loss of voluntary movement which has continued for 12 consecutive months.

Injury: means bodily injury resulting directly from accident and independently of all other causes which occurs while the Insured Person is covered under the policy. Loss resulting from: a) sickness or disease, except a pus-forming infection which occurs through an accidental wound; or b) medical or surgical treatment of a sickness or disease; is not considered as resulting from Injury.


The Policy does not cover any loss caused or contributed to by:

  1. intentionally self-inflicted Injury;
  2. suicide or attempted suicide, whether sane or insane;
  3. war or act of war, whether declared or not;
  4. Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority;

    (We will refund the pro rata portion of any premium paid for You or Your Dependent while You or Your Dependent are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You or Your Dependent enter the armed forces);

  5. Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician;
  6. Injury sustained while driving while Intoxicated;
  7. Injury sustained while On any aircraft:
    1. as a pilot, crewmember or student pilot;
    2. as a flight instructor or examiner;
    3. if it is owned, operated or leased by or on behalf of the Policyholder or organization whose eligible persons are covered under The Policy; or
  8. Injury sustained while committing or attempting to commit a felony.
    Intoxicated means:
    1. the blood alcohol content;
    2. the results of other means of testing blood alcohol level; or
    3. the results of other means of testing other substances; that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.


This information explains the general purpose of the insurance described, but in no way changes or affects Master Policy ADD-11243 as actually issued. In the event of a discrepancy between this information and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.


A.G.I.A., Inc., is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder. A.G.I.A., Inc., is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive. This is a participating group policy under which dividends and/or experience credits may be paid to NASW ASSURANCE SERVICES, INC. Compensation is paid to or retained by NASW ASSURANCE SERVICES, INC., directly or indirectly for services associated with this insurance program.


Endorsed by:

Underwritten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Read the full AGIA privacy policy.

Administered by:
Association Group Insurance Administrators
P.O. Box 26450, Phoenix, AZ 85068

NASW AD&D Online Enrollment

Pays IN ADDITION to Any Other Insurance

Your NASW accident benefits would be paid REGARDLESS of any other group coverage you may have.

That means you can rest assured your loved ones would collect the full cash benefits they’re eligible to receive.

It’s an easy way to help make sure your family has the additional money to help make ends meet — instead of worrying how they’d pay the bills — if a covered accident takes your life.

Underwritten by:
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155

Accident Form Series includes GBD-1000, GBD-1300, or state equivalent.

Policy Number ADD-11243

Terms Of Use

Terms of Service

Terms of Service
Please Read This Entire Agreement Carefully

You must agree to these Terms of Service (“Agreement”) in order to enter into a transaction on this website. Please read this Agreement carefully.

The terms and conditions set forth in our Privacy Policy are hereby incorporated into this Agreement.

The Program Administrator provides this website, (collectively “Website” or “Site”) the materials and services to you as a user conditioned upon and subject to your acceptance of this Agreement. By using and/or accessing this site or its services, you acknowledge that you have read, understand, and agree to be legally bound by this agreement.


The following defined terms are used in these Terms of Services:

“Program Administrator” means the entity that is offing and providing services through this website (collectively “Program Administrator” or “Administrator” or “we” or “us”).

“Carrier” means the insurance products described on this site are underwritten by reputable, licensed Underwriting Carrier(s).

“Service Provider” means service products are offered by a variety of reputable, approved vendors and their affiliates.

“Payee” means the merchant or other entity to which you authorize a bill payment to be directed.

“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

“Payment Instruction” means your instruction and authorization to the program administrator to make a bill payment to a payee.

“Payment Account” means the bank account that you authorize the program administrator to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

“Payment Card” means the credit card or debit card that you instruct your program administrator to charge to pay your bill payment.

“Business Day” means Monday through Friday, excluding Federal Reserve holidays.

Bill Payment Service

When you initiate a Payment instruction, you authorize your program administrator to charge your payment card or debit your payment account and remit funds to the payee. If we are unable to obtain funds for a bill payment for any reason associated with your payment card or payment account (for example, there is not a sufficient balance available on your payment card or in your payment account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your payment instruction, the program administrator may attempt to contact you, using the telephone number you have provided.

If the program administrator makes a bill payment to your payee account but is unable to obtain funds for that payment from your payment card or payment account, you agree that your bill payment to your payee account will be reversed.

You agree that from time to time the payment services contemplated under this agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond the program administrators control or which are not reasonably foreseeable to the program administrator.

Our Liability for Failure to Complete Transactions

The program administrator will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, we shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the Bill Payment Service because of the existence of any one or more of the following circumstances:

  • Sufficient funds are not available through your payment account or your payment card;
  • Failure of any payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;
  • The bill Payment service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
  • You do not provide us with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct payee account information; or
  • Circumstances over which the program administrator has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of nature, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.



