Our group insurance programs incorporate features such as risk pooling and the long-term approach to underwriting. These features help to mitigate potential volatility, which ultimately keeps costs down. Members actively participate in our group programs through governance roles, driving the decision-making process. Our organization focuses on collaboration to the extent that we are owned by the very organizations that we serve.

A unique feature offered in several of our group programs is the return of surplus to the members. At the heart of our work lies our dedication to risk management and use of data to drive our initiatives and lower the members’ overall cost of risk.