The American Association of Private Employees (AAPE) and the American Association of Government Employees (AAGE) are associations that offer a variety of benefits to their members. Some benefits are automatically provided to all members and others are offered as optional purchases.

Members save by:

1. •Having access to consumer products and services at discount pricing.
   

2. •Having coverage that includes indemnification for time and expenses involved in recovery from identity theft.
   

3. •Having access to exclusive insurance products offered at group rates.
   

4. •Reducing out-of-pocket costs for a variety of health care services through the association sponsored health discount program.
   

These savings allow AAPE/AAGE members to live better on their existing income.

AAPE or AAGE membership includes:

1. •Identity Theft Coverage
   

2. •Right To Purchase Any Sponsored Product, Including Optional Consumer Benefits*
   

* Optional Consumer Benefits are automatically included when you purchase our 24-Hour Accident Medical Plan.

Your goals in mind

Research conducted by AAPE/AAGE has consistently shown people across the country have similar concerns that impact their health and welfare. These concerns include:

1. •Wealth Accumulation
   

2. •Access To Affordable Health Care
   

3. •Protecting Their Assets
   

4. •Planning For The Unexpected
   

5. •Identity Protection
   

Government research shows a staggering number of people in America that have limited or no savings, have limited or no health care and that have been the victims of identity theft. People in any one or combination of these situations have a lower quality of life than is possible and generally live with increased stress. Our goal is to help members of AAPE/AAGE improve the quality of their lives in a cost effective manner.

In order to achieve this goal, we have to understand and embrace the fact that people want options so that they can address the needs most crucial to them. Through the use of group products and pricing, the American Associations are able to offer options – options that address the different needs of individuals while at the same time offering the value associated with group pricing.

Interstate Specialty Marketing, Inc (ISM) is the exclusive marketing organization, distributor, and administrator for all products sponsored by AAPE/AAGE. ISM products are group products that are available to individuals through membership in AAPE or AAGE. Individuals can acquire any ISM product once they are a member of either association as long as the product is approved for sale in the member’s state of residence.