Legal and Financial Solutions

About ARAG

A Global Provider of Legal Solutions

Our History

ARAG® was founded more than 75 years ago by Heinrich Faßbender, an attorney and entrepreneur in Düsseldorf, Germany. He believed everyone should be able to assert their legal rights and created an insurance solution that offered the means to obtain justice, regardless of financial status. ARAG began as legal protection for car drivers and has grown to offer legal protection for all situations in life. After three generations, the company is still owned and operated by the founding family.

In 1989, ARAG purchased a division of Midwest Mutual Insurance Company and expanded business into North America where it provides legal solutions to consumers throughout the United States.

ARAG is a global provider of legal solutions focused on:

  • Education and Empowerment
  • Planning and Prevention
  • Resolution and Protection

Our Story

Global Expansion

With operations in 15 countries and nearly $2 billion in worldwide premium base, our global expansion is a testament to the conviction of our founders and the drive ARAG team members have today. As entrepreneurs we look ahead, anticipate change and respond proactively. Every action, innovation and decision is focused on providing outstanding service and meaningful relief for everyday legal issues.

As an independent family enterprise we stand for quality, efficiency and economic responsibility. For more than 75 years, the people of ARAG have been passionate partners empowering people to protect their rights and assets by making quality legal services affordable to all. Take a moment to hear first-hand what members have to say about ARAG.

International Strength:

  • Operations in 15 countries
  • Nearly $2 billion in worldwide premiums
  • 3,500 ARAG team members worldwide
  • Serving 15.5 million customers worldwide
  • In North America, rated A (Excellent) by A.M. Best Company

The Story Behind Our Name

ARAG Pronounciation

ARAG: \AHR·ahg\ is an abbreviation of our original parent company; the name means "legal protection insurance." In 2011, ARAG became ARAG SE (Societas Europaea) to reflect the legal form of companies in the European Union.

The Story Behind Our Logo

ARAG Logos

In the first ARAG logo, a knight in black with sword and shield stands ready to fight for the rights of policyholders. In 1938, the knight was replaced by a round seal with two crossed swords pointed downwards to represent protection. The ARAG logo has remained virtually unchanged to this day.

Our Clients

Brands of Distinction

ARAG has experience with entities across the U.S. and will provide guidance and consultation for your organization. Some of our clients include:

  • American Cancer Society
  • Culligan
  • Gwinnett County Public Schools
  • Hartford Healthcare Corporation
  • Hays Companies
  • IAC
  • Intermountain Healthcare
  • Kraft Foods
  • Lawrence Livermore National Security
  • Limited Brands, Inc.
  • Long Island University
  • National Treasury Employees Union
  • Novartis
  • OppenheimerFunds, Inc.
  • Royal Caribbean Cruises
  • SC Johnson & Son
  • Stanley Black & Decker

Our Values

Core Values Drive Our Focus on Excellence

Unique to ARAG®, our core values encourage individualism and provide team members with tools and resources to help them realize their true potential.

We focus on following these core values to provide excellence in our products, services, teams and relationships.

All team members receive in-depth training on the guiding principles of our organization.


Our openness is apparent in our international orientation. Measuring ourselves against international standards is a matter of course for us. This means we openly and honestly seek comparisons. Openness also means constantly questioning our routines. We view changes as opportunities and respond rapidly and flexibly. Only through change can we improve ourselves.

Pioneering Spirit

We develop new markets by inspiring people with the quality of our services and turning them into customers. We understand our customers’ needs and rapidly convert them into competitive offerings. To do this, we are not afraid to depart from the beaten track and commit our heart and soul to create new products and services for our customers.


We think long-term. We are quick to identify future market opportunities and align our activities accordingly. We monitor business and social trends to understand their impact on our work and anticipate market trends more quickly than our competitors.


Our work is characterized by professionalism. Each of us understands his or her responsibility for our enterprise. We consider the consequences of every action we take. We weigh the advantages against the disadvantages so that we can come to the right decisions. In this process, we are guided by customer expectations as well as our growth and profit targets. We understand that we must work efficiently and cost-effectively in order to remain competitive. We stand completely behind everything we say and do.


