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Free for members. Flat fees for everyone else.
Anyone can rate their options on MemberVerdict for free. Associations pay for an independent review of their program, agents pay a flat fee per member introduction, administrators pay for software. We never sell insurance, never take a commission, and never take money from a carrier.
Associations
Rate Comparison Report
From $1,500 one time, by size
- Your program against every peer in the index: every age band, every product
- Where members overpay, where the plan is weak
- A written renewal brief: what to demand from the carrier
- Under 3,000 members $1,500 · to 15,000 $5,000 · to 50,000 $12,500 · national $20,000
- Free one-page snapshot first, no obligation
Associations
Rate monitoring
$1,000–6,000 per year, by size
- Monthly checks of every program in the index
- An alert when a peer's rates move
- Yearly refresh of your review
- Numbers ready before the renewal meeting
Licensed agents
Member quote requests
$50–150 per exclusive introduction
- Members who used the free tool and asked for a personal quote
- Routed by state and profession, one agent per request
- $75 term life · $150 disability · $50 dental
- A flat fee, never a share of the sale. No license needed on our side, yours on yours
Program administrators
Member tool on your site
$500 per program per month · or $5,000 per program per year (2 months free)
- The rating tool and assistant on your enrollment site, your brand
- Your programs loaded and checked monthly
- $1,500 setup, or a 90-day pilot on all your programs for $2,500
- Members choose online instead of calling
Invoices are paid by bank transfer, check or card. Nothing is charged automatically. Members using MemberVerdict always pay nothing.
Questions
Do you sell insurance or take commissions?
No. We don't sell policies, take commissions or accept payment from insurance companies, brokers or administrators for rankings. Associations pay us for reviews, agents pay a flat fee for an introduction, administrators pay for software. That is the whole list.
My broker offers a free rate comparison report. Why pay?
A broker's free review is paid for by the commission on the business they hope to move. Ours is paid by you, so the only interest in the room is your members'. We compare your program with every peer in the index, show the math, and tell you what to demand from the carrier you already have.
How do you keep rates current?
Every program in the index carries the date we last verified it, shown on every score. We re-check all programs monthly; association rates usually change once a year at renewal.
Is it really free for members?
Yes. Anyone can use the rating tool and assistant on this site for free, and asking an agent for a quote is free too; the agent pays the introduction fee.
Where does the data come from?
From the MemberVerdict index: rate tables and plan terms for every program, organized the same way. Every number shows the month of its rates.
Can a company pay to improve its ranking or scorecard?
No. Scores and scorecards use public records and fixed rules. Companies can send corrections, which we show alongside the record, but no one can buy a better grade.
Where do the assistant's answers come from?
From the same rates, scores and ratings shown on this site. It runs in the browser, never makes up a rate, and your questions aren't sent anywhere.
Can I cancel monitoring?
Yes. It is billed yearly and simply does not renew.
Run an association? Get your free one-page snapshot.
How your program's rates compare with every peer in the index, on one page, no obligation. No broker, no commission, no carrier money.