I help companies launch, enhance, re-structure, and underwrite voluntary benefits(VB). I service the San Francisco Bay region. We will get to you if you need my services from any location, no matter your company size.MEDICAL LANDSCAPE AT A GLANCE⦲ Medical debt is the leading cause of bankruptcies in America,📈Medical inflation and rising costs are pulling away from wages, making cost-sharing medical risk unaffordable. In addition, benefits are devaluing, and limits are increasing.VOLUNTARY BENEFITS(VB) AT A GLANCE☂Voluntary benefits are employee benefits offered through the employer payroll.☇ Employers are the conduit to employees receiving benefits and play a vital role in the well-being of the company's workforce.☇ VB empowers the employer's decision.🦺V B is a safety net or the foundation that should form the basis of any group benefits strategy.☇ VB protects from life's unexpecting moments that strike at any moment, affecting the financial well-being of employees, families, and futures ⚕️Voluntary benefits insure risks; injury| accident| illness, and more.☇ VB fills the gap in major medical and other insurance. FEATURES OF VB AT A GLANCE💾 Voluntary benefits cost the employer nothing.☇ VB increases employee take-home pay.💰Voluntary benefits offer on a pre-tax or post-tax basis ⌥Voluntary benefits are voluntary insurance, not compulsory💰VB pays you, not the provider.☇ VB is affordable, and the cost is minuscule relative to the rewards.TOTAL BENEFITS APPROACH AT A GLANCE 🥧Our approach is wholistic, and when designing a portfolio we consider wages, health&medicall, income, catastrophic illnesses, and survivor benefits for both groups and individuals.TYPES OF PRODUCTS AT A GLANCE 💥Accident Insurance♋Cancer Insurance💓Critical Illness Insurance🦷Dental Insurance♿DisabilityInsurance⛨Hospital Indemnity Insurance⚰Life