Affinity Group Underwriters is an insurance product developer and managing underwriter specializing in life and health coverages for associations and affinity groups. Before forming the company in 1997, the principals were senior executives responsible for the US and Canadian affinity group business of North American Life Assurance Company, a Toronto-based mutual insurance carrier that is now part of Manulife Financial. The company operates throughout the United States and Canada. Through a strategic alliance with Towers Administrators, we also provide third-party administrator services nationwide. Our extensive experience in health insurance led us to understand PEOs as an important extension of the insurance services we provide for our customers. We partner with top-quality PEOs to create and manage customized PEO plans that are offered as sponsored member benefit programs by associations, affinity groups and franchise organizations. We have also recognized the special needs Canadian companies have for professional human resources management for their US subsidiaries and developed plans that provide cross border solutions. In addition, AGU acts as an employee benefits product developer on behalf of PEOs. We can help create and manage health, life, disability and business travel accident plans for PEOs to provide to their worksite employees. We particularly specialize in limited medical plans for PEOs to help address the health insurance needs of those segments of their populations who are not eligible for traditional group major medical. | 