User Authentication and Security

The Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) Data Security Standards so that no one can access your payment account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account Number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using the Bill Payment Service. If you permit other persons to use the Bill Payment Service or your bill payment authentication responses or other means to initiate a payment instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use the Bill Payment Service without your consent, you must notify us at once by calling the program administrator at (800) 424-5181 during normal customer service hours.

Errors and Questions

In case of errors or questions about your transactions, you need to contact us as soon as possible.

1. Telephone us at the program administrator (800) 424-5181 during normal customer service hours.

2. Write us at: Program Administrator
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068


Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your payment instruction. By submitting your payment instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the program administrator to charge your designated payment card or debit your payment account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.

Governing Law

These Terms of Services shall be governed by the laws of the state of California without regard to that state’s conflicts of laws provisions and by applicable Federal laws and regulations.


No delay or omission by us in exercising any rights or remedies under these Terms of Services will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.

Disclosures & Consent to Electronic Transactions / Electronic Signature

  • a. By entering this website and agreeing to be bound by this agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions
  • b. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct transactions in paper format if you wish. By entering this website and agreeing to be bound by this agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.
  • c. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance or service elections free of charge. Please print a paper copy of your elections for your records because if you will not be able to access your enrollment information on the site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the Program Administrator Office of Administration. You understand and agree that requests for change submitted to the carrier, service provider, or the Site will not be valid or take legal effect after the end of your enrollment.
  • d. Once you have given consent for an electronic transaction, you may withdraw your consent only if the carrier or service provider has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181 or by writing to the Office of Administration, PO Box 26450, Phoenix AZ 85068.
    There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance or service will remain effective until your request for cancellation is received by the program administrator policyholder or its representative.
  • e. You agree that your electronic signature authorizes The Underwriting Carrier(s), Service Provider(s) or its authorized representatives:
    • 1. to process this transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy or service agreement. For example, we will rely on your electronic signature to authorize us to process your request for service, insurance coverage(s) and beneficiary designation(s) made during your enrollment.
    • 2. to process, as applicable:
      • i. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or
      • ii. a billing transaction with your financial institution to deduct the appropriate amount from your account.
    • 3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.
  • f. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.

User Representations

You represent and warrant to the program administrator that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this agreement; (b) all information provided by you to the program administrator is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.

Additional Terms and Conditions

The program administrator provides information and services on this Website, and all layouts, materials, designs, and images on this Website are copyrighted or proprietary to the particular program administrator, its affiliated companies and/or third party service providers. As a condition of your use of this Website and the services, you agree that you will not use the contents of this Website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of the program administrator in any way; use the website or services to modify or manipulate the website or services or any of the program administrators hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of the carrier/service provider or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither the carrier, the service provider nor the program administrator makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. The carrier, service provider and the program administrator periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that the carrier, service provider and the program administrator take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that the carrier, service provider and the program administrator disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither the carrier, nor the service provider, nor the program administrator is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and the carrier, the service provider and the program administrator do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on the carrier’s insurance products or the service provider products as described in this website is not complete and does not change or affect the insurance policies or service agreements as actually issued. Although you have been provided with a description of benefits, you understand for insurance products, that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

For insurance products, you understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the program administrator policy issued to your association/policyholder. You acknowledge and agree that if program administrator participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

By enrolling you acknowledge that you have read the Program Administrator Privacy Policy on the program administrator’s website.


We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

Privacy Policy

AGIA Privacy Policy

AGIA Affinity (“AGIA”), believes protecting privacy of internet users visiting our website, (the “Site”), is of the utmost importance to ensure your trust in the programs we offer. AGIA’s Privacy Policy will inform you of the ways in which the Site collects personal information, the uses to which that information will be put, and the ways in which AGIA will protect any personal information you choose to provide us. For the purposes of this Policy, personal information that can be used to identify you or your activities on the Site of information about you which you provide to AGIA through services offered on the Site.

In many cases, AGIA will collect personal information on behalf of our commercial clients in accordance to a contract. In these circumstances, we act as a “Service Provider” or “Processor” to our clients under applicable privacy laws and are obligated to process personal information in accordance with clients’ instructions. In any case where AGIA is acting as a Service Provider or processor to our client, if you wish to exercise any of the rights outlined in this Policy, you should direct your request to our client, who is the party responsible for receiving, assessing, and responding to your requests. If a request is submitted directly to AGIA in a scenario where we only process your information in the role of Service Provider or Processor, AGIA may deny your request. If unsure, clarification of AGIA’s role regarding your personal information can be requested at anytime by contacting AGIA directly using the contact information described in this notice.

AGIA’s Privacy Policy applies solely to data collected via the Site. There may be additional personal information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. Personally Identifiable Information (“Personal Information”) means any information that could reasonably be used to identify you, including your name, address, birth dates, financial information, telephone number, social media contact information, or any combination of information that could be used to identify you. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the Site.

