Meet the SALARYGAP® Partners

Affinity Group Underwriters (AGU) /  Towers Administrators

AGU has been developing and managing innovative life and health insurance programs for employer and association groups since 1997. Before creating AGU, the principals and most of the staff worked for large U.S. and Canadian insurance carriers. Our thirty years of underwriting and marketing association and employer group plans has provided us with extensive experience and a unique perspective on the evolving benefit needs of employees and association members.

AGU manages the insurance operations of Towers Administrators, a third-party administrator licensed in all jurisdictions where required. For more information, please visit: or call 804-273-9797.


Benchmark is an admitted carrier in 49 states and the District of Columbia in multiple lines of business; we carry an A (Excellent) rating from A.M. Best. Our management team consists of experts in the design, implementation, and management of fronting arrangements and program business.


Global Contact Services 

Since 2001, Global Contact Services of Salisbury, NC has helped clients in both the private and public sector with contact center management. GCS provides outsource solutions, client site staffing and project based consulting. GCS placed First in the Top 100 Call Center Award for 2015 from BenchmarkPortal. BenchmarkPortal is a leader in rating and ranking contact center companies in customer service.

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Jolicoeur & Associates Risk Solutions, LLC

Jolicoeur & Associates Risk Solutions (JARS, LLC) has the exclusive distribution rights in the USA and Canada. JARS, LLC was founded by Bill and Sharon Jolicoeur and serves as a business advisory and product development firm dedicated to providing the financial services industry innovative, realistic and practical business solutions.  Stewardship is important to our entire team where we are good stewards of our client brands and share profits with non-profit organizations supporting developmentally and mentally disabled individuals.  The team at Jolicoeur & Associates has more than 100 years combined experience serving the financial services industry.

Jolicoeur and Associates is a proud distributor of the Wage Protector® Program.  Contact Bill Jolicoeur at  1.608.219.7886

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Risk Strategies Company, a rapidly growing , privately -held, national brokerage and risk management advisory firm offering sophisticated risk control and insurance placement advice to commercial companies, government and non-profit entities, as well as high net worth private , clients.  Risk Strategies has approximately 500 employees, more than 20 office locations throughout the United States and is ranked among the Top 25 insurance brokerages in the United States by Business Insurance magazine and is the 15th largest privately-held broker in the U.S> placing more than $1 billion in annual premiums.

Risk Strategies Company is a proud distributor of the Wage Protector Program.  Contact Liz Mariner Ford, Senior Vice President at:      1.203.561.0337


Towers Administrators, Inc., founded in 1966, is one of the original small cadre of specialist TPAs developed by entrepreneurs beginning in the 1960s to focus on using the then-new techniques of direct response mass marketing to deliver low-cost insurance benefit programs to members of professional and trade associations. These association TPAs grew rapidly because they could provide expertise and administrative resources at a lower cost for the insurance companies underwriting the business. Howard Rosenthal, Towers’ founder and president for fifty years, was one of the pioneers of the association business. Among his accomplishments was the creation and successful marketing of the very first association long term care product in the 1990s. Towers operated from offices in Manhattan until 2011 when the company moved to Closter, NJ.

Towers Administrators and Affinity Group Underwriters (AGU) have collaborated in various ways since AGU was established in 1997. From 2003 through 2013, Towers and AGU participated together in Towers Affinity Benefit Services, a strategic alliance. In 2014, that relationship was expanded when Towers closed its New Jersey and Washington locations and moved to an office co-located with AGU in Glen Allen, Virginia.


Trean Reinsurance Services, LLC 

Trean Re ranks among the largest of the independent, United States reinsurance intermediaries. Trean Re concentrates on the design and placement of reinsurance programs for small to medium sized and specialty insurers, including captives, risk retention groups, managing general agents, specialty / program divisions of insurance companies, pools, trusts and exchanges.

Trean Re was originally formed in 1996 by individuals with decades of reinsurance brokering experience at large firms. Today, Trean Re combines “big company” experience with a small company appreciation for your business.

Trean is a proud distributor of the Wage Protector Program.  Contact Chris Ervey, Senior Vice President at:   1.714.425.6030