The EDGE Program offers you money saving discounts on your personal insurance policies with an individual risk management review. The EDGE Program has been sponsored by your employer and allows you convenient access to cost savings benefits and free no-obligation quotes for: • Home or Condo • Automobile • Umbrella • Marine • Life and Disability • Long Term Care You have numerous discounts available to help you save between 5% and 25% on your home and auto insurance policies. Through ALCOS' no obligation insurance review, all obtainable money saving discounts will be included to give you the best rate and coverage available. Not only could the Edge Program's group rates provide substantial savings on your personal insurance coverage, you may also qualify for other money saving discounts, including: Anti-Theft Device Multi-Policy, Multi-Car Policies, New Home Discounts, Security Discounts and More! Group home and auto insurance is administered locally and exclusively by ALCOS, Michigan's leading business insurance agency Who may enroll or participate in the program? You may enroll if you are a benefit eligible employee, your spouse and unmarried dependents living in your household are also eligible to apply for coverage. When can I enroll? Unlike most other benefit programs, you may enroll at any time during the year. How can I make payments? You may make payments by Electronic Fund Transfer (EFT) or Traditional Home Billing. EFT is provided only to those participants whose employer or selected carrier has the necessary resources in place to provide this service. How are my insurance claims handled? All claims are handled by experienced claims representatives. Representatives are available 24 hours a day, 7 days a week. Your policy will include instructions on how to report a claim. We also have unique partnerships with national vendors such as rental car and windshield replacement companies to provide assistance when you need it. ALCOS is independently owned and operated. Securities offered through M Holdings Securities Inc., a Registered Broker Dealer, Member NASD/SIPC.  Investment advisory services offered through ALCOS, a Registered Investment Advisor. Privacy statement and State License and Appointment Disclosure Main Headquarters: 35735 Mound Road PO Box 8029 Sterling Heights, Michigan 48310 TL: 586.977.6300 FX: 586.977.6780