Earlier this morning, the US Department of the Treasury, the Department of Labor, and the Department of Health and Human Services published their anticipated tri-agency report focused on proposed rule changes affecting short-term medical and indemnity-based supplemental products.  We applaud the efforts of these agencies in keeping our industry a vital part of the insurance landscape. We fully support their intent to ensure an environment that can provide clarity about employee benefits and to adopt effective consumer protections to those that we serve.

We are in the process of reading the 237-page report to fully understand the changes and their implications to our business. While the early consensus is that the changes to any Accident, Healthcare Indemnity, or specified disease products made available by 5Star Life Insurance Company are extremely limited, it is clear the regulators intend to continue discussions on these ‘excepted benefit plans’ which indicates other changes may be forthcoming. We are committed to and will continue to diligently work on our end to remain a valuable and active participant in our industry. As such, please be assured that 5Star Life remains committed to maintaining a suite of products that is both of value to the consumer and in compliance with regulatory changes. To this end, we began product development efforts earlier this year with a view of launching them ahead the effective dates of any changes to applicable regulatory requirements.

At 5Star Life Insurance Company, our goal remains to protect the consumer and deliver best-in-class service to our brokers, which, of course, means adhering to all pertinent rules and regulations. Working in partnership with you, we are confident in our ability to address all changes by their prescribed timelines which begin in 2025. We will keep you fully informed of the improvements we make that both respond to these regulations and, of at least equal importance, better serve you and your clients.

We will have more to share with once we have considered the implications of the regulations. In the interim, should you have any questions or concerns, please do not hesitate to reach out to the 5Star Life team.


Michael R. Moser

Chief Distribution and Legal Officer

Sal Campanile

Vice President, Worksite Voluntary Benefits & Group Sales


Partnership targets an enhanced customer experience with integrated HR solutions

5Star Life Insurance Company (5Star Life) announced today a new technology-based integration, through the Paylogix Tailored Market Solution, which provides 5Star Life’s customers, agents, and brokers a seamless enrollment and payment experience.

“This collaboration effort with Paylogix underscores 5Star Life’s commitment to innovation and provides customers with best-in-class administrative and end-consumer resources that are an ideal complement to our mission to provide industry-leading service and engagement experiences,“ said Sal Campanile, 5Star Life’s Vice President, Worksite Voluntary Benefit and Group Sales.

The Paylogix Tailored Market Solution simplifies voluntary benefit administration offering quick case set up, a comprehensive online enrollment site, easy case submission process, and a user-friendly online portal to support enrollment, ongoing eligibility management, and billing. This bespoke end-to-end solution adds efficiency and an enhanced digital customer experience to traditional insurer administrative systems.
“The partnership with 5Star Life exemplifies how technology-focused solutions which are standardized, automated, and simplified for providers, brokers, and end-users are critical to the success of voluntary benefits administration,” said Richard Pfadenhauer, CISSP, President & Founder of Paylogix.

About 5Star Life
5Star Life Insurance Company (5Star Life) is the life insurance underwriter of the Armed Forces Benefit Association (AFBA) member benefits and a growing provider of group and worksite voluntary insurance products. Its business model enables 5Star Life to serve the needs of a diverse clientele as an insurance provider to individuals and organizations and as a trusted partner to brokers. Headquartered in Alexandria, VA, 5Star Life is currently licensed in 49 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and Guam. 5Star Life was awarded on the Forbes World’s Best Insurance Companies 2023 list.

About Paylogix
Paylogix®, a third-party administrator, creates premium technology solutions that make voluntary benefit administration simpler and more secure, while delivering a better user experience. Paylogix serves as a trusted partner to benefit providers, brokers, and employers. Our thoughtfully designed tools to facilitate enrollment through billing and payment are automated, innovative, and secure to provide users with the data they need, when they need it.


New relationship reinforces 5Star Life’s growing market presence

We are pleased to announce our newest partnership. 5Star Life Insurance Company (5Star Life) will soon
place its group Family Protection Plan (FPP) on the Bay Bridge Administration (BBA) marketing and
administrative platform. Our FPP product, offering level benefits and premium to age 121, represents a
unique addition to the growing portfolio of products and services provided by BBA, and with time, we look
forward to expanding our relationship as we o fer valuable benefits and a focused dedication to our
partners and insureds.

With nearly 40 years of experience in the administration of employee benefits, BBA’s market approach
aligns perfectly with our own commitment to differentiation through attentive and knowledgeable service.

Bay Bridge Administration
Bay Bridge is a leading Third Party Administrative (TPA) service provider with fully insured employee
benefit plans. Bay Bridge partners with top innovative carriers to bring proprietary products to the private
and public sectors that f it employers’ and employees’ needs.

Their client and carrier relations, innovative technological platform, administrative solutions, and customer
service attention enable them to deliver the highest quality service. As a TPA they provide full
administration services, including billing, claims, commissions, eligibility tracking, policy issuing and
customer service.

5Star Life
Rooted in a legacy of service, 5Star Life Insurance Company delivers benefits purpose-built for
employees critical to our communities. With a mission-driven focus, customizable solutions, and a
compassionate claims process, we provide our policyholders with the security they deserve and the
protection their loved ones need. Headquartered in Alexandria, VA, 5Star Life is currently licensed in 49
states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, and American Samoa.

5Star Life. The partner of choice on the journey of life.


New look, same mission
Welcome to the new 5Star Life website! Our overarching goal was to improve your experience, and as you peruse through the site, you will notice many changes: new content, intuitive navigation, and an enhanced support section.

Throughout this project, one thing has not changed: our mission. 5Star Life is proud of our unique dual purpose. First, we promote the Armed Forces Benefit Association’s (AFBA) mission by underwriting its members’ benefits protecting those who serve, defend, and protect our country – military, National Guard, first responders, government employees and contractors. In parallel to that noble purpose, we serve strategically aligned markets – delivering benefits for those who keep our communities running and thriving.

Founded in 1996 to provide coverage tailored to the unique needs of service life, I encourage you to review the timeline below showing our growth and evolution in the employer group and worksite benefits markets. Today, 5Star Life enjoys financial strength and stability ensuring we’ll be here with our customers need us.

General Larry Spencer, USAF (Ret.)
Chair and President, 5Star Life Insurance Company