Skip to the content

Your Local Independent Insurance Agency

Effective Management Associated 2 specializes in health, life, and disability insurance.

Effective Management Associated 2 is an employee benefits consulting company offering a full spectrum of Group and Individual Insurance services. EMA has been in the insurance business for over 30 years. Our staff consists of Human Resource professionals from a diverse array of industries. A focus on customer service allows EMA to effectively manage relationships between assigned client companies and their respective employees giving everyone involved a clearer understanding of their benefits.

Your Comprehensive Plan Review

EMA can introduce innovative methods to provide customized benefit programs specific to your organization, while reducing costs. Your benefit plan should be an asset to your company, not a drain on your finances. Contact EMA for a comprehensive plan review and let our experienced staff show you how to better leverage the dollars your company spends on its benefits program.

Lowering Costs IS Possible

The health and well-being of your employees and their family needs to be supported by a high quality benefits plan. EMA knows that the relationship between your company and its employees is paramount and will recommend the solutions most transparent to your employees, for easier communication and implementation.

See All Reviews

Find Out How Much You Can Save Today

  • This field is for validation purposes and should be left unchanged.
Health Insurance
Health Insurance

Health Insurance

Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.
Life Insurance

Life Insurance

Life insurance can help you secure your family's financial future by providing the funds they need to cover uninsured medical bills.
Individual Disability Insurance
Disability Insurance

Disability Insurance

Disability Income Protection is a must for a business owner, and highly recommended for executives. You can provide group and individual policies.
Group Benefits

Group Benefits

Many businesses today face challenges in attracting and retaining top employees. As an owner, you know the importance of employee coverage.

Recent News & Updates

What Is The Long-Term Disability Waiting Period?

Long-term disability insurance is designed to help cover your living expenses should you become disabled. However, the insurance company does not start paying out benefits immediately if you become seriously ill or injured. You must meet a specific definition of disability for a certain period of time (typically 90 to 180 days) before your benefits start. This period of time is known as the waiting...

Is It Ever Too Late To Get Life Insurance?

Strictly speaking, it is never too late to buy life insurance. However, the longer you wait to purchase a policy, the higher your premiums and the more limited your options. If you wait too long, you may have to settle for a policy that is less than you want at higher rates. Why Buy Life Insurance Early? The younger you are when you buy life...

Low-Impact Exercises For Healthy Living

The benefits of exercise are well-known to most people. It can help you lose weight, reduce your risk of heart disease, help you manage blood sugar, improve your cognitive function, and elevate your mood and mental state. But high impact exercise can have a negative impact on your joints. Many adults today are choosing low impact exercise to maintain a healthy lifestyle. What Exactly Is...

What Happens To My Life Insurance If I Am In A Coma?

A coma is a state of extended unconsciousness due to inefficient brain function. This unresponsive state can be caused by a traumatic blow to the head, oxygen deprivation from choking or drowning, severe infection, exposure to toxins, or extremely high blood sugar. Under most circumstances, life insurance policies do not pay out as long as the policyholder remains alive. If you are in a coma...