We are results-oriented, decisive and steadfast. Initiative is our most prominent characteristic. We share the conviction that passion and dedication are the foundations for success. Good teamwork requires the active participation of all individuals and the willingness to contribute their individual talents and skills to the performance community. We are driving our personal and professional development with ambition.


The family and team members alike are committed to the enterprise. Each individual makes an important contribution to the welfare of our enterprise, and their individual commitment is vital to the overall success. To us, fairness means we respect one another, trust one another, and think outside the boundaries of our immediate duties. This is the only way we can fully exploit our potential.

Social Responsibility

ARAG®, a global provider of legal solutions, is dedicated to providing equality under the law, enabling every citizen – and not just those who can afford it – to assert their legal rights. Through a passion to educate, protect and empower people to protect their legal rights we create opportunities to generate greater value for our stakeholders and make a positive difference in our community.

Our Customers

ARAG is a family-owned company built on the values of entrepreneurial drive and independence. Every action, innovation and decision provides customers outstanding service and meaningful relief for everyday legal issues. While we are proud of achieving industry-leading service excellence awards, it's the ability to take care of our customers when they need it most that makes our jobs so meaningful. Here are a few examples:

  • Legal education for all – ARAG offers no-cost access to educational information, guidebooks and legal tools.
  • Protecting loved ones – ARAG is one of the few providers to offer programs which protect ARAG members their dependents and elderly parents.
  • Plan conversion options – Members may continue to receive legal benefits as an individual benefit if they leave their group provider.
  • Death of a plan member – Upon death of an ARAG member enrolled in a group employer plan, ARAG waives premium and continues service for the surviving spouse and insured dependents through the end of the benefit year.
  • Military leave benefit – ARAG waives premium for all group employer plan members called to active duty.

Our Team Members

ARAG treats team members like family by offering best-in-class benefits, unique development opportunities and an organization focused on living the values of openness, discipline, farsightedness, drive, fairness and pioneering spirit. We support involvement in the community and living an active lifestyle through volunteerism, education and preventative health programs. Here are a few examples:

  • Physical Wellness – Along with top-notch healthcare ARAG's educational wellness program encourages and rewards healthy decisions and active lifestyles.
  • Legal and Financial Wellness – Team members receive all the benefits of ARAG's UltimateAdvisor® legal plan along with quarterly educational sessions focused on legal and financial wellness.
  • Service – ARAG provides team members with paid time off to volunteer and matching contributions to their local nonprofit passions.

Employee-Driven Awards

  • Best Places to Work in Insurance – Based on employee feedback, the designation of Best Places to Work in Insurance is given annually by Business Insurance magazine. From 2009-2011, ARAG team members have hailed the benefits of working at ARAG through an in-depth assessment of workplace benefits, policies, practices, employee engagement and satisfaction.
  • Patriot Award – The Patriot Award is presented by the National Committee of Employer Support of The Guard and Reserve (ESGR) to employers that support employees while serving active duty in the military. ARAG received this award based on the nomination from an ARAG team member and Army Reserve Member.

Our Business

ARAG's family enterprise was built on the premise that that the best way to take care of our customers is to be a responsible business leader.

  • Ethics – ARAG team members review our Business Code of Ethics annually and practice them daily. If an ethics violation occurs, team members report the situation on an independent Ethics Portal.
  • Information and Security – Our information and security measures set a high standard for client, member and partner information security and transparency. ARAG established and regularly reviews a Business Continuity and Disaster Recovery Plan.
  • Governance – ARAG North America is proud to carry an A.M. Best Company Rating of A (Excellent). A Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
  • Diversity – We provide team members with opportunities to learn, develop and achieve their unique goals. ARAG supports Minority and Women Business Enterprises (MWBE) by helping Network Attorneys gain MWBE certification.

