Helping local families and businesses save money on health insurance for 2025/2026!
Navigating Employee Benefits
We do the heavy lifting for you • Creative benefit solutions to strengthen your benefits while helping you save money.
Worksite Benefit Options (Overviews)
Traditional Health Insurance, Dental & Vision
We work with the top carriers 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.
Rates start out at $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
Guaranteed-Issue Fixed-Indemnity Health Plans
More than ever, supplemental healthcare options are essential, whether you are an employer looking to offer them or an employee seeking to obtain them. These benefits are both popular & important for employees who do not have access to health insurance or don't have health insurance coverage at this time.
Key benefits include:
- No Deductibles or Coinsurance
- Hospital Admission Benefit
- Robust Hospital Confinement
- Doctor Office Visits
- Prescription Benefit
- Emergency Room and Urgent Care
- Outpatient Benefit
- Surgical Benefits
Rates start out at $63/month (for individuals)
& $199/month (for families up to 6 people)!
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.
*Platinum values are estimates because state‑level data aren’t widely available; they assume a 15 % higher premium than the Gold plan. Actual premiums will vary by insurer, region and plan design.
Guaranteed-Issue Options
