There's no cost for our support! Licensed in HI, CA, NV, TX, MI, OR, ID, CO
Navigating Employee Benefits
We do the heavy lifting for you • Creative benefit solutions to strengthen your benefits while helping you save money.
And guest what? There is NO COST TO YOU for allowing us to help you with your benefits!
Worksite Benefit Options
We leverage our insurance relationships for you!
We work with the top carriers & organizations in Hawai'i to provide the best insurance options available. Early reports suggest individuals and companies will see health insurance premium increases averaging 12% or more next year (in Hawai'i - see below), regardless of claims experience.
It will be even more important to shop around for the best benefit options available, and we have several ways to help you save money while also working to strengthen your overall benefit offering.
Insurance premiums start of as low as $312/month (for individuals)
& $968/month (for families up to 4 people)
Guaranteed-Issue Whole Life Insurance Plan
Our agency provides an exclusive Guaranteed-issue Whole Life plan through Mass Mutual that combines the stability of permanent insurance with worksite enrollment ease. It gives employees a rare opportunity: lifetime protection, guaranteed cash value growth + dividend potential and up to $150,000 in coverage with no medical exams.
Everyone qualifies, regardless of current health conditions!
Rate example: $7.62/week for $50,000 (25-year old, non-smoker)
New AI-based Enrollment Support System
For our valued clients, we also provide access to a new AI-based Enrollment Support System, at no cost to you, that can be used for ALL benefits being offered (your choice) and includes ringless voicemail, SMS/email campaigns, conversational support & scheduling links. This system consistently lowers administrative workload & increases participation in all benefits.
Guaranteed-Issue GAP Plans
This is a powerful benefit & health insurance strategy that is helping companies prepare for the incoming 2026 health insurance premium increases. Implementing a GAP plan allows companies to make changes to current health insurance benefits that significantly lower monthly premiums, and then use some of that premium savings to fund a GAP plan that provides same (or better) total health insurance coverage for their employees.
Rate example: $54/month for $5,000 GAP Benefit (35-year old)
Availability varies per state
Cash Benefits To Protect Employees Financially
These benefits are designed to pay employees directly, regardless of what their other benefits cover, in the event of injuries, sickness, disability situations, hospital stays and major health events like cancer or critical illnesses. They help to cover expenses that regular health insurance was never designed to cover, such as lost income, out-of-pocket costs, travel for treatment OR most importantly, your employees regular monthly bills.
There are multiple solutions available, that include guaranteed-issue or simplified-issue, payroll-deducted or ACH (non-payroll). with contribution scenarios ranging from 100% employer-funded to cost-sharing to 100% employee-funded.
Rates typically range from $2-$8/week for individuals, and just a few dollars more to cover the entire family.
Guaranteed-Issue Options
