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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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Find Out How Much You Can Save Today

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Health Insurance (opens in new tab)
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 (opens in new tab)
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 (opens in new tab)

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

Can I Change My Health Insurance If I Move?

If you move across town, you may not be able to change your health insurance. If you move out of state, on the other hand, you may be required to change it. Your health insurance may not cross state lines with you. Some plans may terminate when you move to a different state or may not provide coverage in the new state. If you purchased...

Common Life Insurance Riders to Consider

Life insurance can play a vital role in financial planning for your family’s future. It is primarily designed to provide for your loved ones when you are gone. You can also add supplemental benefits with riders – amendments to your life insurance policy. Riders make it possible to opt in for benefits not typically included in basic life insurance policies and to modify your policy...

Health Insurance Agent vs. Navigator: What’s the Difference?

Shopping for health insurance can be a confusing process. You may need some assistance in choosing the right options, getting the subsidies you are entitled to receive, and enrolling in a health plan. You may be able to get the help you need through either a health insurance agent or a navigator. Although both agents and navigators can help you enroll in a health plan,...

New Year, New Life Insurance Review

It is a good policy to review your life insurance every year. If you have paid your premiums on time, the policy will still be there, most likely without any material changes since you purchased it. However, if major changes have occurred in your life, your life insurance policy may need adjustments or no longer suit your needs. Why Review Life Insurance Annually? Conducting a...