Take a New Look Into Pearl's PhiDE Member Insurance Packages!
Marcy McWethy, Pearl Insurance
For more information about Phi Delta Epsilon's Member Insurance Program through Pearl Insurance, please call 866.809.5175 and ask for Seth Stufflebeam or Judy Frietsch.

Did you know that through Phi Delta Epsilon, you're eligible for substantial savings on quality insurance plans through Pearl Insurance? The PhiDE Member Insurance Program uses the power of group purchasing to bring you substantial premium savings. As a member of the PhiDE, you have the ability to secure portable coverage that stays with you even if you change jobs, as long as the group policy remains in effect, you pay your premiums when due and maintain your PhiDE membership.

Building upon our relationship with PhiDE and its members since 1983, Pearl Insurance continually strives to provide you with the most relevant, competitively priced member benefit insurance packages for individuals and families available. We've been providing associations like PhiDE with quality group coverage for more than 53 years, and would like to remind you of the insurance options Pearl has available to PhiDE members, alumni, and families.

Quality Plans Available to PhiDE members
As a member of PhiDE, you have access to a wide range of insurance products with special group pricing. PhiDE Member Insurance Plans are not only competitively priced to fit your budget-they're backed by quality coverage, excellent service and portability, so your policy stays with you even if you change jobs. Below is a listing of PhiDE Member Insurance products and benefits, designed specifically with PhiDE members in mind so you can focus on what's important: Life.

Term Life Plan. PhiDE Member Insurance's Term Life plan is an affordable option designed to create an instant estate so that your loved ones may continue to live comfortably should something happen to you. As a PhiDE member, you have access to benefits that include:

  • Coverage options of up to $500,000
  • Spouse coverage up to $250,000, provided coverage doesn't exceed your own
  • Non-Tobacco User discount for those who haven't used tobacco products for the last 12 months
  • If a total disability occurs before age 60 and lasts at least six consecutive months, your premiums and your family's are waived during the continuance of the disability or until coverage terminates
  • If eligible, an Accelerated Death Benefit option for early payment of 50% of benefits if a covered person becomes terminally ill-subject to terms and limitations
  • Conversion privilege to a permanent individual life plan up to full amount of coverage available when coverage terminates (at age 70 or if you're no longer a PhiDE member)

Disability Income Plan. Disability Income Insurance is designed to help protect your future in the event of a disabling accident or illness. It's important to remember that disabilities, which could restrict you from working, also include impairments such as cancer, heart disease, diabetes, blood disorders, and neurological disorders. Benefits to the PhiDE Disability Income Insurance Plan include:

  • A monthly income paid directly to you when a disability prevents you from returning to work
  • Up to 60% of your average monthly income (maximum of $5,000 a month)
  • Three benefit period options-up to two years, five years, or to age 65-and various waiting periods to choose from
  • Residual Disability Benefit-supplements your income if you return to work after a covered disability and your earnings are reduced by 20% or more

Dental Insurance Plan. Because quality dental insurance is sometimes hard to obtain on your own, PhiDE Member Insurance offers members a first-rate dental plan with the following features:

  • Choose your own dentist
  • Coverage for Basic, Major and Orthodontic Services*
  • Family coverage option
  • Preventive services are covered at 100% after the deductible is satisfied**
  • Up to $1,500 of benefits per insured person, per year***

*Orthodontic benefits are available depending on the plan selected. **Depending on plan selected. ***Senior plan has $1,250 maximum benefit per insured person, per year.

 Long-Term Care Plan. Recognizing the significant need for long-term care planning, the PhiDE Member Insurance Program also offers a valuable Long-Term Care Insurance Program, which includes:

  • Special discounted rates for PhiDE members
  • Comprehensive plans from multiple highly rated insurance carriers
  • Refund option for unused premiums (not available in all states)
  • Assistance with your questions on the program's costs and benefits through a partnership with Long-Term Care Resources, a National Network of Long-Term Care Specialists

For more information about Long-Term Care Insurance for PhiDE members and to request your free, no obligation, 56-page "A Shopper's Guide to Long-Term Care Insurance," developed by The National Association of Insurance Commissioners (NAIC), please call 800.616.8759.

Why Pearl and PhiDE Member Insurance?
These excellent plans are not only designed to benefit you, PhiDE's members and alumni. Pearl's PhiDE Member Insurance products also help attract new members, build member loyalty, and increase member retention-which in turn allows PhiDE to remain as strong an organization as it was when it was founded more than 100 years ago.

We identify with PhiDE's motto of "Deeds Not Words" and hope that you will take a look at the valuable packages Pearl Insurance has available through PhiDE's Member Insurance Program. These products are truly designed to protect you and your family, and we provide you with quality service and planning assistance to back them up.

For more information about Pearl's PhiDE Member Insurance Program, please visit our PhiDE website at PhiDEinsurance.com. If you have questions and would like to speak with a Customer Service Representative, feel free to call us at 866.809.5175. We look forward to building a solid future with you!