I am looking into the operation of the SBC annuity board health insurance program. My question is why is there a seemingly different set of rules for small Churches vs larger ones. This stemmed from my desire to have my wife leave her secular work and help me in Ministry but to do so we had to have health insurance, sorry the personal insurance program thru the annuity board will not accept anyone with less than perfect health and they will also not accept a certificate of credible coverage from my last insurer(that will get you new insurance with other forms of coverage) Now to make a long story short I visited an annuity board site on the web and read over the list of employment benefits offered, sadly any employee of the annuity board or any other SBC entity receives coverage (paid for by SBC funds) and they are able to use their credible coverage waiver to ensure acceptance but a Pastor of a SBC Church does not get the same privilage. This seemed unfair to me and when I contacted the ethics and religious liberties commission of the SBC and asked what they thought about this situation, all I received was the assurance that all employees of the SBC had the same insurance rates and requirements for coverage as the Pastors did but when I checked the annuity web site for verification I found that while anyone can view the requirements and rates offered to Pastors the rates and requirements for larger Churches and entities of the SBC are only viewable by authorized users.Why the secrecy? Does anyone have a view on this and does anyone have any information. I am not sure of the employment rules and regulations but I am sure of one thing,when Churches send in their donations that fund the employees of the SBC so they can have much needed insurance and those same Churches have a different set of rules so that in many cases their Pastor cannot qualify or afford this same coverage something is wrong in the SBC.