Americans For Financial Security

Professional Benefits

Use these resources to help your business and career grow and gain a competitive edge.

Benefits List

ADP®RUNSM was specifically developed for the small and emerging business in order to provide cost-effective and efficient payroll and Human Resource services.

  • Reduce time, and save money – ADP handles your payroll tax deposits and returns (940, 941, SIT and SUI) and delivers paychecks (or offers direct deposit)
  • Flexible hours reporting via internet, phone or mobile phone (iPhone, Android, Blackberry)
  • 30% discounted rates for AFS Members
  • ADP assumes liability for timeliness and accuracy of payroll tax deposits and filings. Perfect for 1-2 employee S-corps
  • Inquire about HR411 Complete for employee handbooks, online background checks and access to a licensed HR consultant
  • Pay-by-Pay Worker’s Compensation Insurance...quotes available upon request
  • Simple IRA available for les than $400 a year. Tax credits apply.

Association Members save 50% off the retail price of A-Systems' comprehensive accounting/business management software for small business. Over 40 sessions of multimedia training valued at $200 is included at no charge. A-Systems Corporation has been creating affordable accounting software for small businesses since 1978. This software provides smaller companies with the same kind of business management tools used by big companies. A-Systems makes these tools easy to use, so a novice bookkeeper can look like a professional.

At, you can incorporate your dream business in less than 10 minutes. BizFilings' affordable step-by-step process makes forming a corporation or LLC easy, so you can spend more time running your business. Use a full range of business filing and compliance products, including:

  • Incorporation Services
  • Business License Packages
  • Doing Business As (DBA) Registration

With more than 500,000 satisfied entrepreneurs and counting, you can count on BizFilings to get the job done right.

Protection of your business assets is essential for long-term success. AFS is pleased to provide access to its members with The Hartford Insurance Company.

Comprehensive General Liability Coverage with:

  • Per occurrence/general aggregate limits up to $2,000,000/$4,000,000, umbrella limits up to $25 million, damage to premises, completed products coverage, advertising injury, additional insured coverage, legal defense costs outside the policy limits, contract liability and corporate subsidiaries coverage, and more.

Flexible Property Coverage and limits that can be tailored to your specific needs:

  • Buildings, business personal property, computers & data, equipment breakdown, accounts receivable, travel/transit, debris removal, business income, electronic vandalism, green coverage, civil authority, and much more.

May not be available in all states. Applications subject to underwriting. Coverage is subject to terms and conditions of Policy.

Professional Errors & Omissions Liability Coverage

E & O coverage can protect your business with exclusive liability coverage for any act, error or omission that arises from your professional service in the event of litigation. Your AFS Membership provides access to a variety of insurance companies that offer premier liability coverage. Coverage is subject to the terms and conditions of the policy.

Easy application process and prompt processing.

  • Annual limits ranging between $100,000 to $1 million any one loss and in the aggregate [including costs and expenses]
  • Average minimum deductible of $2,500
  • Available with or without existing errors and omission coverage or if current coverage is near expiration date
  • Affordable premiums based on your profession

Application subject to underwriting guidelines. Coverage is subject to terms and conditions of Policy. May not be available in all states.

Electronic Check Recovery Services

Receive 100% of the face amount of NSF checks collected without having to contact your customers or send collection letters. American Business Solutions has revolutionized the collection of NSF checks through its electronic check recovery system.

  • No machines to buy or lease
  • No monthly services or annual fees
  • Reduce the number of bad checks by up to 30%

You must contact American Business Solutions to activate this service before processing can begin. Banking industry rules do not allow processing of any checks received prior to sign up.

We’ve worked with FedEx to bring AFS members discounted shipping rates on eligible services. Sign up for the FedEx Advantage® discounts program to start saving.

Sign up for the FedEx Advantage® discounts program to start saving.
With the FedEx Advantage program, you’ll get:

  • 50% on FedEx Express® shipping
  • 20% on FedEx Ground® shipping
  • 20% on select FedEx Home Delivery®
  • • Tier 6/506 pricing on FedEx Ground Multiweight®shipping

It’s free to sign up using your FedEx account number, and there are no quotas or commitments. Typically, your FedEx discounts will be available 7 to 10 business days after you join the FedEx Advantage® program.