By accepting this Privacy Policy, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. By consent, you are acknowledging that you have read and understood this Privacy Policy and agree to be bound by it. If you do not agree with the terms of the Privacy Policy, please do not access our website. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy.

Personal Information We Collect

There is an opportunity on our website for you to voluntarily provide us with personal information for inquiring about AGIA’s business. For example, we will need personal information from you when you submit a question online, or request product information. This information includes your name and e-mail address. We use your voluntarily provided personal information to provide you exceptional service and to create a more meaningful visit for you at this website. You may also choose to apply for a job with AGIA and submit a job application via our career site at . Any personal information you send AGIA will be used only for the purpose indicated on the careers site or in this statement.

By providing us with personal information so we may assist you on this website, you are “opting-in” to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated, and you would like not be contacted again, please contact us using the procedures outlined below under “Questions About Your Information” to “opt-out” from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

When you visit this website, we collect and store non-identifying information about your visit. The information we collect may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet Service Provider (ISP) or your Internet Protocol (IP) Address. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and is anonymized to prevent personal identification.

How We Use Your Personal Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personal information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

  • Cookies: We may utilize website cookies to collect information for the purposes of Site functionality, analytics, advertising, IP addresses only where strictly necessary. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computer and stored on your computer’s hard drive but cannot read data from your hard drive. Cookies can be used to provide you with relevant content and to make it easier for you to use a website upon a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

  • Web Beacons: Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor’s cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

AGIA Personal Information Processing

Because AGIA offers various insurance and non-insurance products and services, it should be noted that the information below may not be applicable in all circumstances, data elements are dependent on the individual customer relationship.

Personal Information Category


Source Categories

Business Purpose for Collection

Third Parties With Whom we May Share Personal Information

Government-Issued Identifiers

 State ID Card
 Driver’s License

 Directly from you (or a member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Contact Information

 Company or School Name
 Mailing Address
 E-Mail Address
 Telephone Numbers

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Individual Identifiers

 Sexual Orientation
 Marital Status
 Veteran Status
  Physical or Mental Disability

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Other Identifiers

 Policy Number
 Employee/member ID Number

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Service Providers

Financial Information

 Financial Account Numbers
 Credit Card Numbers (Payment Card Data)
 Consumer Reporting Data
 Insurance Account Numbers

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration

 Service Providers

Health Information

 Inferred Data (Health)
 Status of Disability
 Data collected by a Healthcare Provider or Health Insurance Company Subject to HIPAA or CMIA
 Payment Information for Healthcare Services
 Information About a Consumer’s Diagnosis or Treatment for Health Conditions
 Patient records, clinical trial records

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Policy Administration and/or Claims processing
 AGIA services to the client
 Communication with Individuals

 Service Providers

Policy Information

  Any Policy or Documentation or Subsequent Information Submitted to AGIA in Order to Obtain Quotes for a Product or Service

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Employment-Related Information

 Job/Role Titles
 Resume with Work History

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration and/or Claims processing

 Service Providers

Commercial Information

 Service Records
 Personal Property
 Customer Service Records
 Communication Preferences
 Other Preferences

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
 Insurance Carriers, Agents, or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers
  Non-Client Business Partners

Audio, Video, or Other Media

 Customer Service Call Center Recordings

 Directly From You

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Direct Marketing
 Communication with Individuals

 Service Providers

Disclosure to Third Parties

This website does not sell or rent any of your personal information to affiliates or unaffiliated third parties. We will not share any of your personal information with third parties except in the circumstances described below or with your permission.

 We disclose personal information with third parties or affiliates that we in good faith believe are appropriate to enable them to provide services to you and to contact you regarding additional products and/or services that you have expressed an interest.

 Cooperation in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the -site’s Terms of Use or the Terms of Service Agreement, or as otherwise required by law. This may also include protecting and defending the rights, property, or safety of AGIA, other users of this Site or responding to claims that any content violates the rights of third parties.

 Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.

 We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

 As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personal information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 As otherwise permitted by federal or state law.

Do Not Track

 Some internet browsers offer the user a “Do Not Track” technology.  The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user.  At the current time, this Site does not have the capability of recognizing a “Do Not Track” request.


 The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, request for information on this website). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us.

 We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

 For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites.

 AGIA is not responsible for the content or privacy practices of linked websites or their use. Once you leave the Site using an external link, you should refer to those websites’ privacy policies, terms of use, and practices in order to evaluate how they will handle any information they collect from you.

