The Pearl Advantage

The Pearl Advantage

Since our beginnings, Pearl has been dedicated to helping affinity groups attract new members, build member loyalty, and increase member retention through high-quality member insurance programs tailored to the unique characteristics of each of our sponsoring associations.

Unlike a traditional third-party administrator, Pearl is positioned as a leading sales and marketing organization with administrative capabilities. This stance enables us to provide comprehensive program support and stewardship—from a nationwide sales team to an award-winning marketing department, state-of-the-art technology platforms to dedicated account management—for our affinity clients, helping them grow member participation and generate additional, non-dues revenue.

Third-Party Administrator (TPA) Defined

A third-party administrator (TPA) acts like a middleman between affinity groups and insurance companies, managing document processing (e.g., applications, policies, claims, billing), underwriting, and plan supervision. Due to the highly specialized aspects of program administration, an expert TPA can usually provide these services more affordably than an in-house team.