Welcome New Employees ! With your MEA membership you are eligible for a variety of programs through MEA Financial Services, Inc. and Paradigm Equities, Inc. Click on the highlighted links below for information on our products and services...or you may order a new employee packet...or request individual product brochures using our Send Me Information request form. Browse our site...as a new employee you will find valuable information regarding insurances and investment products. Have questions and would like to talk to someone? Click on our Find My Representative link for the representative who services your area or call our office toll-free at: 1-800-292-1950. Get the MEA Financial Services booklet that provides a synopsis of what we do for active and retired members. AUTO & HOME INSURANCE PLAN 7OOO PERSONAL FINANCE Auto & Home Insurance - Use this link for a short description of the property casualty products we offer, including personal umbrella protection, rental property, boats, RVs, motorcycles, snowmobiles and more. Access our request for quote forms for auto and home below and complete both online to take advantage of the multi-policy discount.   · Automobile   · Home, Condo, Renters Plan 7000 403(b)Mutual Fund Program - More investment options...greater flexibility. Our Plan 7000 403(b) Mutual Fund Program** provides you the flexibility to customize a mutual fund investment strategy to meet your individual retirement needs. Our plan offers over 100 mutual fund investment options across some of the best known families.     Take advantage of one of the MEA sponsored credit card programs.There are three cards to choose from...enjoy some of the best rates around with the MEA Visa® Platinum card, get up to 4% Cash Back on almost all of your everyday purchases with the MEA Everyday Rewards Visa Platinum.*** card, or take flight and travel the world with the MEA Sky Rewards® Visa Signature®**** card.   LIFE INSURANCE  OTHER INVESTMENT PRODUCTS  LONG-TERM CARE INSURANCE Group Term Life insurance Our Group Term Life Insurance is a "decreasing" term policy. $10,000* is guaranteed issued if the employee is: Actively at work and applies for coverage within 31 days of becoming an active employee of an educational institution or agency where MEA-sponsored plans are available. Click on the Group Term Life Insurance link above for terms regarding additional insurance for the member and the availability of insurance for spouse and dependents. Level-term or permanent life insurance Request a quote by completing our secure online form. Permanent life insurance and/or level term insurance for 10, 15, 20 or 30 year terms are available to those who qualify and meet the age requirements.     Tax Deferred Savings - Invest in a plan that allows you to defer paying taxes until a later date, ...usually when you begin to take distributions. 403(b) Tax Deferred Annuities 457(b) Retirement Plan IRAs EDUCATION - Learn about the different savings plans available to you for saving money for your children continuing education. 529 Education Plan Coverdell Education Savings Account Roth Individual Retirement Account (Roth IRA)                         MEA members, MEA-Retired members, their dependents, parents and grandparents are eligible for group rates. Long-term care services include medical and non-medical care. Long-term care may be required when a chronic condition, serious injury, stroke, or illness limits a persons ability to carry out basic daily care tasks and household chores.. Long-term care is not limited to the elderly. An estimated 12.8 million Americans of all ages need assistance from others to carry out everyday activities. Approximately 57% are persons aged 65 and older, 40% are adults aged 18 to 64 and 3% are children under age 18. For adults reaching age 65 it is expected that 40% of those will require some type of long term care and another 10% of our population will need long-term care sometime during their lifetime. More than 70% of the people receiving long term care choose to receive their care at home from family or friends.

DISCLOSURES:

* Coverage in excess of guaranteed issue amount is subject to evidence of insurability and approval by Union Security Insurance Company.

**Assets under the Plan are for the exclusive benefit of participants and beneficiaries.

See the individual fund prospectus for applicable expenses. Mutual Funds and Variable Annuities are subject to market risk which may cause value to fluctuate including loss of principal.  For more information, please call MEA Financial Services/Paradigm Equities, Inc. at (800) 292-1950 for the specific mutual fund prospectus or a variable annuity contract and underlying sub account fund prospectuses. Both the contract prospectus and the underlying fund prospectuses contain information relating to the product's investment objectives, risks, charges and expenses as well as other important information.  Please carefully read the prospectus and carefully consider the investment objectives, risks, charges, expenses and other important information before investing because these factors will directly affect future returns. Investor may incur penalties if funds are withdrawn early.

Guarantees and/or payments of the insurance feature of an annuity are based on the claims-paying ability of Issuer and not on the value of the securities within the account.

Taxes are due upon withdrawal.  For non-qualified or prior to age 59 ½ withdrawals, earnings are taxed as ordinary income to account owner, plus a 10% penalty.

MEA Financial Services/Paradigm Equities, Inc. does not give tax or legal advice.  The comments regarding the law and tax treatment simply reflect our understanding of current interpretations of such laws.  Since laws are always subject to interpretation and possible changes, we recommend that you seek the counsel of an attorney, accountant or other qualified tax advisor regarding these matters as it applies to your particular situation.  

Securities offered through Paradigm Equities, Inc., a wholly-owned subsidiary of MEA Financial Services, 1480 Kendale Blvd., East Lansing, MI 48823.

Always consult your employer's Plan Document for program provisions.

***Conditions and limitations apply. PNC Bank, N.A. reserves the right to change or limit the terms of the reward program. Terms and Conditions of the MEA Everyday Rewards program or Sky Rewards program will be provided with your card.

****If you don't qualify for a Visa Signature credit card account, you will be considered for a Visa Platinum credit card account with a set credit limit and credit card account terms as described in the important information About Rates and Fees section of the brochure that's available on request...and on this site.