FREA offers a lot for a little. In addition to working for you in the Legislature, endorsed benefits and discounts are available to FREA members.
All FREA member benefits have been studied, recommended by the FREA Member Benefits Committee and adopted by the FREA Board of Directors. Whether or not to use a benefit is entirely up to you.
Our association works hard to protect your pension AND your insurance benefits. This is one of the main advantages of being a member and one of the main reasons we are here for you!
Thanks to our trusted partner, Association Member Benefits Advisors (AMBA), members are eligible for exclusive supplemental insurance. Get special group rates on vision, home healthcare, cancer, heart, stroke, accident, life insurance, and other policies.
If you’ve had trouble getting supplemental insurance at a reasonable rate, here’s your chance! Best of all, it’s easy – you can enroll online or by phone.
FREA members get exclusive access to benefits, discounts, programs, and services designed to improve the lives of retirees.
Call 877-810-6334, Mon – Fri, 8am – 6 pm CT for information or, already have coverage and need help with billing or have coverage questions?.
Contact AMBA here and include detailed information regarding your request. Include your name, phone number, and address on your request so that an AMBA representative can assist you.

Get quality coverage at affordable single or family rates with a high annual maximum—no network required, no waiting period during open enrollment. Coverage of routine checkups to procedures like root canals, dentures, implants, and more!

The average eye exam and glasses cost more than $450. Fortunately, help is in sight. With low rates, easy copays, and out-of-network reimbursements, a vision plan can help you save hundreds of dollars and protect your overall health.

A Long-Term Care insurance policy can ease the financial burden on your loved ones. Save your family thousands of dollars, helping to protect your life savings and reduce the stress on your spouse and children.

One ride to the hospital could cost you thousands of dollars out of pocket, and air transport could add up to $50,000 or more. Protect yourself with a Medical Transportation membership. Pay once and you’re covered!

Some life policies have health requirements. Thanks to your membership with FREA, you can apply for a policy with locked-in acceptance, no questions asked. This plan can give you the peace of mind of protecting your family from the high cost of final expenses.

The policy can pay you a monthly benefit after a waiting period when you’re unable to work due to a disability (injury or illness). Your policy can pay up to 70 percent of your income. Thus disability insurance can help protect your income and secure your financial future.

Medicare doesn’t provide all the health insurance coverage you need. That’s where a Medicare Supplement plan comes in. Also known as Medigap, these insurance plans not only help pay for additional eligible expenses not paid by Medicare, they provide the freedom for you to use your own physician, specialist, and medical facility.

Enjoy savings, right from your computer, at myAMBAdiscounts.com. Retirement is an adventure—why not save money along the way? As a member of the association, you can enjoy exclusive discounts on dining, entertainment, travel, hotels, rental cars, and more!

Most insurance plans don’t cover hearing healthcare. This no-cost program provides free hearing consultations and discounts on hearing aids through a nationwide network of hearing professionals.

Accident recovery typically gets more challenging with age, which could set you back financially as well as physically.

It’s no secret that hospital visits can be expensive. However, there are other hospital expenses that can prove costly, as well. These include extended hospital stays, emergency room visits, ambulance transportation and more. That’s why having a supplemental hospital indemnity insurance policy could be a smart financial decision – one that provides additional protection for you and your loved ones.

If you never want to get jolted by sudden changes in the stock market, then a Fixed Index Annuity may be for you. With this annuity, your income is locked in, with a guaranteed interest rate. Plus there are multiple payout options.

Proliability, administered by AMBA Administrators, Inc, offers professional liability insurance tailored to the professions it protects. From medical malpractice coverage for nurses to errors and omissions coverage for business professionals, our professional liability coverage brings with it significant benefits to offer peace of mind.

Enjoy savings, right from your computer, at myAMBAdiscounts.com. Retirement is an adventure—why not save money along the way? As a member of the association, you can enjoy exclusive discounts on dining, entertainment, travel, hotels, rental cars, and more!

Some life policies have health requirements. Thanks to your membership with FREA, you can apply for a policy with locked-in acceptance, no questions asked. This plan can give you the peace of mind of protecting your family from the high cost of final expenses.
The Florida Retired Educators Association maintains a current listing of all members. The listing includes the names, addresses, and telephone numbers of all current members in good standing in the organization. The mailing list is made available to companies whose products have been sponsored by FREA.
FREA’s contractual agreements with sponsored companies prohibit the sale, distribution or in any manner the disclosure of the membership list of FREA to any third person or entity or use of the membership list for any purpose not authorized in writing by FREA.
FREA maintains the membership list for the purpose of communicating with the members. Companies whose products are sponsored by FREA may contact members by mail or telephone to, determine members’ interests in sponsored products and/or to arrange appointments to present product information.
By providing your information above, you are consenting to receive calls, texts, and emails. You may unsubscribe from email communications by selecting the opt-out option on the bottom of our emails. You may opt-out of text messages by replying STOP. To opt out by phone, you can ask to receive no further calls at any time when contacted by a representative. Limitations and exclusions apply. Please refer to policy details upon further inquiry. Some benefits are not available in every state or to every association.
Contact our staff for assistance toll free at (888) 698.0972 or locally at (727) 577.6400 between the hours of 8 a.m. – 5 p.m. (EST) Monday – Friday.
You may also email us at info@frea.org