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The Origin and Structure of Life and Health Affinity Insurance Programs in the U.S.

The Affinity business is a $100B+ market in the United States with a long history in the life and health arena. Despite that track record it is often misunderstood in the broader market. This paper provides background for any entity interested in getting into that space or already active in it. It also serves as a useful tool for agents, brokers, or TPA’s who encounter regulatory challenges and need help or expertise. It also gives appropriate background for any regulator who is struggling to understand the history and dynamics of this well served approach to meeting the needs of consumers.


Edwin J. Miltenberger


Carrier and Affinity Group Strategies, LLC