Group Insurance

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When shopping for health insurance, shop smart.

Don’t be deceived by insurance agencies allowing them to sell you plans from their preferred carriers so that they can clinch the sale and leave you with obstacles to solve.


When you reach out to AJM Associates, Inc., our dedicated professionals spend all the time necessary to determine what your needs and priorities are. We are independent and offer plans from a large spectrum of reputable carriers. We explain your options in great detail and clarity– down to the fine print - so that you can choose a plan that will satisfy you for the long term.

AJM Associates, Inc. has experience providing group health insurance to businesses ranging in size from 2 to 1,000 individuals – all with the same creativity and personal attention that will take the headache off your human resources. We have particular expertise helping businesses navigate the complex Affordable Care Act regulations, which affect groups of over 50 or 100 employees, depending on the state.

Take advantage of our very wide range of conventional and unique group plans with highly competitive rates. Options include:

  • Conventional group insurance

  • Self-funded insurance plans for both small and large groups, offering premiums well below standard market rates

  • Insurance plans that refund to enrollees part of their unused premiums each year

  • HSA plans, which help you save on premiums and enables your money to grow


In addition, AJM Associates' clients benefit from our unparalleled customer service long after they’ve signed on the dotted line. We continue servicing you with claims, COBRA administration, billing, renewal, compliance, or anything else.

A SMART Dental Program

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What if you could have a group dental plan with SMART premiums from collected data? The better your employee’s brush, the lower the premiums will go.


A - Brushing Score – 16.1% Lower Premiums

B - Brushing Score – 10.3% Lower Premiums

C - Brushing Score – 1% Lower Premiums


What if you were also provided a FREE Blue Tooth Sonic Powered, Smart, Electric Toothbrush for each employee and family member, plus free premium toothpaste and replacement heads delivered to their homes every quarter?


What if the network for dentists is the same you have with your existing carrier?


Beam® is a dental benefits company that offers employers, individuals, and families a fundamentally unique approach to dental care by pricing according to how often members brush their teeth. Members of Beam SmartPremiums™ plans are provided a connected toothbrush alongside an accompanying app that provides coaching for dental hygiene and tracks user engagement. Automatic shipments of replacement toothpaste and floss are sent to members quarterly.

Beam offers an array of dental benefits plan designs to meet the needs of employers of all sizes. Groups can even add Vision Service Plan (VSP) coverage that is supported by Beam’s simple and easy to use plan management tools.

For more information contact AJM Associates at (248) 778-6070 or