PRAM is a licensed Insurance Underwriter and also General Agent. PRAM is one of the nations leading Pharmacy Underwriters that also brings over 100 years of experience in underwriting and managing employee benefits for not only Independent Companies, but also Associations, Franchises and Trusts.

PRAM's staff has a unique array of strengths and experience from all critical areas of the Healthcare delivery system including Underwriting, Pricing, Plan Development, Administration, Cost Containment and Marketing.

PRAM is well qualified to assist your organization in developing and analyzing the best benefit alternatives to meet your specific needs. Please visit our array of Products and Services to see where we can assist your firm today!