Meeting the Needs of Employees and Their Families Anywhere in the World.

Cowden Associates, Inc. (Cowden) is committed to offering comprehensive benefit solutions to address both domestic and international needs of a company’s operations.  Cowden’s professionals are prepared to help any organization evaluate, design and facilitate appropriate benefits across organizational and national boundaries.

Today’s global marketplace makes it necessary for employers to review their current benefit offerings and ensure they provide the appropriate level of coverage for all of their employees; coverage which is competitive and not overly generous, compared to local standards.

Cowden’s experts are ready to assist you with:

• Benchmarking against local norms
• Providing short-term coverage for those visiting foreign locations, or for foreign visitors to your U.S.A. facilities.  This is especially important since national or provincial plans often offer only minimal protection for U.S. medical services.
• Connecting you directly with local Human Resource (HR) and Benefit Experts
• Managing your international needs

Cowden’s experts, working directly or through their carefully selected alliances, have assisted organizations in obtaining appropriate HR, employee benefits and travel protection insurance that meet the needs of employees and their families anywhere in the world. 

To further meet company needs throughout the world, Cowden maintains active affiliations with international professional service organizations that enhance our ability to provide solutions to our client’s specific needs, anytime, anywhere. 

Cowden’s affiliations include:         

North American Actuarial and Consulting Services (NORACS)

NORACS is an association of independent consulting firms offering actuarial, employee benefits and compensation services.  With offices throughout the United States, the United Kingdom, Canada and Mexico, NORACS has direct access to the European Actuarial Consultancy Services (EURACS) network of European consulting firms and to other offices and correspondents worldwide.  This combination represents one of the most extensive consulting networks of its kind in the world.

British American Business Council (BABC)

BABC is an organization devoted to fostering international commerce, of which Jere Cowden is a board member.

United Benefit Advisors (UBA)

Through Cowden’s affiliation with UBA, Churchills International Consulting Limited (Churchills) links Cowden to global benefits and HR/compensation services as well as a network of global HR experts.

Churchills has built a global network of recognized leaders in employee benefits consultancy, each with expert knowledge and judgment in their own particular country.

Through Churchills, Cowden has access to expertise in helping you deliver cost-effective employee remuneration and benefits packages that will attract key personnel and enable you to become an employer of choice, wherever you operate. With representation in over 75 countries around the world, Cowden and Churchills will guide you on your journey to global success.

Other Worldwide Affiliations Include:

• HCC Medical
• International Benefits Consulting Group, Limited
• International Medical Group
• Seven Corners International
• HTH Worldwide

Additionally, Cowden works with domestic insurance companies including CIGNA International, Aetna International, HM International and specialty Lloyd’s members, as necessary.