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March 15, 2020

Plans issued prior to December 31, 2019 under our "LIFE PROTECTOR" plan have been converted to our "INCOME PROTECTOR" plan. The above-mentioned plan is no longer valid and have automatically been converted. The income protector's line of credit is guaranteed to our members at a 1% interest rate. Letters were sent out to members dated March 12, 2020 to explain the details of this change. Members have up until November 12, 2020 to opt of the change and receive a full refund of any payments made up to date. If no response to these letters are received within that timeframe, their plan will automatically be converted. This small adjustment will allow us to be a stronger community for our members.

 Feel free to email Paul Graham with any concerns at 


January 11, 2020

Our company will no longer offer any of our plans in the State of Maryland effective immediately. Unfortunately, we cannot come to a reasonable understanding with their financial departments and governing bodies. Their intent is to categorize our company as an insurance company, opposed to a member community for the sole purpose of collecting unnecessary fees, which we will not conform to. Our company is a member community that contracts with third-party providers to service our members for their benefit, at affordable cost. Members of First Advance Benefits of America that reside in the State of Maryland can request full refunds in writing by sending your request to: 


For over 20 years, I've kept my promise to my clients. That's simply a fact.



My father in-law was denied life insurance by  four companies because of his health history. My neighbor had the income protector with first advance benefits of America as a back up plan to the policy that she had on her mother with another company. 

She stated that the income protector ended up being how she buried her mother, because they gave her the line of credit within 24 hours of contacting the company. We took her recommendation to sign up for the same plan, and when my father in-law passed away in 2020 from Covid-19; we utilized our income protector as well.

I wish that I was able to tell more people about this company. They are doing things for people that may feel  helpless.

- Todd V

     New York, NY

My dad always told me that he wanted to be cremated when he died, which I never agreed with. I was going through his paperwork after he passed away on May 15, 2021. He purchased the cremation protector through first advance benefits of America in 2018. One thing about my father is that he was very intentional.

I had no choice but to honor his wishes of being cremated. We contacted the company. They sent a funeral home to pick up my dad from the hospital. He was cremated in New Jersey. We received his remains back from them a few days later. I’m grateful that my dad took the initiative to plan with this company.

- Lina B.

Toms River, NJ

We experienced an absolute brutal storm in New York City in 2021.  I arrived home to a pool of water in my basement. The rain from hurricane Ida caused my basement to flood horribly. I called my insurance company and I called first advance benefits of America five minutes apart. My insurance company emailed me a claims form, and first advance benefits of America sent over a crew from pounce property restoration to extract the water within 6 hours.

This was the second time that I used my flood protector plan with them, and was more than satisfied both times. I recommend that anyone that owns a home purchase this plan as a backup to their home insurance. It works, and it’s affordable:

- Susan R.

Staten Island, NY

Why Us?

"We will cover you when your insurance company fails to do so."

When a family or business spends their hard earned dollars on an insurance policy, the last thing they want to hear is that the company is not going to honor their claim for whatever reason they give. When life happens; the only words our members want to hear is "we are on the way." The time to worry about filling out claims forms or answering a questionaire is not when catastrophy strikes.

First Advance Benefits of America way of doing business is to go resolve the issue first and deal with the forms later. We don't depend on a panel of individuals with bright ideas that are not in the field looking into our members eyes to witness the hurt from their loss. Our business model is solely built on "being there". The fact that we are a lot like our members, we go above and beyond.



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