I have never heard of Top Club. What travel associations do they belong to? Do they have the proper sellers of travel license? Are they in good standing with BBB?
Bulk airfare may or may not be a better price. But you also need to consider the itinerary. Does it have you making more than one connection? Undesirable times? Which airlines, low cost airlines or major airlines? Will you still be able to get frequent flyer miles? Also what are the rules if you have to cancel or change? Who will make those changes Top Club or the airline?
Free travel insurance may sound like a great benefit and used by online agencies as a gimick to get you to buy from them. Beware though of the coverages. Will it cover pre-existing? Trip delay? Trip interuption? Supplier default? What are the reasons for cancelling it will cover? What are the coverage amounts? If it covers medical evacuation is it up to $15,000 or up to $50,000?