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Insurance products are offered through the following insurers: AFLAC (Columbus, GA); Aetna (Hartford, CT); Anthem Blue Cross and Blue Shield (New York, NY); Cigna (Bloomfield, CT); EmblemHealth (New York, NY); Empire BlueCross BlueShield (New York, NY); Ethos; Harvard Pilgrim (Wellesley, MA); HealthFirst (New York, NY); MVP Health Care (Schenectady, NY); Meritain Health (Buffalo, NY); Mutual of Omaha (Omaha, NE); Principal Financial Group (Des Moines, IA); Protective Life Corporation (Birmingham, AL); ShelterPoint (Great Neck, NY); Sun Life Financial (Wellesley Hills, MA); The Guardian Life Insurance Co. (New York, NY); UnitedHealthcare (Hartford, CT); WellCare (Tampa, FL); and other unaffiliated insurers.

Insurance services are provided by an independent insurance agency. Effective Management Associated 2 and its producers are licensed in the states where services are offered. License numbers are available upon request. Availability, eligibility, and coverages may vary by state. Not all products are available in all states.