AFS Members can save on freight costs through MESCA’s specifically designed program for shipping, e-commerce and fulfillment solutions. Your business can select from an array of service options, including:

  • Less Than Truckload (LTL) discounts
  • Small package discounts
  • Full truckloads throughout the U.S., Canada, and Mexico
  • Logistics and Supply Chain Solutions
  • Transportation Management Systmes (TMS) technology

Let MESCA Freight Services manage your you can manage your business.

Hewlett-Packard (HP), the world's largest technology provider, is an AFS partner. Benefits include:

  • Exclusive pricing on select business products, including PCs, notebooks, printers, and more
  • Custom builds not available to the general public
  • Free U.S. Ground shipping
  • Private shopping website for AFS Members
  • Dedicated U.S.-based representatives to answer your questions

Members have access to America’s premier provider of identity theft resolution services with CyberScout and the Lifestages® Identity Management Services. Use the proactive tools and recovery assistance to quickly respond to an identity or fraud crisis. Benefit from essential identity theft protection and resolution services, educational tips and resources.

This service is included in the cost of your membership, no matter how often you need to talk to a fraud specialist. Services include:

  • Proactive services — if your wallet or purse is lost or stolen, or anytime you suspect your identity might be vulnerable, an experienced fraud specialist will place a free fraud alert, when appropriate, and offer guidance.
  • Resolution services — provides step-by-step guidance through the identity resolution process from start to finish. Your personal fraud specialist works with you to help prepare notification letters, work with government agencies and creditors, and stop fraudulent bills and charges. Victims of identity theft are provided with one year of free fraud-monitoring services.
  • Document replacement assistance — provides help in replacing lost, stolen or destroyed identity documents, including Social Security cards, birth certificates, passports and driver’s licenses.
  • Access to identity protection tips and tools — help keep you and your family safe.

AFS Members have access to a national network of attorneys in every field of law that provide members Access to free and discounted business legal services. Available at a discounted rate of $199/year (retail value $290). The small-business plan enables you to have a legal expert review documents, make calls and follow-up calls, write letters and other documents on your behalf, consult with you on arising legal matters, and represent you on out-of-court and in-court legal hearings.

Attorney-provided free legal services include:

  • Quarterly review by a plan attorney of up to five independent documents (10 pages each)
  • Two initial phone calls per month made on behalf of your business
  • Initial collection letters per quarter (10 maximum)
  • Consultation for each new legal matter (30-minutes each)

The plan also features:

  • Guaranteed low hourly rates
  • Contingency fee discounts

This program is not insurance coverage. May not be available in all areas.

A low-cost, easy and effective method for collecting on delinquent accounts is available with your AFS Membership. For one flat fee per account, NCSPlus will take action on your behalf. Simply complete a pre-ordered NCSPlus Claim Form (one form per delinquent account), and return to NCS for processing. No matter how old the account is and regardless of the balance due, NCSPlus has the solution.

Choose from three programs based on the delinquent account balances. Each program includes

  • Letter from a debt collection attorney
  • No commissions or additional costs — you keep 100% of the money recovered
  • Unpaid claims can be reported by request to Experian, TransUnion and Equifax credit bureaus at no additional charge to you
  • No expiration date on claims ordered

Minimum number of accounts required.

Pitney Bowes all-in-one mailstation 2TM digital mailing system with its built-in-scale lets you weigh and calculate postage at the touch of a button. You get exact postage every time - no guesswork. You can download postage 24/7 either online or thru an analog phone line! No more trips to the post office! Increased productivity and reduced costs makes the Pitney Bowes® mailstation 2 a valuable small business postage meter.

As an AFS Member, you receive special pricing and bonuses on telephone and Internet services.

  • Toll-free numbers - keep your existing number or new service
  • Interstate outbound long distance rates as low as 3.3 cents for residential and business
  • Cell phone programs with NO CONTRACT - keep your existing number
  • All services on one easy-to-read bill

AFS has teamed with Intuit®, the makers of QuickBooks® financial software. QuickBooks gives you the power to manage your business more effectively by providing you with fast, easy and integrated solutions to meet the needs of your business. Whether you’re looking for financial, customer or retail management software, QuickBooks has a solution for you

The Real Estate Advantage Program offered through Coldwell Banker Realty partners you with an experienced real estate agent from their preferred nationwide network. The program offers a rebate* of 20% of the commission (the side your agent represents) on the home that you are buying or selling when you close with your assigned agent.

