We just renewed our Costco membership and went with the Executive membership ($100 a year instead of $45) because of all the extra benefits--like 2% cash back on all purchases. They even offer medical insurance. My dad had small group through Travelers because he was a Realtor. The rates were much cheaper because he went through a large group--the realtors association or something like that. I'd bet the rates would be more competitive through Costco.
If loving me is wrong, you don't want to be right.
Don't touch the hair!