Lack of access to affordable health insurance prevents many direct sellers from “going full-time,” but recent enhancements to DSA’s exclusively endorsed Health and Direct Seller Liability program aim to increase coverage, lower premiums, and remove health care as a roadblock for those who want to dedicate more time to their businesses.

“The economy has made affordable, reliable health care options a major concern for many,” says Rich Fuchs, President & CEO of PRO Insurance Managers, the firm that administers DSA’s insurance program. “It’s no longer just about people who wish they could give up their 9-5 job and focus exclusively on direct selling. Now we’re seeing people who have turned to direct selling because they have lost their traditional job or their spouse has lost a job. They need affordable options immediately.”

Under the plans offered by PRO an individual can find coverage for $50-$60 per month – as compared to more than $100 previously*. Additionally, plans typically come with a 12-month rate lock but are now being offered in most states with 24- and 36-month rate locks. This provides rate-increase protection for extended periods regardless of health or other factors. Plans are also shielded from cancellation due to claims.

“Insurance companies are adapting plans to be more beneficial and affordable as they are faced with the possibility of major reforms to the healthcare system by the federal government,” Fuchs adds.

Additional enhancements to the plans offered to sellers with participating DSA member companies include:

• “Claim Free Deductible Credits,” providing a percentage reduction in the deductible when a participant has no claims during the year.
• The availability of online rate quotes in New York, New Jersey, Maine and Massachusetts. The addition of these states brings to 48 the number of states offering expanded accessibility of health insurance through online quotes. (Rhode Island and Vermont continue with severe restrictions on coverage availability.)
• Expansion of coverage under the Direct Seller Liability insurance offering to include inventory and personal property such as laptops and other equipment. The plan will continue to offer $1 million in nationwide protection for a direct seller whether in their home, a neighbor’s home, or at another location where they are conducting business – activities generally not covered by a standard homeowner’s insurance policy.

“Insurance should alleviate stress, not cause it,” says Fuchs. “DSA member companies that participate in the health and liability insurance program provide a critical resource for their sellers who need it – and may also find it to be a valuable recruiting tool as millions of Americans look for solid options.” To find out more about DSA’s Health and Direct Seller Liability program visit PRO’s Web site at http://www.pro4.us/dsa.asp or contact Rich Fuchs at 877-CALL-PRO.

*Figures cited in this release are examples only. Rates for any individual or family are based on personal information and coverage needs.