Partner With Us
Knowledge, Product, Support, & You
Graber & Associates is your local General Agency offering a wide array of health and life products from reputable carriers. We have a knowledgeable staff dedicated to ensuring your success. Partnering with Graber & Associates provides you with a local support system that is sure to help you retain your existing business, close more sales, and grow your agency.
Overall Services
- Local Support
- Top Commissions
- New Product Alerts
- Co-op Advertising Programs
- Compliance
- Referral Program
- Zywave
- Assistance at Point-of-Sale
- Application Scrubbing
- Assistance with Consumer Seminars
- Marketing Materials
- Medicare Enrollment Platform
- Policy Support
- Joint Sales
- Carrier Contracting
- New Agent Industry Orientation
- Federal & State Regulation Training
- Sales & Marketing Training
- Customized Training for Agents & Agencies
- Product & Platform Training
Markets We Serve

Medicare
Market training, compliance, technology, and customer service support.
Medicare Supplements
- Aetna
- Avera
- Medica
- Mutual of Omaha
- Wellmark BCBS
Medicare Advantage/Cost
- Aetna
- Humana
- Medica
- Sanford
- United Healthcare
- Wellmark BCBS
Medicare Part D
- Cigna
- Humana
- MedicareBlue Rx

Individual & Family
You receive marketplace training, regulatory updates, and carrier performance insights to stay informed and compliant.
Health Insurance
- Avera
- Medica
- Sanford
- Wellmark BCBS
Additional Benefits
- Delta Dental
- VSP

Group Benefits
Custom quotes, benefit package design, and in-person support during client presentations help you close the sale with confidence.
Health Insurance
- Avera
- Sanford
- Wellmark BCBS
Group Life and AD&D
- Kansas City Life
- Lincoln Financial
- Principal Financial Group
- The Standard
- Unum
Additional Benefits
- Avesis
- Delta Dental
- Delta Vision
- Optilegra
- VSP

Life, Annuities, Disability, & LTC
Access to instant online life quotes, personalized proposals, underwriting expertise, and case status updates allows you to work efficiently.
Life
- American National
- Assurity
- Cincinnati Insurance Companies
- Corebridge Financial
- Gerber Life Insurance
- Illinois Mutual Life Insurance Company
- Legal & General America (Banner)
- Lincoln Financial
- Minnesota Life
- Nationwide Mutual Insurance Company
- North American Company
- Pacific Life
- Principal Financial Group
- Protective Life
- Prudential
- Securian Financial
Annuities
- Aspida
- Cincinnati Insurance Companies
- Corebridge Financial
- EquiTrust Life Insurance Company
- Lincoln Financial
- Midland National Life
- Mutual of Omaha
- North American Company
Disability
- Ameritas
- Assurity
- Illinois Mutual Life Insurance Company
- Petersen International Underwriters
- Principal Financial Group
Long Term Care
- Lincoln Financial
- Mutual of Omaha
- Nationwide Mutual Insurance Company
- National Guardian Life
- OneAmerica Financial
- Securian Financial
G&A Referral Program
Never Lose a Sale – Partner with Graber & Associates
Graber & Associates is dedicated to helping you offer a full product line to your clients. We can assist you in identifying sales opportunities within your existing book of business for all product lines. From quoting, presenting, and completing the application, to underwriting, and delivering the policy, we can secure the sale.
You retain control of the client and receive up to 50% of first-year commission while we do 100% of the work.
Use our referral program when:
- Limited market/product knowledge
- Time or geographic constraints
- Complex cases
*Minimums apply, Part D not eligible, commission split ongoing for group health, must be licensed in state policy written at time of sale
Health Maintenance Organization (HMO)
HMO Plans are an excellent option for cost conscious Medicare beneficiaries willing to diligently follow plan guidelines. Generally, you must get your care and services from the providers in your plan’s network. If you utilize non-network providers you may have to pay the full cost of services yourself with these exceptions:
- Emergency Care
- Out-of-area Urgent Care
- Out-of-area Dialysis
Preferred Provider Organization (PPO)
PPO Plans do have network doctors, other health care providers, and hospitals. Each Plan gives you the choice to go to doctors, specialists, or hospitals that are not on that list. However, it will usually cost less if you receive care from providers on your network’s list.
Veterans
Medicare Advantage plans can be a great fit for Veterans. With Original Medicare Parts A & B, Veterans still have financial exposure when receiving services outside the VA system. Medicare Advantage Plans cap your out-of-pocket risk and add benefits Original Medicare or the VA may not offer such as dental, vision, and hearing services. Some plans also offer a Part B premium reduction.
Health Maintenance Organization (HMO)
HMO Plans are an excellent option for cost conscious Medicare beneficiaries willing to diligently follow plan guidelines. Generally, you must get your care and services from the providers in your plan’s network. If you utilize non-network providers you may have to pay the full cost of services yourself with these exceptions:
- Emergency Care
- Out-of-area Urgent Care
- Out-of-area Dialysis
Preferred Provider Organization (PPO)
PPO Plans do have network doctors, other health care providers, and hospitals. Each Plan gives you the choice to go to doctors, specialists, or hospitals that are not on that list. However, it will usually cost less if you receive care from providers on your network’s list.
Veterans
Medicare Advantage plans can be a great fit for Veterans. With Original Medicare Parts A & B, Veterans still have financial exposure when receiving services outside the VA system. Medicare Advantage Plans cap your out-of-pocket risk and add benefits Original Medicare or the VA may not offer such as dental, vision, and hearing services. Some plans also offer a Part B premium reduction.
Health Maintenance Organization (HMO)
HMO Plans are an excellent option for cost conscious Medicare beneficiaries willing to diligently follow plan guidelines. Generally, you must get your care and services from the providers in your plan’s network. If you utilize non-network providers you may have to pay the full cost of services yourself with these exceptions:
- Emergency Care
- Out-of-area Urgent Care
- Out-of-area Dialysis
Preferred Provider Organization (PPO)
PPO Plans do have network doctors, other health care providers, and hospitals. Each Plan gives you the choice to go to doctors, specialists, or hospitals that are not on that list. However, it will usually cost less if you receive care from providers on your network’s list.
Veterans
Medicare Advantage plans can be a great fit for Veterans. With Original Medicare Parts A & B, Veterans still have financial exposure when receiving services outside the VA system. Medicare Advantage Plans cap your out-of-pocket risk and add benefits Original Medicare or the VA may not offer such as dental, vision, and hearing services. Some plans also offer a Part B premium reduction.