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.

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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

How Too Much Exercise Can Be Bad For Your Health

Exercise is good for your health – we all know that. But it is possible to exercise too much. In fact, recent studies have found that overdoing it could cause damage to your body and your brain. How Much Is Too Much Exercise? Regular exercise can help you maintain a healthy weight, improve your cardiovascular health, lower your risk for diabetes, and even improve your...

Can My Life Insurance Company Ever Cancel My Policy?

If you have purchased whole life insurance, your policy should continue in effect until you die, at which time death benefits are paid to your beneficiaries. If you have purchased term life insurance, it should continue until the expiration date of the policy. Although you can cancel your life insurance policy at any time, the insurance company can only cancel for specific reasons. For example,...

The Importance Of A Yearly Physical With Your Doctor

One of the reasons why it is so important to have health insurance is that it makes it possible to get yearly physical exams and preventative medical care. Conscientiously getting your annual exam is one the best things you can do for your health. The following are some of the reasons why a yearly physical is so critical to your health overall. Reasons To Get...

Can I Get Better Rates If I Change My Habits Before I Apply For Life Insurance?

Life insurance rates can vary widely depending on your age, health, and lifestyle choices. If you are overweight, smoke or drink, or have a health condition that could be improved by adjusting your lifestyle, you may be able to get better life insurance premiums if you change your habits before you apply. How Are Life Insurance Rates Determined? Insurance companies consider several factors in determining...