In addition to the real estate assistance, Coldwell Banker Realty can connect you with preferred providers for Mortgage, Household Moving and Homeowners Insurance. Services are available nationwide.

The Real Estate Advantage Program is a free, no-obligation benefit program offered by Coldwell Banker Realty. The ability to pay a cash rebate may be modified or prohibited by law in some states. Participants must follow program guidelines to ensure eligibility.

*You must contact the Real Estate Advantage Program Services before contacting an agent. No rebate is available if you call an agent directly.

AFS Members have a one-stop shop for tax advantaged benefit plans. Select the one below that best suits your needs:

  • Micro-business Member
    • BASE® HRA - Qualifying members can deduct up to 100% of their health insurance premiums and non-insured medical expenses from federal, state, and self-employed taxes. The typical Section 105 BASE® Health Reimbursement Arrangement (HRA) customer saves more than $4,500 on average in taxes per year. Save $44 and enroll at the special AFS Member rate of only $280 for the first year — regularly $324.
    • SamplePay® - Professional payroll assistance for BASE® HRA clients only. Reduce payroll assistance costs by as much as 70%. AFS Members pay only $180 per year.
  • Employer With Multiple Employees
    • BASE® 125 Cafeteria Plan - This plan offers Premium Only Plan (POP), Flexible Spending Account (FSA), and Dependent Care Assistance Plan (DCAP). The setup fee for AFS Members is $250, a $100 savings.
    • BASE® Integrated HRA - BASE® Integrated HRA is a solution for employers with a group health insurance plan in place who are looking to reduce the overall cost of insurance coverage. This reimbursement program is designed to assist employees with medical expenses. The setup fee for AFS Members is only $250, a $100 discount.
    • BASE® QSE HRA - The BASE® QSE HRA allows employers with less than 50 full-time employees the opportunity to contribute to the cost of employee’s healthcare. The maximum contributions are $4,950 for individuals and $10,000 for families. Employees can use this money for insurance premiums, co-pays, deductibles, eye care, dental care or any other qualified healthcare expense. The amount provided is tax-free to the employees and 100% tax deductible to the employer.
    • BASE® ERISA Wrap - Virtually all employers who offer benefits, regardless of size or number of participants, should have a Wrap Plan in place. Even an employer who has a group health care plan of 1 needs an ERISA Wrap. ERISA (the federal Employee Retirement Income Security Act), governed by the Department of Labor, requires employers to maintain and distribute Summary Plan Descriptions (SPDs) to plan participants, and group health plans must be administered in accordance with a written Plan Document. Outside of preparing and creating customized Documents and Summary Plan Descriptions, BASE® will also provide added ERISA and ACA compliance documentation and distribution guidelines. Plus, this plan documentation includes all required salary reduction information when applicable in the form of a Premium Only Plan.

NOTE: BASE® HRA, BASE® 125 Cafeteria Plan, BASE® Integrated HRA, BASE® QSE HRA, BASE® ERISA Wrap and SamplePay® are offered by Benefit Administration for the Self-EmployedTM (BASE®) and are registered trademarks of BASE®.

This program provides affordable, yet comprehensive, technical services from remote and on-site support to data backup and protection against security threats. Members may purchase for $179.50 per year through Legal Club® (retail value $299.40) a savings of 40% off of retail. Services include:

  • One hour per month secure remote technical support
  • Onsite technical support available at an additional cost
  • Key-logging defense system
  • Firewall protection
  • Internet and system cleaner
  • File shredder

AFS Members receive up to a $15 discount on the #1 online tax preparation program. TurboTax® Online makes filing your taxes easy...and it’s quick and affordable, too.

  • Prepare your taxes for free and pay only when you're ready to print or file
  • No software to install
  • File electronically and get your refund faster
The benefits explained herein are offered at the sole discretion of AFS and may vary by availability, package option, vendor, and state of residence. Vendors reserve the right to withdraw or change offers without notice. Restrictions and limitations may apply. Please contact AFS for state availability. Benefits are updated periodically and Members should check the Web site ( or call AFS Member Services (1-800-492-1016) for the latest information.