NATIONWIDE AGENCY, RELIABLE, PROFESSIONAL, TRUSTED
About us
WE ARE benefit consultants EXTRAORDINAIRE
It's not enough to be industry leaders, benefit analyst and healthcare reform experts, in today's complex benefits arena, advisors, need to know compliance, tax provisions, workers compensation, payroll laws and provisions, Human Resource Integration software experts, ACA compliance Experts. All while navigating the many carrier products.
It is truly a fluid environment, and advisors need to know so much more than just insurance products, but a myriad of components to round out a portfolio of offerings to clients in today's benefit landscape
We are benefit consultants extraordinaire!
leading innovation
We are the first Managing General Agency (MGA) to pioneer a proprietary benefit system that integrates employer group plan with individual plans utilizing a define contribtuition commonly referred to as Health Reimbursement Arrangements (HRA)
It was only a matter of time before the benefit industry followed suit with the retirement industry, much like pension plans shifted to defined contribution and the benefit industry is trending the same way. It only makes sense for automation software to be able to seamlessly work in tandem, and now it does.
industry insights
Automation tools to help create efficiency and lessen the admin burden for business owners is no longer a trend, but has become the norm.
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We believe benefit agencies and companies have to embrace new technologies in order to help clients achieve more with less time, energy and resources. We are on the forefront for ushering a new era in benefit servicing. Click the button below to learn more about industry and forecast.
industry leaders
The health insurance industry, has under gone several changes since the advent of the Affordable Care Act (ACA). This new fluid environment, has brought increasing challenges and obstacles for companies and organizations.
It requires the knowledge and the know how, when it comes to navigating the ever increasing sea of changes in health care legislation, we are insustry leaders in our field with a proven track record, our clients benefit from our knowledge and expertise. Click learn more
Real people. Real Stories.
A Living Benefits Testimony
A Legacy Left Behind
The Power of Annuities
we make the world better
WE MAKE BENEFITSEASIER
Employee benefits is more complex today, bridging the gap between technology, education, training and concierge support. Your employees are now counting on a better experience.
COUNSELING
It helps employees when they understand the benefits they are offered, and it starts with a initial consultation and orientation. There are less issues when employees are informed about their benefits.
TRAINING
We provide on-line learning management systems through our state of the art benefit portal, where employees and individuals can access their information and learn about benefits anytime any where.
EDUCATION
Benefits is forever changing in a fluid environment, and it makes sense to keep your company and employees informed about these changes that impact companies and organization. We provide on-going education
SUPPORT
Voted No 1 in customer service, we hold ourselves to the highest standards in meeting the needs of our clients and their employees, call center, on-line chat and local benefit advisers for a personal touch
see what
you qualify for
Over 300,000 New Jersey residents qualify for FREE health insurance. The recent passing of the American Rescue Plan Act (ARPA) will qualify many for a no cost or low cost plan option.
Nationwide
We are the best
Protect Your Health Insurance Solutions, the premier benefits firm in New Jersey is an affiliate agency in partnership with Mid Michigan Health Insurance Advisors (mmhia), division of insurance agents united (iau).
A total of 50 plus years in the benefits industry, that allows concierge service to New Jersey and Pennsylvanian employers, individuals and families.
Through our broker affiliated division (iau), we have over 100 locations Nationwide to serve all of your employees coast-to-coast.
INNOVATION
Leading benefits technology platforms
INDUSTRY LEADERS
Up on the latest changes in regulatory and legislative guiance
Compliance
Large employer compliance teams
TECHNOLOGY
Using technology to integrate service across multiple platforms seamlessly
HUMAN RESOURCES
Professional HR services for small and large group employers
FORECAST & OUTLOOK
Employer benefits are trending to the point of being the norm for define contributions utilizing HRA's
№1
Customer Service
100+
Combined Years in Business
3,600+
Individual Clients Managed
630+
Employer Clients Managed
What We Do
Our Services
Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
- Cost effective option for young growing families or individuals looking for more affordable coverage.
- There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
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Group Insurance Plans
Our team of certified benefit specialists, financial consultants and life underwriters utilize proven strategies to customize employee benefit packages that cut costs, while also reducing the time and stress related to managing employee benefits.
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Individual Health Plans
On exchange plans will provide more coverage to people and understanding how to leverage tax components is a smart way to make your plans more affordable. Although anyone can facilitate their own application online, we don't recommended it, there is no cost to to obtain a expert in the field of life and health insurance, this will help ensure your best chance of getting comprehensive coverage at the best rates.
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Supplemental Plans
You never know what you need until you need it, supplemental plans provide an overlay of protection for life's unexpected events from critical illness to disability, we offer plans that provide a lifestyle proctor giving you additional peace of mind that can be an a saftey net for you and your family.
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Disability Plans
It's a type of insurance you may not have considered. But if the unexpected happens and you're unable to work, it could provide the extra protection you need.below is a short explainer video on the advantages of having this type of plan added to your insurance arsenal for additional protection. Disability insurance can help cover expenses while you recover.
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Your Dedicated Team
We're ambitious workaholics, but apart from that, pretty simple people.
Barbara Hawes PhD, DRCC
Owner / Principal Agent
Barbara Hawes PhD, DRCC, Certified Benefits Counselor and Disaster Response Counselor, has been recognized by Marquis Who’s Who Top Health Care Professionals for dedication, achievements, and leadership in counseling.
Eric Culpepper
Partner
He has served in two military branches of service first the Navy as a technical gunner’s mate of guns (GMG) where he earned the battle efficiency three years consecutively, and also the Army National Guard where he earned several meritorious awards and honors of valor. He earned his degree in Marketing Management through his military service and since went on to work at several companies and establish many successful enterprises. He is married to his high school sweetheart of 20 years with two children residing in Bridgeport, Michigan.
Mary ann Newbill
College Planning Specialist
Having extensive experience as both a college consultant and a life coach, Mary Ann Newbill is uniquely qualified to advise and support students and families through the college process.
David Newbill
Certified Financial Planner
David has been working with individuals and businesses in the area for 22 years.
He has extensive personal and professional experience.He holds the Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER™ (CFP® ) professional designations, and is qualified and licensed to sell a variety of investment and insurance products. David specializes in the formation of your individual financial plan using your current financial position and helping you establish goals for retirement.
Frequently Asked Questions
Why is financial advice important?
There are few things in life as important as planning and providing for you and your family’s financial future. Working with a financial advisor can help you take advantage of opportunities and avoid costly mistakes. And people who work with a financial advisor and have a written financial plan say they feel more confident about the future.
How will a financial advisor help me?
Saving for important personal financial goals can be overwhelming — even during the best times. Objective, expert advice can help you prioritize and add clarity to chart out your best course of action. What's more, a financial advisor can work with you to develop a holistic plan that can help guide you through different market conditions and life events.
Why Us?
Quite simply, we offer you more than a decade and a half of proven financial experience and expertise. Whether you need a bit of investment guidance, help making sense of your life insurance options, insights on educational or retirement saving, or a fully-developed financial plan, we’re here for you. And we’re always happy to meet with you at your convenience.
On-line Scheduler
Book appointment
Principal Agent
Barbara Hawes - Benefits Consultant
Benefits Consultant, Asset Protection Management Specialist, Health Insurance Industry Expert, ICHRA Subject Matter Expert, Keynote Speaker
contact us
Protect Your Health Insurance Agency
Headquarters: 21 Maple Lane Unit D, Brielle, New Jersey
Phone Number:
848 220-5892
Email:
barbarh@aol.com
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