Gallagher Affinity Insurance Services, Inc.

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Gallagher Affinity Insurance Services, Inc. is a division of Arthur J. Gallagher & Co. that administers insurance, discount benefit, and affinity programs for associations, unions, and membership groups across the United States.

Rolling Meadows, Illinois, United States
gallagher-affinity.com
Owned by Arthur J. Gallagher & Co.

About Gallagher Affinity Insurance Services, Inc.

Gallagher Affinity Insurance Services, Inc. is a specialized affinity-marketing and program-administration arm of Arthur J. Gallagher & Co., a major global insurance brokerage. Gallagher Affinity designs and administers group insurance, supplemental benefits, and non‑insurance discount programs (such as dental, health, auto, and consumer savings plans) that are branded and sold through more than 300 associations, unions, and membership organizations nationwide.([gallagher-affinity.com](https://www.gallagher-affinity.com/?utm_source=openai)) The company functions both as an insurance agency and, for certain discount products, as a “discount plan organization,” providing access to networks of providers rather than traditional insurance coverage.([carefreedental.com](https://www.carefreedental.com/e-fulfillment-family/membershipterms?utm_source=openai))

A charge labeled something like “MVQ*GALLAGHER AFF” or “Gallagher Affinity” typically relates to a membership program, insurance premium, or discount-benefit plan that was enrolled through a partner association, union, or marketing offer—not directly on the Gallagher Affinity website. Common examples include Carefree Dental, Carefree Auto, Best Benefits, American Dental Discounts, and union-sponsored life, disability, or supplemental health coverage, which Gallagher Affinity administers and bills on behalf of the sponsoring organization and underlying carrier or discount network.([getcarefreeauto.com](https://www.getcarefreeauto.com/membershipterms?utm_source=openai)) These charges may be recurring monthly or annual membership fees, or occasionally a one-time premium or enrollment fee, depending on what the member agreed to at sign‑up.

If you are unsure about a Gallagher Affinity charge, the best first step is to review emails, mailed fulfillment kits, or member portals for the association or program where you recently enrolled in benefits; your welcome materials usually reference Gallagher Affinity by name and include a toll‑free customer care number. Gallagher Affinity operates U.S.-based customer service centers and dedicated program support lines for each partner program, which can verify what plan you are enrolled in, the billing schedule, and the original authorization source, and can assist with cancellations, refunds, or updating payment details.([gallagher-affinity.com](https://www.gallagher-affinity.com/?utm_source=openai)) If you still do not recognize the charge after speaking with them, you should contact your card issuer to dispute unauthorized transactions and consider replacing the card if fraud is suspected.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Gallagher Affinity Insurance Services, Inc..

  1. mvq*gallagher aff

Frequently Asked Questions

What is the “MVQ*GALLAGHER AFF” charge on my card statement?

An “MVQ*GALLAGHER AFF” or similar “Gallagher Affinity” descriptor usually indicates a membership, insurance, or discount-benefit program administered by Gallagher Affinity Insurance Services, Inc. on behalf of an association, union, or marketing partner. It may correspond to products such as dental or health discount plans, auto savings programs, or association-sponsored insurance coverage that you enrolled in via a website, direct mail, phone offer, or membership portal.([getcarefreeauto.com](https://www.getcarefreeauto.com/membershipterms?utm_source=openai))

What types of programs does Gallagher Affinity typically bill for and what are common charge amounts?

Gallagher Affinity commonly bills for recurring membership programs such as Carefree Dental, Carefree Auto, Best Benefits, American Dental Discounts, and various union or association insurance plans, often in the range of roughly $5–$50 per month depending on coverage and options selected.([getcarefreeauto.com](https://www.getcarefreeauto.com/membershipterms?utm_source=openai)) Your exact amount and billing frequency (monthly, quarterly, or annually) are defined in the specific program’s terms at enrollment and summarized in your welcome materials or member portal.

How do I cancel a Gallagher Affinity membership or benefit plan so I stop being billed?

To cancel, you generally must contact the specific program’s customer service line listed in your welcome email, membership kit, or on the program’s website (for example, numbers listed in the Carefree Dental, Carefree Auto, or association benefit terms pages).([getcarefreeauto.com](https://www.getcarefreeauto.com/membershipterms?utm_source=openai)) Many programs also allow you to log into your member portal and submit a cancellation under a Billing or Account section. Once processed, billing stops at the end of the current paid term unless the program specifies a different effective date.

How can I request a refund for a Gallagher Affinity charge I don’t recognize or no longer want?

Start by calling the customer care number associated with your specific plan; Gallagher Affinity runs dedicated, U.S.-based call centers that handle coverage, benefit, and billing inquiries for each program.([gallagher-affinity.com](https://www.gallagher-affinity.com/?utm_source=openai)) Provide your name, mailing address, and last four digits of the card that was charged so they can locate your membership. They can explain what you enrolled in, when it started, and—depending on the program’s rules—may offer a pro‑rated refund or cancel-and-refund recent billings if you did not use the benefits or enrolled in error.

How do I update my payment method or change my billing schedule with Gallagher Affinity?

Many Gallagher Affinity–administered programs allow you to update your payment information or change payment frequency by logging into the program’s online member portal and using the Payments or Billing section.([bcs-eo.com](https://www.bcs-eo.com/faq/billing-and-payment/billing-and-payment-issues/how-do-i-make-a-payment-change?utm_source=openai)) You can also call the customer care number listed with your program to switch the card or bank account being billed, change from monthly to annual billing where allowed, or update your billing address to avoid payment failures.

Why do I see multiple Gallagher Affinity charges in the same month?

Members sometimes enroll in more than one Gallagher Affinity‑administered product—such as a dental discount plan plus a separate auto discount or supplemental insurance policy—or have coverage for multiple family members, each generating its own charge.([getcarefreeauto.com](https://www.getcarefreeauto.com/membershipterms?utm_source=openai)) Additionally, if a renewal and a late or returned‑payment re‑bill fall in the same billing cycle, you may see more than one line item. Customer service can confirm whether multiple active memberships exist under your name and consolidate or cancel unwanted plans.

Can Gallagher Affinity place authorization holds or small test charges on my card?

For most membership and discount products, Gallagher Affinity processes a full membership fee or premium rather than a small test charge; however, depending on the payment processor used by a partner program, you may occasionally see a small temporary authorization when you first enroll or update a card. These authorizations should fall off automatically and not convert into settled charges. If you see a low‑dollar pending transaction that does not clear or is followed by an unexpected full charge, contact the program’s customer care line and, if needed, your card issuer.

How can I confirm which organization or website originally enrolled me in a Gallagher Affinity program?

When you contact Gallagher Affinity’s customer support for your program, they can typically see the source of your enrollment—such as the association or union sponsoring the plan, the marketing partner, or the website used (for example, a union benefits portal or a co‑branded discount-plan site).([gallagher-affinity.com](https://www.gallagher-affinity.com/?utm_source=openai)) You can also cross‑check the enrollment date they provide against emails, mailed brochures, or web receipts from that period to ensure you recognize the original offer.

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