Dedicated To Educators Like You.
Since 1976, Creative Benefits for Educators has been working tirelessly to meet the unique needs of Florida’s education community. We were created “for educators – by educators,” meaning we understand firsthand the financial struggles you may encounter.
Our mission is to make a tangible difference in the financial lives of Florida’s educators and their families. We offer a range of financial products and services specifically designed with you in mind. With our comprehensive approach, known as the CBE advantage, we aim to provide you with the peace of mind and protection you deserve.
We know that your most important assets are your family and your possessions. That’s why our team at Creative Benefits for Educators is dedicated to helping you safeguard them. We offer competitive rates on insurance and financial solutions that will empower you to protect what matters most.

A Look Back
Creative Benefits for Educators (CBE), originally known as PESCO, has a rich history of supporting Florida’s education community since its inception in 1976. Here’s an overview of its evolution:
1976
- PESCO is founded with FEA/United as a 50% shareholder.
1987
- PESCO becomes a subsidiary of Fringe Benefits Management Company (FBMC).
1994
- FEA/United acquired PESCO, shifting the company’s focus to financial and retirement planning services for members.
1996
- PESCO partnered with MetLife to create PESCO Plus, achieving profitability for the first time since separating from FBMC. PESCO Plus was later sold to AIG VALIC.
1997
- A joint venture with Liberty Mutual introduced a premier auto and homeowners insurance program tailored for Florida educators.
2000
- Following merger of FEA/United and FTP-NEA forming FEA, control was transferred to FEA local affiliates.
2006
- The Company rebranded from PESCO to Creative Benefits for Educators (CBE) to better reflect its mission and services.
2011
- FEA locals acquired 100% ownership of CBE under a shareholder-approved buyout plan.
Throughout its history, CBE has consistently aimed to provide quality insurance and financial products tailored to the needs of Florida’s educators, ensuring their financial security and well-being.
A Team Dedicated to Finding Financial Security for Educators and Staff

SHAREHOLDERS REPORT
To Our Shareholders
We are pleased to report that a dividend has been paid to shareholders for a record 26th consecutive year. Even during troubled times, Creative Benefits for Educators brings added value to membership while rewarding its shareholders.
Our Name Says Who We Are
In 2006 the Board and Shareholders approved a change in the company name to Creative Benefits for Educators (CBE). We believe this name accurately describes who we are and what we do. CBE has a new name, but it continues to provide the same high quality service you have come to trust.
This is our business… and it’s our only business.
CBE Proves Membership Doesn’t Cost, It Pays!
A Focus on Performance
Our Business Partners
- Auto/Home Insurance. Underwritten by Liberty Mutual, Educators Plus is recognized as one of the premier automobile and homeowner insurance programs in the nation and has been designed to meet the special needs of Florida's education community. With Educators Plus, the normal deductible is waved if the policyholder's car is vandalized or stolen while on school property. Competitive auto insurance rates are made even more attractive due to an extra "Members Only" discount of 10%
- Emergency Loans: BMG Money, Inc., and their LoansAtWork program, provides members an alternative to high cost payday loans. School districts and other public employers throughout Florida are embracing this option for all employees. Not everyone can qualify for credit union or bank loans. When emergencies happen and there is nowhere else to turn, LoansAtWork can be a cost effective option. These loans are payroll-deducted and do not require any specific credit ratings. As a result of this, the programs are implemented by the School Districts with this payroll deduction feature.
- Founded by local educators in 1934, Suncoast Credit Union has grown to become the largest credit union in Florida. Suncoast aims to help members live their best financial lives. Through Educators Choice® the Suncoast team offers educators a robust program of financial education and guidance seminars and financial planning services to meet FEA members' financial needs, from everyday banking through retirement planning. We're committed to helping the FEA education community achieve their vision for financial health and wellness in retirement.