Our Community

ARAG helps build strong communities by providing volunteer aid, community outreach and scholarship programs which align with our business and mission to help individuals protect their families, finances and future.

  • Service – ARAG provides team members with paid time off to volunteer and matching contributions to their local nonprofit passions.
  • Education and Empowerment – ARAG provides access to legal services and educational materials to citizens in association with community events. We partner with local schools to help young people understand the importance of the law.
  • Investing in Tomorrow's Leaders – In partnership with Drake University, ARAG established the ARAG Chad Hensley Diversity Scholarship to provide tuition assistance and support for a law student who demonstrates the values of our founding members: philanthropy, diversity, community involvement, and a strong interest in providing quality legal services and protection for all.

Our Environment

Protecting our future includes having an awareness of our environmental impact. ARAG accepts our responsibility to protect and enhance our environment in the way we operate. We encourage environmental stewardship and support controls through the following actions:

  • Going Green – ARAG's Green Team helps the organization carefully consider sustainability objectives and environmental impact as we work to meet our corporate objectives.
  • Building a Green Community – In 2010 ARAG established the ARAG Green Fair in Des Moines, Iowa (our U.S. headquarters). The ARAG Green Fair is a unique event that brings together local businesses to share what they're doing to build a sustainable future. We partner with other community leaders to increase our reach and make a positive impact on our environment.


While we appreciate the recognition, at ARAG® we believe our awards stand for something more. The following honors given for customer service excellence, communication effectiveness, and team member satisfaction are another way to demonstrate that we are what we say and we do what we promise.

Service Awards

BenchmarkPortal Top 100 Call Center

ARAG was named a Top 100 Call Center by BenchMark Portal. This is the fourth consecutive year ARAG has made the list, (2011-2014) continuing its track record of industry-leading customer service.

Center of Excellence

ARAG has been certified as a Center of Excellence eight consecutive years (2007-2014) by BenchmarkPortal, a national benchmarking firm. BenchmarkPortal evaluates contact centers across a variety of industries on their ability to exceed rigorous statistical standards in comparison to their industry peers. Only five to seven percent of companies that apply and undergo a rigorous assessment review achieve the overall performance results that are required for certification and an even smaller percentage of companies receive certification for consecutive years.

Workplace Awards

Patriot Award

ARAG is a proud recipient of the Patriot Award from the National Committee of Employer Support of The Guard and Reserve (ESGR). The award recognizes organizations that provide outstanding patriotic support and cooperation to their employees while on active military service. ARAG was nominated for this award by an ARAG team member serving on active duty in the Army Reserve.

Best Places to Work in Insurance

ARAG has been selected as one of the Best Places to Work in the insurance industry for the sixth consecutive year. The prestigious honor is based on employee feedback and is given annually by Business Insurance magazine in partnership with the Best Companies Group.

Marketing Awards

PRSA Prime Award

In 2013, The Central Iowa Chapter of the Public Relations Society of America (PRSA) presented ARAG with an Award of Merit for outstanding work in the field of community champion.

IFCA Award

In 2013, the Insurance and Financial Communicators Association (IFCA) presented ARAG with an award for work in public relations sponsorship programs.

IMCA Award

In 2013, the Insurance Marketing and Communication Association (IMCA) presented ARAG with Awards of Excellence for work in the fields of corporate social responsibility and in-house marketing.

Executive Team

David Murray, President and Chief Executive Officer

David Murray

Phone: 515-246-1200

As a 25-year veteran of ARAG, David has repeatedly seen how our product changes people's lives and is committed to developing strategies that allow for market expansion and higher service levels. He has been instrumental in driving an innovative business model that allows for new distribution channels, products and infrastructure that support group and individual products.

"The market is changing and our competition is getting fiercer. That's why we've positioned our company for faster adaption in a complex world." Through David's leadership, the company is able to test new ideas more readily. By working harder, faster and more creatively, ARAG is in a leading position to distribute timely products through new and varied channels.

