Robert Petralia

EMA Victory Program

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States Not Available: AK, CO, CT, DC, HI, ID, KS, ME, MA, MN, MT, NH, NJ, NM, NY, ND, OR, PR, RI, SD, VT, VI, WA, WY, AB, BC, MB, NB, NL, NT, NS, NU, ON, PE, QC, SK, YT

  Association Membership includes exclusive access to Emergency Management (EM) Educational Material, Updates and Information. Reduced rates at select EM events. Discounts on Survival Products from,, and Receive discounts on the highest quality outdoor gear, emergency preparedness kits and go-bags. Savings on Dell Computers and Electronics. Savings on Hotels, Entertainment, Car Rentals and more!

Included with this Association Package:
Guaranteed Issue* Defined Health Insurance Benefits

  • NO Requirement to have other Insurance!
  • 3 Benefit Levels
  • No Deductible and No Lifetime Maximums
  • Pays directly to you after easy claim filing
  • Pays in addition to other insurance
  • Use any Doctor - PPO Network Included
  • And much more!!

* See INFORMATION page for Guaranteed Issue Guidelines.


Association Membership Includes:

Question: Who is eligible for "Guaranteed Issue?"

Answer: Any Primary Member between the ages of 18 - 64, who is gainfully employed outside the home and working an average of 27+ hours per week at the time of application. Anyone who does not have a pre-existing history of Cystic Fibrosis. Once issued, there is no requirement to maintain a fulltime working statue in order to renew the policy through age 65. Spouses age 18-64 may be covered, regardless of their working status, as well as children to age 19, or 23 if full time students (9+ credit hours)


Question: How are Pre-Existing Conditions treated?


  • Conditions for which the insured sought or received treatment in the 12 month period prior to the plans effective date are considered to be Pre-Existing Conditions, whether or not they are disclosed on the application. 
  • Pre-Existing conditions are not covered for 12 months, beginning with the policy effective date. Treatment includes prescription medication prescribed as treatment for the condition.
  • Applicants (prospective insureds) who have a pre-existing diagnosis of End Stage Renal Disease, or Chronic Obstructive Pulmonary Disorder will have the pre-existing condition or conditions for which they have been treated permanently excluded from coverage.

Question: Are there any Pre-Existing Medical Conditions that would make an otherwise qualified applicant ineligible for the EMA Victory Program?

Answer: YES!, there is one illness which is an automatic decline and that is Cystic Fibrosis. Certain specific Pre-existing medical conditions will receive a permanent exclusion for coverage under the policy. At the time of printing ( 10/18) they are COPD and End Stage Renal Disease. 






Robert Petralia

Sales Representatives - Management