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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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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

Keeping Health Coverage While Between Jobs

Health insurance is not just nice to have – it is essential to your family’s well-being. If you are between jobs, you have several options for keeping health coverage until you start a new position. COBRA “COBRA” stands for the Consolidated Omnibus Budget Reconciliation Act. This law gives workers who lose or leave their jobs the right to continue group health benefits for a limited...

Do I Need Life Insurance If I Live Alone?

Life insurance is designed to benefit the ones you leave behind when you pass away. So why would you need this type of policy if you live alone and have no dependents? Surprising as it may seem, there are a number of reasons why you might need life insurance, even if you are single and have no children. You May Want Children Someday The younger...

Staying Mentally Healthy During The Winter Months

It’s easy to get the blues during the winter, particularly when the holidays are over. The skies are gray, the weather is cold, and it is more challenging to go outdoors and socialize with others. Some people solve this problem by wintering in warmer climates. If you don’t have that luxury, the following tips can help you make it through the winter months in a...

Beginner’s Guide To Mortgage Protection Insurance

If you have a mortgage on your home and your family is depending on you to make the payments, you may want to purchase mortgage protection insurance. This is a type of life insurance specifically designed to pay off your mortgage in the event of your death, so your family can remain in the home. Some mortgage protection insurance policies also provide benefits in the...