A Team Dedicated to Finding Insurance Plans for Educators


To Our Shareholders

We are pleased to report that a dividend was paid to shareholders in September 2021 for a record twenty fourth consecutive year. Creative Benefits for Educators has brought continued 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%.
  • Members Only Enrollments. American Fidelity has now partnered with Creative Benefits to provide key insurance programs to members at the worksite featuring convenient payment through payroll deduction.
  • These "Members Only" enrollments have also proven to be a successful membership recruitment tool netting FEA locals nearly 3,000 members over the last five years. These new members generate more than $1.65 million per year in additional dues revenue.
  • 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.
  • Tax Preparation: H&R Block is the world's largest tax preparation company. FEA Members enjoy special offers on the tax preparation products and services of our partner, H&R Block. H&R Block is a global consumer tax services provider, with more than 680 million tax returns prepared by and through H&R Block since 1955. There are approximately 500 company-owned and franchise retail locations in Florida. An H&R Block branded office is usually located within five miles of most Floridians.
  • The tax preparers at H&R Block have an average of more than 10 years of experience in preparing tax forms. No return is too complex for them. They can do it all.
  • CrossCountry Mortgage, one of the nation's top-rated lenders, offers FEA Members the Preferred Mortgage Savings Plan. Members who are looking to purchase a home or refinance an existing loan can receive up to $2,198 in lender credits to use toward their closing costs. CrossCountry has a team of dedicated local Florida mortgage specialists who are ready to provide members with homebuying assistance, homeowner education and substantial savings while finding the best solution to meet their home financing needs.
  • An added benefit under the Preferred Mortgage Savings Plan, CrossCountry extends the same cost savings benefit to the families of FEA Members.
  • 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.
  • The Suncoast team offers 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.

Key Financial Indicators

Click the images below to enlarge.

Shareholder's Equity per Share | Dividends/Distributors (dollars per share)

Creative Benefits for Educators
Creative Benefits for Educators

CBE Proves Membership Doesn't Cost, It Pays!


Jim Geiger: Chairman

Jim Geiger is an experienced leader in both the business and education fields. He is a fourth generation Floridian who brings 23 years of service as a teacher and organization leader to his position as Chairman of Creative Benefits. He understands the problems that teachers, administrators and other school employees face. Under Jim's leadership, Creative Benefits is committed to:

  • Making a difference in the financial lives of educators and their families; and
  • Enhancing the value of membership in Creative Benefit's sponsoring organizations, the Florida Education Association and the Florida Association of School Administrators.

Jim first served Creative Benefits as President in 1992 and was elected by the Company's Shareholders as Chairman in 2002.

Creative Benefits for Educators

Sharon Beardman: President

Sharon has over 30 years of experience specializing in financial services and employee benefits. Her expertise in retirement savings and insurance protection has impacted the financial security of employees and families working throughout the public sector both in Florida and nationwide. Sharon is uniquely qualified and passionate about enhancing the value of Creative Benefits for Educators for the benefit of those dedicated to public education in Florida.

Creative Benefits for Educators

Board of Directors

Creative Benefits for Educators

James W. Geiger

Chair, Creative Benefits for Educators

Creative Benefits for Educators

Pat Barber

President, Manatee Education Association

Creative Benefits for Educators

Edward Baum

Former President CBE

Creative Benefits for Educators

Kenneth Boutwell, Ph.D.

Co-Mgr. Vineyard Capital Partners, LLC

Creative Benefits for Educators

Patrick Strong

President, Okaloosa Education Staff Professionals

Creative Benefits for Educators

Gregg Patterson

IMS Business, LC

Advisory Council

Pat Barber, Chair


Sandi Bisceglia


Anna Fusco


Nelly Henjes


Karla Hernandez-Mats


Holly Hummella-Gorman


Rob Kriete


Scott Mazur


Jerry Mead


Andrew Spar

Florida Education Asssociation

Ruby Strickland

FEA Retired

Patrick Strong


Stephanie Yocum


Elizabeth Albert


Carmen Ward