Frequently Asked Questions

I've heard the name before, but who is Pearl Carroll & Associates?

Pearl Carroll is CSEA's only endorsed provider of supplemental insurance programs.

What the heck are supplemental insurance programs?

They're insurance programs that provide you with benefits not covered by your major medical insurance or workers compensation. Supplemental insurance programs are voluntary and you pay for them individually, which is what makes them different from the benefits provided to you by CSEA. Some examples of supplemental insurance programs are: Life, Disability, Auto and Home insurance.

So, Pearl Carroll is an insurance company?

Not exactly. Pearl Carroll is an insurance broker. We work with different insurance companies - like New York Life, Met Life, Travelers, and Safeco - and with the CSEA Insurance Committee, to create programs that are exclusive to CSEA Members and are available at group rates.

What's special about CSEA's relationship with Pearl Carroll?

The average life expectancy for a person in the U.S. is 78.4 years. CSEA and Pearl Carroll have been trusted partners for 74 years.

So, what's special about our relationship? We've spent nearly a lifetime working together. In the business world that is no small feat, and it's something we should both be quite proud of.

During this lifetime we've undergone a few name changes (remember Jardine's?), but what has never changed - and what will never change - is our dedication and committment to providing the Members of CSEA and their families with the protection they need when they need it the most.

What does Pearl Carroll do for CSEA Members?

Pearl Carroll creates and markets insurance programs based on the specific needs of CSEA Members and their families. So, all of our insurance programs that are available to you - Term Life, Group Disability, etc. - were designed exclusively for you and your fellow Members.

Our CSEA Insurance Reps also provide worksite marketing, making it easy for you to get a free consultation or purchase insurance right at your job.

In short, we provide you with quality insurance plans at competitive rates in a convenient format.

What's unique about Pearl Carroll's programs?

The programs are underwritten by only top rated carriers, they offer comprehensive benefit structures tailored to CSEA Members, they come with highly competitive premiums, and have an ongoing endorsement of quality.

No Insurance jargon in the FAQs please...

Right. Sorry. These programs are unique for many reasons, but here are five big ones:

1. They're endorsed by CSEA and built exclusively for Members and their families
2. They're available at group rates - lots of CSEA Members = lower premiums for you
3. They're available with convenient Payroll Deduction - no monthly checks to write!
4. They pay benefits in addition to Workers' Comp or any other insurance policies you have
5. They're available Guaranteed and Simplified Issue - which means limited to no medical questions asked!

I like to laugh. Why doesn't Pearl Carroll have a funny cartoon animal talking about insurance?

Because we're the People of Pearl Carroll.  We spend our time creating quality insurance programs that are designed to help you, not cartoons and gimmicks. We like to laugh too, but when it comes to you and your family's financial security, we take things seriously.

Alright, I get the picture. Tell me more about these CSEA-exclusive programs.

You got it! Find out more by clicking on one of the following products:

Disability          Term Life          Whole Life          Universal Life          Critical Illness          Auto & Home