David is committed to the belief that a company's greatest asset is its employees. "The culture at ARAG is a leading differentiator and one of the primary contributors to our success. Our team members are passionate about what they do. They enjoy coming to work and constantly see that what they do makes an important difference in the lives of others. And our customers are the direct benefactors of that. Simply put, happy employees mean happy customers. The multiple awards we've earned for customer service, and as an employer, back that up."

David earned his bachelor's degree in business and accounting from Northwestern College in Orange City, Iowa, and his Master's of Business Administration from Drake University in Des Moines, Iowa.

Commitment to Community
David coaches wrestling and football teams in Carlisle, Iowa.

Erin Barfels, Chief Human Resources Officer

Erin Barfels


In her role on the executive team, Erin advocates for employees by developing strategies for workforce planning, compensation, benefits and organizational development.

As a steward of our corporate culture, she guards and grows the competitive advantage our climate provides. Driven by the belief that our people are our greatest strength, she develops strategic programs that allow us to attract, retain and develop distinctively talented people who can create a substantive difference in the market.

With a career-long dedication to human resources, Erin chose ARAG for "the authentic passion employees have for what they do, what they bring to the marketplace and the difference they make in our members' lives." Her strong yet caring leadership style has helped to inspire the culture, values, benefits and individual growth opportunities making ARAG an exceptional company, where individuals can enjoy a rewarding career while making a difference in the lives of ARAG's customers.

Erin earned a bachelor's degree in psychology and a master's degree with an emphasis in human resource management from Iowa State University.

Commitment to Community
Erin is an active member of the Society for Human Resource Management (SHRM) and has served on speaking panels for the American Society for Training and Development (ASTD), Women's Networking groups, and patient advocate panels. She previously served as an executive member of the Creative Good Council where she spearheaded a team focused on HR Strategy and HR Issues within organizations.

Erin is also actively involved in organizations focused on children and families in need. She is passionate about the Leukemia & Lymphoma Society and was named the 2011 Woman of the Year for her fundraising efforts. She serves as a board member for Variety - The Children's Charity, and has served as a VIP fundraiser for their annual telethons since 2003.

Ann Cosimano, General Counsel

Ann Cosimano

Phone: 515-246-1200

Ann directs the company's Legal, Regulatory, Compliance, Customer Service, Provider Relations and Claims departments. Having started her career as an attorney in the non-profit world, Ann brings a full understanding of – and deep respect – for members experiencing legal matters. Ann genuinely cares about improving the lives of others and demonstrates that as an active volunteer. She aligns those values with her role as an executive leader believing "our product supports a social good and helps people at a time that is most stressful."

Ann received a bachelor's degree in psychology/sociology and pre-law from Peru State College in Peru, Nebraska, and attended Creighton University School of Law in Omaha, where she received her Juris Doctorate.

Commitment to Community
Ann serves on the Board of Directors of the American Prepaid Legal Services Institute (API). She is a member of the Polk County Women Attorneys, Polk County Bar Association, Iowa State Bar Association, American Bar Association and the Association of Corporate Counsel.

Ann is very passionate about causes that help children and has donated time and resources to several including Make a Wish Foundation, Amanda the Panda, Food Bank of Iowa Backpack Buddies and Robin's Nest Children's Home in Montego Bay, Jamaica.

Ann Dieleman; Senior Vice President, Chief Marketing and Business Development Officer

Ann Dieleman

Phone: 816-891-9888

Ann is personally committed to educating consumers about their legal rights and empowering them to act. She brings this passion for lifelong learning to her role leading the Product Development, Marketing, Client Management and Business Development teams.

With nearly 20 years of sales and marketing experience in the financial services industry, Ann applies both insight and intuition to developing new markets, products and distribution channels. She believes that whether customers connect with us over the phone, through social media, or our interactive website, the underlying relationship is what matters most – and she focuses extensively on building and maintaining relationships based on trust and respect.

Ann received her bachelor's degree in business and communications from Simpson College in Indianola, Iowa and her Master's from Drake University in Des Moines, Iowa. She holds an associate's degree in customer service designation from the Life Office Management Association.

