providers must register with the Washington State Insurance Commissioner.
Re offering memberships to companies, this is the sort of product that requires consent by the employee. It cannot be taken from wages pretax. Most employers will never permit this sort of product to be offered to their employees, because it suggests the possibility of fraud or coercion -- especially if the vendor
is offering the employer an incentive to offer the product.
The only common verison of this sort of product is AFLAC (yes, the goose). They manage to get a lot of workers to purchase their disability product and voluntarily assign wages to pay the premiums I know of no other business
that has been similarly successful.
But, except for health care, accident, life and disability insurance companies can get their benefits paid for "pretax," because the Internal Revenue Code doesn't permit the deduction.
So, while you can certainly try to sell your product into various businesses -- you can forget about making it an employee benefit, unless you find an employer that wants to make a tax-protected gift to its employees. And, if you do, let me know, because I want to work for that employer.
Hope this helps.
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