Questions About Your Information

If you have any questions, concerns, or complaints about this Privacy Policy in general or questions related to your personal information, please contact AGIA customer service at (800) 424-5181, via e-mail at, or, if you would prefer to communicate with us by regular mail, please use the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question and when you enroll online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to ensure secure web pages in your browser using SSL, we’ve acquired a security certificate from one of the Internet’s leaders in secure web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

California Consumer Privacy Act and California Privacy Rights Act: Privacy Policy for California Residents

  This section of the Privacy Policy describes the rights of California residents under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”). The CCPA and CPRA requires that we provide privacy information to California residents and we use this separate section to ensure compliance with the CCPA and CPRA requirements. This section applies solely to natural persons residing in California (“Consumers”), and does not apply to individuals living elsewhere, businesses or other corporate entities.

Sale of Personal Information

  Personal Information is information that identifies, relates to or could reasonably be linked with a particular California resident or household. We do not sell your personal information.  The CCPA and CPRA requires disclosure of this fact.

Your Rights Under the California Consumer Privacy Act and California Privacy Rights Act

Right to Confirm or Access Information

  You may have the right to confirm whether we process certain information or what information we process, and to obtain a copy of that information in a format that allows you to transmit the information to another business without difficulty.

  Once we receive and confirm your identity and verifiable consumer request, we will disclose to you the following at your direction (with various exceptions):

a)  The categories of personal information we collected about you in the last 12 months;

b)  The categories of sources for the personal information we collected about you in the last 12 months;

c)  Our business or commercial purpose for collecting or selling that personal information;

d)  The categories of third parties with whom we share that personal information;

e)  The specific pieces of personal information we collected about you;

f)  If we sold or disclosed your personal information for a business purpose a list of the personal information types that each category of recipient purchased; and

g)  If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

  You have the right to request that AGIA delete any of your personal information we collected from you and retained, with certain exceptions. You will need to submit a valid and verifiable request so AGIA can confirm your identity and/or authorization to make such a request. AGIA will determine if retaining the information is permitted or required under the law. If no retention conditions apply, we will delete your personal information from our records and direct any Service Providers to do the same.

Right to Correct Personal Information

  Taking into consideration the nature of the personal information and the purposes of the processing of your personal information, you may have the right to correct inaccuracies in such information. Upon submission to AGIA of a valid and verifiable request where your identity and authorization can be confirmed, AGIA will use all reasonable efforts to correct the inaccurate information.

Right to Limit Processing of Sensitive Personal Information

  AGIA processes sensitive personal information only as necessary in performance of our services to ensure the security and integrity of your information or as otherwise specified under regulation. Because AGIA does not process your sensitive personal information for other purposes, there is not a mechanism for you to limit the processing of this information.

Right to Opt-Out of Profiling

  AGIA does not engage in automated processing of personal information to make decisions that yield legal or other material consequence. Because we do not engage in this processing, AGIA does not provide a mechanism for you to limit our processing of personal information in this manner.

Right to Opt-Out

  AGIA does not sell your personal information; therefore we do not provide a mechanism for you to limit our processing of personal information in such a manner.

Right to Non-Discrimination

  AGIA will not discriminate against you for exercising any of your rights under the CCPA or CPRA. Examples of discrimination could be charging you inflated rates by imposing penalties or granting discounts or other benefits, denying you goods or services or providing you a different level of quality of goods or services.

  Any acts of discrimination are prohibited by the CCPA and CPRA and AGIA will not engage in them.

Personal Information We Collect, Sources and How We Use It

  In our Privacy Policy, sections titled, “Personal Information We Collect”, “How We Use Your Personal Information”, and “AGIA Personal Information Processing” outline the personal information we collect, its sources and how we use it for all consumers we interact with, including California residents. In effect, it is used to provide and manage products and services we provide and support our everyday operations, including risk management, legal and compliance requirements.

Exercising Your Rights as a California Consumer

  You, or a person authorized by you to act on your behalf, or an entity registered with the California Secretary of State and authorized by you to act on your behalf, can make a request regarding your personal information under the CCPA and CPRA. You may also make a request on behalf of your minor child.

  If you would like to exercise your right to request a copy of your personal information or your right to delete your personal information, please contact AGIA customer service by calling (800) 424-5181, by email at, or utilize regular mail by using the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ  85068

Revisions and Notification of Changes

 We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this Site. Any changes AGIA makes to this Privacy Policy become effective immediately when the revised Policy is posted on this Site. By using this Site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers. If we make any changes regarding disclosure of personal information to third parties, we will attempt to contact you prior to the date the modified policy is scheduled to take effect. We will post notice of the new Privacy Policy from the privacy links on our Site. Your use of the Site following such change constitutes your agreement to follow and be bound by the Privacy Policy as changed.


AGIA does not knowingly collect, use or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. Further, if you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time. However, AGIA will never knowingly sell or share personal information of children if between 13 to 16 years of age or the parent or guardian of a consumer less than 13 years of age. This Site is not intended for children and any instance where such information was collected would be unintentional.