Wisconsin REALTORS® Association: Spectrum Insurance Group Inc.

Spectrum Insurance Group Inc.

Exclusive Group Benefits | Health, Dental and Life Insurance

Spectrum Insurance

Save on health insurance premiums with Spectrum Insurance without compromising coverage. Spectrum's program provides access to customizable insurance plans to meet your needs. Spectrum is the WRA-endorsed partner for health, dental and life insurance. Since 1960, Spectrum has served the real estate industry and will continue to work hard for you. 

Your personal health care consultant 

Spectrum’s role is to consult with WRA members and secure the best possible insurance coverage for their situation. Spectrum’s staff can help you to find an insurance plan that meets your needs and your budget as well as assist you in the application process. 

Protect your assets 

Serious illness often strikes without warning and with it comes significant expenses. While your health insurance will cover your medical expenses, the hidden costs of medical care — such as loss of income, deductible and copayments, and travel for medical care — can really add up. You can protect your assets by purchasing a critical illness or cash cancer plan that provides cash payments that you can use in any way you choose. 

Save time and money 

Spectrum Insurance takes a unique approach to employee benefits and individual insurance options, one which is based on transparency. Spectrum understands the challenges of trying to provide benefits to 1099 contracted individuals as well as the challenge of finding individual insurance options as a 1099 contractor with no access to an employer-sponsored plan. It is because of this experience that Spectrum has individual as well as group employee benefit options that are tailored to real estate brokerage firms as well as individual REALTORS®. Spectrum Insurance is the WRA-endorsed partner for health, dental and life insurance. Since 1960, Spectrum has served the real estate industry and will continue to work hard for you.

Whether you need a quote or simply advice on your health insurance, call Spectrum Insurance at 800-537-9786 or visit spectrumgroupinc.com/wisconsin-realtors-association.

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WRA Class Rules and Cancellation Policy

WRA classroom policy

  • Check-in opens 30 minutes before class (may vary depending on location).
  • Late students are not allowed into class.

WRA cancellation and refund policy

Virtual/live classes 

  • The WRA reserves the right to cancel the course or event if not filled. Should a course be cancelled, registration fees will be refunded in full.
  • Student cancellations must be in writing prior to the start of the course or event and will be refunded minus a $25 cancellation fee. Some conferences and conventions have additional cancellation and refund restrictions.
  • Registrations cannot be transferred between students or attendees. 
  • Sales pre-license attendance policy: Attendance is mandatory. Missed hours must be made up and cannot be made up until conclusion of the classroom portion of the course. All make-ups must be completed within seven days after the conclusion of the classroom portion of the course. An individual will not receive a certificate of completion for the course until missed hours are completed. An absence of more than two days will result in termination of enrollment in the course with an option to attend the course at a later date or transfer to a distance learning format, which may involve a transfer fee. If absence results in termination of enrollment, no refund will be issued. 
Distance learning programs
  • Sales and broker pre-license students have six months from the date of registration to complete the course.
  • Student cancellations for distance learning programs must be in writing within two weeks of registration and prior to accessing the course work. Students will be refunded minus a $25 cancellation fee.
  • Course materials must be returned at a student’s expense and in reusable and resalable condition. The request for cancellation will not be processed until materials have been received by the WRA.
  • Registrations cannot be transferred between students.

Other WRA products and publications

  • WRA products and publications must be returned at student’s expense within two weeks of purchase. Refunds will not be processed until materials have been received by the WRA in reusable and resalable condition. 

 Technical colleges

  • Returns may be made for a 100 percent credit if made within 30 days of purchase. There will be a 15 percent restocking fee on returns made after 30 days but before 60 days from the date of purchase. No credit will be given on orders 60 days or older or on outdated materials. Technical colleges will be notified of pending publication changes 60 days prior to publication. All products must be returned in reusable condition. 
Special events (WRA Annual Convention, REALTOR® & Government Day, etc.):
  • Special events including the ones listed above may have additional cancellation restrictions. Consult event details on event webpage(s) for policy information. 

Extension policy

  • If additional time is needed to complete a pre-license course, WRA students can purchase a 30-day extension for $30. Pre-license extensions are available for students up to 6 months from expiration date, and multiple 30-day extensions are permitted. 

The WRA reserves the right to revise these policies at any time without prior notice. 

View Terms and Conditions 

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