Benefits & Compensation

BENEFITS & COMPENSATION

Whether you are looking for discounts and services, full major medical coverage or have specific needs for focused health coverage options, we've got you covered. We provide members with direct access to review available insurance plans and options, as well as many great valuable benefits and services.

Our ultimate plan is to bring your business to the next level; and, so we want to make sure that with our compensation plan we are providing you with the utmost value.

LEARN MORE TODAY

HEALTH INSURANCE

Forewarn App for Real Estate Agents

FOREWARN APP FOR REAL ESTATE AGENTS

Instant Due Diligence with the FOREWARN App for Real Estate is now available to all SPARK Premium members for FREE! A $240 savings.

Safer engagements. Smarter interaction. Instant risk management and due diligence on your prospective clients with this no-cost application for all SPARK Premium members. Be safer and know more about your prospect before any face to face interactions. Activate your SPARK account today and receive your personalized FOREWARN App invite within 24-48 hours.

Member Term Life Insurance for Spark Members

MEMBER TERM LIFE INSURANCE FOR SPARK MEMBERS

Member Term Life Insurance, issued by The Prudential Insurance Company of America (Prudential), can be an affordable way to help protect your family's financial security if something happens to you. It can provide funds that your loved ones can use to help them maintain the lifestyle that you have helped provide for them by helping to pay the mortgage; credit card bills; funeral expenses or whatever else they may need it for.

Up to $500,000 of term life insurance coverage is available to SPARK members through the Member Term Life plan.

Spark members pooled 401(k) retirement plan

SPARK MEMBERS POOLED 401(K) RETIREMENT PLAN

Start saving for your retirement today with the SPARK Members Pooled 401(k) Retirement Plan. SPARK members now have exclusive access to this high-value, low-cost plan that makes it easy and affordable to start saving for your future.

spark telemedicine proogram

SPARK TELEMEDICINE PROGRAM

Accessible + Affordable Healthcare

24/7/365 Access to doctors by phone or online
Unlimited consultations
Sign up and speak with a doctor today
Prescriptions sent to the nearest pharmacy
$0 Per-visit Fee
No long-term contract, cancel anytime

Health insurance and benefits marketplace

AND BENEFITS MARKETPLACE
Open Enrollment Has Ended

Shop for Health, Dental, Vision and Life insurance plans from industry-leading providers through the SPARK Private Benefits Exchange. The portal allows you to shop and compare insurance carriers in both the public and the private market at once and provides you with the advice of an experienced and licensed benefits counselor that has your individual needs in mind. Easily schedule an appointment to fit your schedule with a counselor and be sure to ask them about the new SPARK Members Health Plan that has been designed specifically for self-employed SPARK members and their dependents.

Spark members health plan

SPARK MEMBERS HEALTH PLAN

Our self-employed members now have an alternative to the ACA exchange and private insurance. With SPARK Members Health, you have an opportunity to establish a self-funded "captive" health plan for your "business of one" that works with your lifestyle, gives you and your dependents the best care possible and fits with your financial picture.
Select from among three major medical health plan designs and save on both monthly costs and healthcare spend.

Applicants will need to answer a few health questions to qualify, and a tax id (FEIN) to join. Qualifying is a quick process.

Significant savings compared to the ACA Exchange

Go to any doctor

HSA eligible, premiums tax deductible (always confirm with tax professional)

Enroll during any month of the year

MetLife Dental and Vision Insurance

DENTAL AND VISION INSURANCE

Get Association group rates and the freedom to visit any licensed dentist. Save more by visiting one of the thousands of participating dental locations nationwide. Options to add orthodontia for children as well as add vision coverage for exams, lenses, frames, contacts, and more.

Note: Vision may only be purchased in combination with a dental plan.

VSP individual Vision Plans

VISION INSURANCE

Vision Insurance from the leader in Vision Coverage-VSP. Members access special Association preferred rates with plans starting as low as $11.38/month. Enrollment is quick, easy, and all online.

IDefend identity theft protection

IDENTITY THEFT PROTECTION

It's your identity. Defend it! iDefend® provides complete identity theft protection for you and your family. Members are protected with 24/7 ID theft monitoring, dark web cyber scans, social media monitoring, lost wallet protection, full identity theft restoration services, and a $1 million service guarantee. FREE cybersecurity computer checkups included. Get the protection you deserve and save up to 33% as a SPARK member!

Prudential Accidental Death and Dismemberment (AD&D) Insurance

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE

Looking for affordable insurance protection that goes beyond your primary medical, long-term disability, and life insurance coverage? Consider the SPARK Optional AD&D Plan issued by The Prudential Insurance Company of America.

Member Options Auto and Home Insurance Program

MEMBER OPTIONS AUTO AND HOME INSURANCE PROGRAM

Everyone likes options. Member Options gives you the power to choose-all while saving you time and money. Get quotes from top-rated insurance carriers on Auto, Home, Renters, Pet insurance and more in a matter of minutes. Answer a few simple questions online or over the phone with our licensed insurance experts to compare multiple options that meet your specific needs.

GeoBlue International Travel Health Insurance

INTERNATIONAL TRAVEL HEALTH INSURANCE

When you leave home, health and security risks rise dramatically. For instance, 50% of international travelers typically need medical care if they are away from home for more than 30 consecutive days. Protect yourself and your family while traveling abroad with access to Blue Cross Blue Shield Travel health insurance coverage around the globe.

DISCOUNT & SERVICES

SAVINGS & DISCOUNTS PROGRAM

An elite collection of local and national discounts from thousands of hotels, restaurants, movie theaters, retailers, florists, car dealers, theme parks, national attractions, concerts, events and more.

DISCOUNTED RESTAURANT GIFT CARDS

Everyone loves a great dining experience, including your clients. Our gift cards are a high value, low-cost way for SPARK members to increase sales, close appointments, generate referrals, and thank top clients. 1000's of restaurants nationwide.
SPARK Members can buy a $25 gift card for only $3!

A minimum purchase of 50 cards is required.

HOTEL ENGINE

SPARK is proud to partner with Hotel Engine, a private hotel booking platform, connecting SPARK members to deeply discounted hotel rates with an average savings of 26% off public rates at 150,000+ hotels globally.

CAR RENTAL DISCOUNTS

SPARK has partnered with Avis and Budget to bring you great offers on car rentals with discounts up to 35%. Thousands of locations both locally and abroad so you don't have to travel far to get a great deal.