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The PAISBOA Health Benefit Trust (HBT) is a consortium of independent schools, colleges, and universities within the state of Pennsylvania. The sole focus of the HBT is to provide high-quality health plans at affordable rates. Members enjoy savings, stability, and innovative programs through scale and collaboration. The PAISBOA HBT is a self-funded entity, organized as a Multiple Employer Welfare Association (MEWA). While the HBT was established by and exists for the benefit of its member institutions, it is governed by a dedicated Board of Trustees who are elected by the members to ensure that the needs of all of the enrolled participants are represented.
TD Bank Group is a prominent North American financial services institution, operating as Toronto-Dominion Bank in Canada and TD Bank, N.A. in the U.S. Headquartered in Toronto, Canada, it serves over 27 million customers through a wide range of retail, commercial, and investment banking services. Founded in 1855, TD has become one of Canadas "Big Five" banks and ranks among the top-10 global banks by market capitalization, with assets exceeding C$1.9 trillion. The bank offers various services, including personal and business banking, wealth management, and capital markets. Retail banking services encompass checking and savings accounts, mortgages, and credit cards, while commercial banking includes business loans and cash management. TD also provides investment advisory and insurance products through its wealth management division. With a strong digital presence, TD offers mobile banking and AI-driven financial tools. Its U.S. operations feature over 1,100 branches, emphasizing convenience and tailored solutions for retail customers, small businesses, and institutional clients.
A-MAX Auto Insurance is a Texas-based insurance provider founded in 2002, with its headquarters in Dallas. The company specializes in affordable insurance solutions and has rapidly expanded to operate over 200 offices across Texas. In 2022, A-MAX entered the California market by acquiring Sameday Insurance, adding 10 locations in Southern California. A-MAX offers a wide range of insurance products, including auto insurance for cars, motorcycles, boats, RVs, and commercial vehicles. They also provide property insurance for homeowners, renters, and mobile homes, along with specialized services such as SR-22 certificates, Mexico tourist insurance, surety bonds, and notary services. Additionally, A-MAX has commercial solutions, including general liability and commercial auto insurance. The company operates two subsidiaries in Texas: ALPA Auto Insurance and Preferred Coverage Insurance Agency, catering to both non-standard and commercial/personal insurance needs. A-MAX focuses on delivering flexible, customer-centric service to individual consumers and businesses.