Frequently Asked Questions

I've heard the name before, but who is Pearl Insurance?

Pearl Insurance is CSEA's only endorsed provider of supplemental insurance programs.


What are supplemental insurance programs?

Supplemental insurance programs provide you with benefits not covered by your major medical insurance or workers’ compensation. The programs are voluntary and you pay for them individually, which is what makes them different from the benefits provided to you by CSEA. Some examples of supplemental insurance programs include life, disability, auto, and home insurance.


Is Pearl Insurance an insurance company?

Not exactly. Pearl Insurance is an insurance broker. We work with insurance companies—like New York Life, Mass Mutual, MetLife, Travelers, and Safeco—and with the CSEA Insurance Committee to create programs that are exclusive to CSEA members and are available at group rates.


What’s special about CSEA’s relationship with Pearl Insurance?

The average life expectancy for a person in the U.S. is 79 years. CSEA and Pearl Insurance have been trusted partners for over 80 years.

So, what's special about our relationship? We've spent nearly a lifetime working together. In the business world that is no small feat, and it's something we should both be quite proud of.

During this lifetime we've undergone a few name changes (remember Jardine's?), but what has never changed—and what will never change—is our dedication and commitment to providing the members of CSEA and their families with the protection they need when they need it the most.


What does Pearl Insurance do for CSEA members?

Pearl Insurance creates and markets insurance programs based on the specific needs of CSEA members and their families. All of our insurance programs that are available to you—Term Life, Group Disability, etc.—were designed exclusively for you and your fellow members.

Our CSEA insurance representatives also provide worksite marketing, making it easy for you to get a free consultation or purchase insurance right at your job.

In short, we provide you with quality insurance plans at competitive rates in a convenient format.


What's unique about Pearl Insurance's programs?

The programs are underwritten by top rated carriers, offer comprehensive benefit structures tailored to CSEA members, come with highly competitive premiums, and have an ongoing endorsement of quality.

They're available at group rates—exclusively for CSEA members.

They're available with convenient Payroll Deduction—no monthly checks to write!