This program was licensed on February 1, 1991 and has served Association members well since inception. With assets in excess of $10 million, the program has over 250 participants. Providing a stable market with competitive rates is the objective of this program. Excellent results enabled Trustees to begin paying dividends to qualifying members in 1996 and each year since. Total dividends returned thus far exceed $4 million, with more to come in the year 2000. To qualify for this program you must be a member or associate member of the Georgia Oilmen's Association and meet program-underwriting guidelines. This program offers the following benefits:

	Stable market for coverage
	Competitive rates
	Interest free installment plan
	Aggressive claims management
	In house medical case management
	Safety / Loss prevention services
	Drug-Free work place credits
	Possible dividends (over $5,000,000 returned )
	Premium discounts
	Deductible programs