Real Benefitsfor Real Drivers.

It’s real. Forward Benefits is a benefits program made available to members of an association, with coverage underwritten by Aflac and administered by PIOPAC Fidelity Insurance, a licensed Third-Party Administrator. Enrollment is handled by licensed insurance professionals from The Trusted Consultants. Forward Benefits itself is not an insurance company — we connect you to licensed advisors so you can get covered.

A licensed advisor from The Trusted Consultants calls you — usually within one business day, at the time you picked. They’ll walk you through the options available in your state, answer your questions, and help you enroll if you want to. There’s no obligation and no pressure. If the plans aren’t right for you, they’ll tell you that. Prefer to talk now? Call (866) 915-5499.

The Forward Essential membership is $4.99/mo and Forward Shield is $49.95/mo — about $12.49 a week, auto-drafted to line up with how drivers get paid. Both are month-to-month with no long-term contract. Specific insurance premiums and benefit amounts vary by state, so your advisor gives you the exact numbers for your situation before you commit to anything.

No. Submitting the Benefits Check or calling us only means a licensed advisor reaches out to talk through your options. There’s zero purchase obligation. You can hang up or walk away at any point — no pressure, no tricks. The consultation is free; you only pay if you choose to enroll.

Forward Essential’s telemedicine, Rx card, and dental/vision savings are discount programs — not insurance. They give you access to pre-negotiated rates that you pay directly. Forward Shield adds supplemental insurance products (accident, AD&D, and term life) underwritten by Aflac that pay benefits for specific covered events. None of it is major medical or comprehensive health insurance, and it doesn’t replace an ACA plan. Your advisor explains exactly what each piece does.

No health exam and no health questions to get started — the accident and life protection in Forward Shield are guaranteed-issue. That means a driver who’s been told “no” before can finally get a “yes.” Your advisor confirms the details for your state.

No. This is personal supplemental and health-adjacent benefits for you and your family. It has nothing to do with your commercial driver’s license, your motor-carrier authority, or your truck’s physical-damage, cargo, or liability insurance. Accident coverage pays you, the member — it is not liability or cargo coverage. It’s completely separate.

Advisors are licensed across all 50 states, but not every product is available everywhere, and benefits, premiums, and eligibility vary by state. That’s exactly what the Benefits Check is for — your advisor confirms what’s available where you drive.

BenefitHub is a members-only savings marketplace included with your membership. Drivers use it for real, everyday savings — Verizon phone plans, hotels along the route, theme-park and attraction tickets for the family, tires and auto service, and thousands of restaurants and retailers.

PIOPAC Fidelity Insurance is the licensed Third-Party Administrator that handles billing for the association and Aflac. If you enroll in Forward Shield, your monthly or weekly auto-draft shows up as PIOPAC on your bank statement. It’s expected — not a surprise charge — so you know exactly what it is when you see it.

You can cancel your membership anytime — no long-term contract. To stop texts, reply STOP to any message or call (866) 915-5499. Your consent to be contacted is never a condition of getting information or coverage.