In a world of spiraling insurance costs, few industries operate as close to the edge of profitability as the metalcasting industry. In an effort to control these costs to its members, AFS has Insurance Solutions, a program available to both Corporate and Individual Members.

AFS Corporate Members               

Whether it is general liability, workers’ compensation, employee benefits or more specialized coverages, we can help. AFS and Willis are working together to help its Corporate Members by developing specialized risk solutions to drive down your insurance costs utilizing:                                       

• Underwriting expereince                                      
• Risk control plans
• Claim control systems                                                                

This program is intended to use the cumulative strength of the U.S. metalcasting industry to offer competitive and cost-effective employee benefits and risk management solutions.

AFS Individual Members

AFS and Aflac are working together for Individual Members to offer insurance to help with daily expenses when you're sick or hurt. Key Member programs include:

• Accident Insurance – helps to provide a financial cushion if an accident occurs 
  
     --in 2003 about 35% of all hospital emergency department visits in the United States were injury related
     --a disabling injury occurs in the home about every 4 seconds
     --on the average, there are 13 unintentional-injury deaths and about 2,650 disabiling injuries every hour during the year.
     --unintentional injuries are the fifth leading cause of death overall and first among persons in the age groups 1 to 44.

Injury Facts, 2005-2006 Edition, National Safety Council

• Cancer / specified-disease insurance – helps with medical expenses related to cancer treatment
      
     --in the U.S., men have less then a 1-in-2 lifetime risk of developing cancer, woman's risk is a little more then 1-in-3   

Cancer Facts and Figures, 2007 American Cancer Society

In addition, the plan offers cash benefits direct in case of illness or injury, which can be used regardless of any other insurance that is being carried. These cash benefits can be used for escalating deductibles, copayments or out of network charges, travel-related expenses, everyday living expenses and lost income. When you have an Aflac policy—it's yours. You own it. Even if you change jobs or retire, you can take your Aflac policy with you.

Availability of benefits may vary by state. For more information on what benefits apply to your area, click here.

Download the Alternative Work Comp Program .pdf.

For more information on AFS membership or how to take advantage of the Insurance Solutions program for either Corporate or Individual Members, contact Leo Baran, AFS director of membership services, at 800/537-4237 x201 or This e-mail address is being protected from spam bots, you need JavaScript enabled to view it .