Worry less. Live more.

The privilege of knowing that we're making a real difference in the lives of people when they need it most is the best source of motivation we could ever have.

- Gary Pearl, CEO of Pearl Companies

Get Started

At Pearl Insurance, we focus on protecting what's truly important.

People have a basic human need to live and work with confidence. The people of Pearl Insurance recognize this and are dedicated to helping our customers feel secure. When you partner with us, you and your members can worry less and live more.


Our founder, Jack Pearl, started Pearl Insurance in 1954 with one goal—to help individuals, families, groups, and businesses find peace of mind. Since its modest beginnings as a two-person company, Pearl Insurance has grown into one of the leading direct-marketing and third-party administrators in the United States.

Pearl Insurance has evolved tremendously over the years, but one thing has remained constant—our belief in maintaining personal relationships with our clients, our clients' members, and our carrier partners. Our commitment to people over profit has resulted in partnerships that last over multiple decades.

Pearl hasn't forgotten that they're in the people business. They haven't forgotten that their business is dealing with people's problems, and dealing honestly with people's problems.

– Danny Donohue, President, Civil Service Employee Association, Inc., AFSCME, AFL — CIO — Albany, NY (Former, Retired)


Pearl Insurance designs, administers, and markets insurance programs for associations and unions. Through investments in technology, people, products, and services, we help our clients maintain a competitive edge.

We offer a full spectrum of insurance products, including life and health, property and casualty, and business insurance solutions; and have access to every major underwriting insurance company in the member benefits marketplace. Our custom-built policy administration system, combined with marketing, technology, customer service, and sales solutions, ensure our clients are equipped with the tools needed to retain and attract members.

We didn't have one glitch in converting 6,500 policies. It was 100% successful.

— Richard Bailey, Vice President of Finance CFO (Retired), American College of Obstetricians and Gynecologists



Out-of-the-box Marketing

Today's consumers are flooded with thousands of marketing messages every day. Pearl's award-winning, in-house marketing team is known for its ability to stand out. We deviate from traditional approaches to create campaigns that inspire, connect, and engage. Not only do we customize our marketing campaigns for each association and union, but also, we develop materials that strategically target specific subsets of your membership.

Seemless support

Seamless Support

Our custom-built policy administration system integrates sales, customer service, underwriting, marketing, and data management information into one powerful tool. This gives our staff a full picture of your members, including products purchased, marketing materials received, billing details, personal information, support history, and more. As a result, we have a deep understanding of each customer, allowing us to provide insight-driven recommendations and personal and proactive customer service.


Worry-Free Transitions

Transitioning to a new third-party administrator can be a headache for both you and your members. But with Pearl Insurance, your transition will be stress-free. We have extensive experience with effectively transitioning large associations and unions—even with aggressive timelines.


Let's Talk

Fill out the form below to talk with a Pearl Insurance representative.

Thank you! Your inquiry has been received.