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!

Real people. Real Stories.

A Living Benefits Testimony

A Legacy Left Behind

The Power of Annuities



$8 789 576

IN 2023

Learn How

we make the world better


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.


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.


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.


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


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.


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.


Customer Service


Combined Years in Business


Individual Clients Managed


Employer Clients Managed

What We Do

Our Services

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Life Insurance
Secure Your Family for Life Uncertainties
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Group Insurance
Affordable Employee Benefits
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Individual Health Plans
We Help Find the Right Plan for You
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Supplemental Plans
Vision, Dental and Critical Illness
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Disability Insurance
Cover Expenses While You Recover
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Medicare Plans
Complex World of Medicare Simplified
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Home & Auto
Comprehensive Affordable Coverage
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Commercial Property
Coverage for Large Assets

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.


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.

In this video segment business owners understand the fundlementals regarding group the risk associated and how to mitigate that risk..


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.


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.


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.


Your Dedicated Team

We're ambitious workaholics, but apart from that, pretty simple people.

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

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ICHRAs For Small Business

More small employers will begin migrating to Individual Coverage Health Reimbursement Arrangements. The advantages are clear.

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