I am the owner operator of Employee Benefit Services. I have been doing business health insurance for over 30 years? Specialize in large group and small groups. I also do life, disability, dental, vision and all voluntary products. My businesses are based around one thing, service. I believe in personal service and taking care of people. That is what an agent should do. My job is to help employers and employees get through the incredibly difficult and expensive world of health insurance.As your agent there is no charge for any of my services.