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Group voluntary insurance, rated

Know what to buy, and what to skip.

MemberVerdict prices life, disability and dental plans from the MemberVerdict index, scores every option from 0 to 100 for your situation, and explains the result in plain English. Free for members, always.

Rate my options For associations

8,441association programs identified

76,000+associations tracked

Rates from programs written by New York LifeThe HartfordMetLife

2.2×price gap for the same $500k of term life across four association programs, ages 35–39
+17%same carrier, two associations: The Hartford's rate for men 35–39 at MCA vs. AUSA
0–100one score from four factors: price, payout odds, fit and fine print

How it works

Four steps from a verified rate table to a better deal.

  1. One index. Every program.Verified rates, benefits and fine print from each program, organized the same way so nothing hides in the small print.
  2. We score every optionPrice value, payout likelihood, fit and fine print add up to a MemberVerdict Score from 0 to 100.
  3. Members decide, then enrollA clear Buy, Consider or Skip, and a hand-off to the program's licensed administrator.
  4. Associations negotiateThe Negotiation Playbook shows your rank against every peer and what to ask the carrier for at renewal.

Read the full methodology →

MemberVerdict ratings + assistant

Rate my options

Pick a starting profile or enter your own, tick the associations you belong to, and every option you can actually buy is priced from its program's rates in the MemberVerdict index, dues included, and scored instantly. Ask the MV Assistant about any result.

Associations you belong to (plans are members-only; programs anyone can join are scored with their dues added)

Free for members. Paid for by the people responsible for the programs.

Anyone can rate their options here for free. MemberVerdict is paid by associations, licensed agents and administrators, never by carriers and never with a commission.

Associations

Rate Comparison Report

An independent review of your insurance program against every peer program in the index: are members getting a fair rate, where the plan is weak, and what to demand from the carrier at renewal. From $1,500.

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Licensed agents

Member quote requests

Members who want a personal quote ask MemberVerdict. One licensed agent in their state gets the introduction, for a flat fee. Never a share of the sale.

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Program administrators

Member tool on your site

The rating tool and assistant on your enrollment site with your programs loaded, so members choose online instead of calling. From $500 a month.

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Run an association? Get your free one-page snapshot.

How your program's rates compare with every peer in the index, on one page, with no obligation. No broker, no commission, no carrier money.

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