Blue Cross Blue Shield of Michigan insurance programs give qualified members the best possible value on insurance.
For questions about your coverage or to enroll in the Michigan Association of REALTORS® BCBSM insurance program, contact Gadeleto Ramsby & Associates at 800.748.0166.
Real Estate Errors & Omissions (E&O) coverage from Pearl Insurance is underwritten by the A rated (by A.M. Best) XL Insurance companies (through Greenwich Insurance Company and Indian Harbor Insurance Company). Pearl Insurance has been offering comprehensive E&O Insurance coverage to MAR members since 1993.
Because Pearl understands real estate professionals’ hectic lifestyles, we designed our Click. Quote. Buy. process for E&O shopping. We’ve made it easy for you to login, obtain a quick
E&O insurance quote —and, if qualified, even buy your policy—online immediately. Not ready for a quote? Get an
E&O Insurance Estimate!
As a Pearl E&O insured, you’ll receive valuable risk management tools and services to help educate you on effectively minimizing your legal liability. All attendees of our Risk Management Seminars are eligible for premium credits. In addition, you’ll gain access to our entire online library of monthly Risk Managers and receive mailings of our quarterly newsletters. View samples of our
E&O Risk Management Material. Call us today at 800.289.8170 or check out Pearl’s
E&O Insurance Highlights for real estate professionals.
Completing all of the paperwork associated with a typical real estate transaction — listing and sales contracts, offers and counter-offers, disclosure statements and countless other important documents — can be a time-consuming task. ZipFormDesktop can help you speed up the process by sharing data between all documents related to the same transaction — simply fill out one form and the information is automatically shared with all of the forms required to complete a transaction. With ZipFormDesktop you’ll spend less time managing paperwork and more time closing the deal.
Through your membership in MAR, you gain access to more than thirty national member benefits, from discounts on computers to standardized forms, to rental cars, and cell phone services.
Featured NAR member benefits programs include:
Marketing
Insurance Warranties
Financial Services
Office Solutions
Technology
Travel
MAR is pleased to continue it's partnership with one of the nation's premier community image marketers, CGI Communications. Through a 3-year campaign which began in 2009, CGI has helped MAR build an innovative technology strategy to promote association awareness as well as communicate to members in new dynamic ways.In late 2009, MAR launched it's first video magazine series in partnership with CGI. View the 1st magazine here. Stay tuned for a second video series to launch in late spring. Also view a sample of an MAR SmartCast here.
CGI Sales Executive, Brian Villinsky and his associate, will be contacting MAR members to demonstrate not only what CGI is doing for the association, but what CGI Communications can also do for your business.
To learn more about CGI Communications products and services available to REALTORS®, contact Brian Villinsky directly at (800) 398-3029 ext. 246 or brianv@cgicommunications.com and visit http://www.elocallink.tv/web/main/myorg/myorg.php
30% of NAR members are without health insurance according to a recent survey conducted by the Association. NAR has teamed up with SASid (Smart and Simple insurance development) and developed the REALTORS® Core Health Insurance (RCHI) program. The program not only features guaranteed coverage, but also offers affordable plan options and your members have the freedom to choose their provider.
Frequently Asked Questions
How can RCHI help my members?
RCHI provides opportunities to those who have struggled to gain coverage by providing guaranteed-acceptance and accessible medical insurance. It also makes existing coverage more affordable by allowing members to adjust their current deductible and supplementing it with an RCHI plan .
What is the difference between Major Medical and Limited Medical insurance? It is important to understand the difference between Major Medical (comprehensive coverage) and Limited Medical insurance. Major Medical provides catastrophic coverage and high limits of coverage (typically $1 million or more). Limited Medical (RCHI) provides the guarantee of affordable insurance but limits its coverage to everyday illnesses and accidents. In addition, the maximum benefits paid in each medical situation are capped.
What is a PPO and what doctors does it include?
A Preferred Provider Organization (PPO) is a network of doctors and hospitals that contract with an insurance company or employer to provide employees with services at competitive rates. Covered members and dependents can use any licensed medical provider. Those who attend a medical provider who is part of the Beech Street Network will be eligible for additional savings. You should encourage members to use this valuable benefit where available. To check if a medical provider is part of the Beech Street Network, go to http://www.beechstreet.com/.
Are medications covered?
All plans include a discount prescription drug card. Members can save up to 50% on generic brands and up to 15% on brand names.
When does coverage begin?
Coverage becomes effective next day (12:01 am) following the date the completed enrollment form is received and approved, or a specified date in the future, provided that full premium for the coverage has been received.
Who is eligible for the RCHI plans?
All NAR members, and their eligible dependants, can obtain a plan.
The following are qualifying dependents:
- Their lawful spouse; and
- Their unmarried child or children who:
- Reside in their home for more than 6-months a year
- Chiefly relies on their for support and maintenance; and Who is under 19 years of age (the Limiting Age).
Individual dental plans from Blue Cross Blue Shield of Michigan
Blue Dental offers two individual dental plans that make getting your own dental coverage easy. Personal blue Dental and Personal Blue Dental Plus cover everything from routine cleanings to oral exams to fillings and dentures. Even better, both plans are backed by the value, experience and commitment of the Michigan Blues.
REALTORS® Dental Insurance
REALTORS® Dental Insurance plans are the only dental plans designed exclusively for National Association of REALTORS members and their families. Plans provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. There are four plans to choose from and most plans include bonus benefits like orthodontia, cosmetic, dental rewards and more.
REALTORS® Federal Credit Union is the first ever virtual credit union. Developed by the National Association of REALTORS® (NAR), it benefits America’s largest trade association which represents over 1 million members involved in all aspects of the residential and commercial real estate industries. REALTORS® FCU understands the work habits and lifestyles of busy real estate professionals, most of whom are independent contractors compensated by commissions. As a REALTOR Benefits® Program Partner with NAR, REALTORS® FCU offers products & services designed with the unique needs of REALTORS® in mind.
For more information:
866.295.6038 24-Hour Member Care
Now save up to 28% on UPS shipping!
MAR members can now save up to 30% off UPS Express air and international shipments. That’s a significant savings over FedEx published rates!** All this with the peace of mind that comes from using the carrier that delivers outstanding reliability, greater speed, more service, and innovative technology. UPS guarantees delivery of more packages around the world than anyone, and delivers more packages overnight on time in the US than any other carrier, including FedEx. Simple shipping! Special savings! It's that easy!
Members currently enrolled in the UPS Savings Program must re-enroll to take advantage of this new exclusive offer.
Use promo code
NCR152 to enroll. For complete details or to sign up,
click here
Here's a sample of the discounts you can receive by enrolling in the UPS Savings Program:
|
UPS List Rate |
UPS Discount |
Your UPS Rate |
FedEx List Rate* |
|
UPS Next Day Air® Letter |
$21.25 |
28.0% |
$15.30 |
$24.30 |
|
UPS Worldwide Express® - 9 lbs. package |
$134.60 |
28.0% |
$96.91 |
$137.50 |
|
UPS 2nd Day Air® - 5 lbs. package |
$17.20 |
21.0% |
$13.59 |
$21.75 |
*See Rates and Services Chart for detail of Savings and Discounts, which depend on total weekly gross shipping charges incurred. **Savings over FedEx are based on Retail Counter Rates in the FedEx Service Guide published January 5, 2009 (http://www.fedex.com/ratetools/RateToolsMain.do).