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Insurance for Associations, Unions, and Franchises

Online Enrollments in all 50 States
Individuals and Multiple Small Group

  • Individual, Direct Billed Comprehensive Health Plan
  • Individual, Direct Billed Lower Cost Alternative Health Plan
  • Customizable AD&D for Associations and Unions
  • Voluntary (Accident, Short Term Disability, Critical Illness, Cancer, Hospital)
  • Guaranteed Issue Life Insurance – Term and Permanent, Direct Billed or Invoice
  • Association Liability Plans
  • PEO Access to Benefits for Franchisers/ees
  • Payroll Services
  • TPAs

Non-Standard, Non W-2 Employee Group Benefits Are Hard to Find. We Have Access to Health Plans, Voluntary Plans, and Pricing and Reduced Underwriting Requirements. Our Relationship with Carriers and Insurers Allows Us to Customize AD&D Plans to the Need of Your Group. We Can Customize Voluntary Plans to Meet Your Member Budget. And If You are Looking for Service after the Roll-Out, Our In-House Staff Administrators Will Assist Association and Union Members with Voluntary Plan Claims.

Easy, Telephone and Online Enrollment Means That All of Your Members Can Enroll in All Programs. Great for Large Geography and Secured Area Occupations.

Franchisors Can Standardize the Back Office of Franchisees with Our PEO. Standardize Process and Benefits with Access to all Benefits – Payroll, Health Plans, Voluntary, Life, 401K, and HSAs. Make the Best Practice the Standard for Your Franchisees.

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About us

Reference Insurance is an employee and non-standard group specialty benefits General Agency based in Dallas (Rockwall) Texas.  Join us.

Contact us

Reference Insurance
3405 Waterview Trail
Rockwall, TX  75087


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