FOREWARN App for Real Estate Agents

Instant Due Diligence on prospective clients with FOREWARN. A $300 value, FREE with a SPARK Premium membership.

Stay safe, informed and confident with the FREE FOREWARN App. Activate your SPARK account today and receive your personalized FOREWARN App invite within 24-48 hours.

Know who you’re meeting—before you meet them.

Available at NO COST to all SPARK premium members.

Register now to access this powerful tool.

Member Term Life Insurance for SPARK Members

Member Term Life Insurance, issued by The Prudential Insurance Company of America (Prudential), can be an affordable way to help protect your family’s financial security if something happens to you. It can provide funds that your loved ones can use to help them maintain the lifestyle that you have helped provide for them by helping to pay the mortgage; credit card bills; funeral expenses or whatever else they may need it for.

Up to $500,000 of term life insurance coverage is available to SPARK members through the Member Term Life plan.

SPARK Retirement & Financial Planning Services

Start saving for your retirement today with access to special programs and assistance with financial planning. SPARK members have preferred access to retirement and wealth planning services making it easy and affordable to start saving for your future.

SPARK Telehealth Program

Member Benefits has partnered with MDLIVE to offer a standalone telehealth plan. With MDLIVE you can visit with a doctor 24/7 by phone, video, or app. It’s your anytime, anywhere doctor’s office.

You’ll have around-the-clock access to board-certified physicians and pediatricians—who can send prescriptions directly to your pharmacy, if medically necessary. Best of all: your family members can also use the service.

Individual Insurance and Benefits Marketplace

Shop for Health, Dental, Vision and Life insurance plans from industry-leading providers through the SPARK Private Benefits Exchange. The portal allows you to shop and compare insurance carriers in both the public and the private market at once and provides you with the advice of an experienced and licensed benefits counselor that has your individual needs in mind. Easily schedule an appointment to fit your schedule with a counselor and be sure to ask them about the new SPARK Members Health Plan that has been designed specifically for self-employed SPARK members and their dependents.

• 11/1/2025: Open Enrollment begins
• 12/15/2025: Last day to enroll for coverage effective 1/1/2026
• 1/15/2026: Open Enrollment ends; last day to enroll for coverage effective 2/1/2026

SPARK Members Health Plan

Our self-employed members now have an alternative to the ACA exchange and private insurance. With SPARK Members Health, you have an opportunity to establish a self-funded “captive” health plan for your “business of one” that works with your lifestyle, gives you and your dependents the best care possible and fits with your financial picture.

Select from among three major medical health plan designs and save on both monthly costs and healthcare spend.

Applicants will need to answer a few health questions to qualify, and a tax id (FEIN) to join. Qualifying is a quick process.

• Significant savings compared to the ACA Exchange
• Go to any doctor
• HSA eligible, premiums tax deductible (always confirm with tax professional)
• Enroll during any month of the year

Dental and Vision Insurance

Get Association group rates and the freedom to visit any licensed dentist. Save more by visiting one of the thousands of participating dental locations nationwide. Options to add orthodontia for children as well as add vision coverage for exams, lenses, frames, contacts, and more.

Note: Vision may only be purchased in combination with a dental plan.

Vision Insurance

Vision Insurance from the leader in Vision Coverage—VSP. Members access special Association preferred rates with plans starting as low as $11.38/month. Enrollment is quick, easy, and all online.

Identity Theft Protection

It’s your identity. Defend it! iDefend^® provides complete identity theft protection for you and your family. Members are protected with 24/7 ID theft monitoring, dark web cyber scans, social media monitoring, lost wallet protection, full identity theft restoration services, and a $1 million service guarantee. FREE cybersecurity computer checkups included. Get the protection you deserve and save up to 33% as a SPARK member!

Accidental Death & Dismemberment (AD&D) Insurance

International Travel Health Insurance

When you leave home, health and security risks rise dramatically. For instance, 50% of international travelers typically need medical care if they are away from home for more than 30 consecutive days. Protect yourself and your family while traveling abroad with access to Blue Cross Blue Shield Global Solutions^SM Travel health insurance coverage around the globe.

Savings & Discounts Program

An elite collection of local and national discounts from thousands of hotels, restaurants, movie theaters, retailers, florists, car dealers, theme parks, national attractions, concerts, events and more.

Discounted Restaurant Gift Cards

Everyone loves a great dining experience, including your clients. Our gift cards are a high value, low-cost way for SPARK members to increase sales, close appointments, generate referrals, and thank top clients. 1000’s of restaurants nationwide.
SPARK Members can buy a $25 gift card for only $4!

A minimum purchase of 50 cards is required.

Custom Visa & Mastercard Reward & Incentive Cards

Transform client gifts and team rewards into something extraordinary with customizable Visa and Mastercard gift cards. These cards allow you to add a personal touch while enhancing your brand’s visibility. Explore how PerfectGift.com can elevate your gifting strategy and strengthen your relationships.

MasterClass Online Classes

Help your members gain new skills and insight in as little as 10 minutes — with online courses from MasterClass, they can succeed in their personal and professional lives.

Car Rental Discounts

SPARK has partnered with Avis and Budget to bring you great offers on car rentals with discounts up to 35%. Thousands of locations both locally and abroad so you don’t have to travel far to get a great deal.