Commitment to Community
Ann is on the Board of Directors for the Professional Insurance Marketing Association (PIMA). She is a member and former board member of the American Marketing Association, and a member of the Direct Marketing Association; LIMRA International and Inter-Company Marketing Group (ICMG). Ann is also a former member of the Creative Good Council.

Inspired by the opportunity to make a difference in people's lives, Ann's heart, and her spare time, is committed to helping the hungry and disadvantaged. She continually finds ways to make a difference by organizing collections for domestic violence shelters, food bank donations, coats and blankets for the homeless and other efforts in the community.

Dennis Healy, Vice President Group Sales

Dennis Healey

Phone: 855-422-1673

As a member of the executive team, Dennis leads the organization in building a strong and diversified distribution system. He has over 20 years of insurance industry experience, with a primary focus in the sale of group voluntary benefit products to employer groups of all sizes. He is responsible for developing and maintaining relationships with distribution partners and employers to position legal solutions as an important part of an employer's overall benefits offering.

Dennis is driven to make a difference by exploring new directions for growth. He believes that ARAG has "a tremendous opportunity to provide a benefit that people genuinely need at any age and can afford at almost any income. As more people become aware of legal solutions, we are well positioned to fill a largely unfilled need."

Having proven that he can generate impressive results in other markets, Dennis is excited to lead a distribution team focused on setting new standards for professionalism and success while providing a truly valuable benefit to our customers.

Dennis has a bachelor's degree in Management from Keene State College in New Hampshire. He has been published frequently in trade publications and is a featured speaker at industry conferences and seminars.

Mark Hennessey, Chief Operating Officer

Mark Hennessey

Phone: 515-246-1200

Mark leads Operations, Enterprise Risk Management, Audit and IT. His primary charge is to drive innovation and ideas that contribute to operational excellence and revenue growth.

Mark's experience includes sales, IT, business operations, business development and joint ventures. Regardless of his function, he is deeply committed to people first and developing relationships above all. Mark believes that "too often, technology consumes us. A simple phone call or face-to-face meeting can make a lasting impression and is much more impactful than technology could ever attempt to be." Mark has a strong conviction to what we do and the impact it makes on member's lives and carries that into relationships with clients and fellow team members.

Mark has a bachelor's degree in Computer Information Systems (CIS) from Drake, and a bachelor's degree in finance from Iowa State University in Ames, Iowa. He earned his Masters of Business Administration from Drake University in Des Moines, Iowa.

Commitment to Community
Mark has served on the Ankeny Fire Department for the past seven years as a Firefighter/Emergency medical technician (EMT.) Many nights have been spent responding to citizen's calls for help. Whether it's a residential fire or an elderly person who has fallen, serving the community is one way in which Mark hopes to make a difference in people's lives.

Andrea Morse, Chief Financial Officer

Andrea Morse

Phone: 515-246-1200

As Chief Financial Officer, Andrea oversees all aspects of financial-related activities for the company. This includes the direct responsibility for accounting, underwriting client support services and forecasting with a strong involvement in strategic planning.

Andrea's enjoys working with people from all levels of the company to insure the business is run smoothly. "We have a very supportive, relationship-focused culture; there is mutual respect for everyone and everyone is encouraged to ask questions and learn." Whether explaining financial results to clients or how the business works at all employee meetings, Andrea is passionate about helping people understand ARAG's financial perspectives and how they have been successful.

With a deeply rooted reputation for accounting expertise, Andrea is recognized by many in the industry as one who will always strive to do the right thing. She blends a 20-plus year career of accounting expertise with careful financial pragmatism resulting in solid decisions that benefit the business and its members equally.

Andrea has a Bachelor's degree in accounting from Northwest Missouri State University. She is also a Certified Public Accountant (CPA).

Commitment to Community
Andrea seeks out opportunities to help the less fortunate and donates her time and efforts to Children & Families of Iowa, Meals from the Heartland and the Ronald McDonald House.