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The aphorism, "As a man thinketh in his heart so is he," not only embraces the whole of a man's being, but is so comprehensive as to reach out to every condition and circumstance of his life. A man is literally what he thinks, his character being the complete sum of all his thoughts.
As A Man Thinketh
by James Allen
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Who is ?

Stepping Stone Insurance Services (SSIS) is an independent Sydney health insurance agency concerned about important social and environmental issues throughout the world. Stepping Stone grew out of EWD Insurance Agency (Peace, Love & Harmoney), a small independent health insurance agency created to assit in providing funding for local progressive organizations.

What is The Good Karma Program?

Our Good Karma Program allows our individual health insurance and group health insurance clients to support our 50 progressive organizations by donating 1% of their health insurance premiums to the progressive organization of their choice.

How much is 1%? Isn't 1% only a small amount of money?

Our Good Karma Program allows clients of group health insurance and individual health insurance to donate 1% of their monthly health insurance premium to one of our Good Karma Partners. The average group health insurance client presently with Stepping Stone has an average monthly premium of $3,340. If ten average clients selected one of our Good Karma Partners, the organization could expect an annual donation of $4,000. The fact is that 1% of health insurance premiums can REALLY ADD UP!

How does the Sign-up Bonus Promotion work? Since it is promotional, how long will it last?

To promote the growth of Stepping Stone, as well as the growth of our charitable giving, we are offering a sign-up bonus donation. The bonus provides a donation of $5 per employee for group health insurance policies or $5 per insured on a individual health insurance policies. The Sign-up Bonus promotion has become a permanent part of our Good Karma Program.

Is the Good Karma Program only available on group health insurance policies?

No. The Good Karma Program extends to all family and individual health insurance policies as well.

What exactly is "Good Karma?" How does the Good Karma Program produce Good Karma?

The term Karma, when literally translated, means, "To do." More completely, Karma is intentional and willful action (including thought) of two categories, skillful and wholesome, versus unskillful and unwholesome. Karmic law explains that the end result, or fruit, of any action is a direct response to the intentional action itself. The Good Karma Program produces Good Karma for our clients because it allows them to be a part of a skillful and wholesome intentional act to support the progressive movement of society.

What does the Good Karma Program cost me?

The Good Karma Program costs our clients nothing. If you already have a health insurance policy and you change your Broker of Record to Stepping Stone, 1% of the premium you are already paying for your current health insurance policy is paid to the Good Karma Program Partner of your choice. If you purchase an individual health insurance policy or group health insurance policy through Stepping Stone, you receive the lowest rates available, receive friendly and expert customer service paying no more for your policy than you would elsewhere, and 1% of your health insurance premium is paid to the Good Karma Program Partner of your choice.

Can I deduct the Good Karma Donation from my income tax?

No. Good Karma donations are made on your behalf by Stepping Stone Insurance Services. However, notification is sent to the Good Karma Partner detailing who has selected their organization for this program and what the quarterly contribution from that business or individual is.

Do I have to buy my insurance through you in order to be eligible to make a Good Karma donation?

Stepping Stone Insurance Services must be your Broker of Record on your health insurance policy. On a group health insurance policy, this is easily changed through submission of a Broker of Record change letter to your insurance carrier. Our website provides a sample BROKER OF RECORD LETTER. Changing the Broker on an individual health insurance policy can be more difficult. Please contact us if you have an individual health insurance policy that you would like to change and we will do our best to assist you.

What is a Broker of Record Letter? How does it affect my employee's insurance?

A BROKER OF RECORD LETTER is a letter to your insurance carrier that allows the transfer of your servicing agent on your policy to a selected new broker. The change of broker is effective the first of the month following receipt of the letter by your insurance carrier. This change does not affect your benefits, rates, or any other aspect of your health insurance policy.

How often are donations made to your Good Karma Program Partners?

Donations payouts are made on a quarterly basis; March, June, September and December.

Do you have a question about our Good Karma Program? Use the form below:

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