After quietly taking care of employee benefits for some of the most respected companies in the region for 25 years, Life & Health Underwriters now also offers Property & Casualty Insurance, Surety Bonding, and Private Client Services. To reflect our new expanded role, we've changed our name to LHUI.

Established in 1970 by Marvin Smith, our company has grown to a full service insurance agency. Currently, Insuramax serves the insurance needs of over 5,000 individuals and families, and over 1,000 businesses. Insuramax is a firm that utilizes a unique business model known as the "Risk Reduction Approach and/or Total Benefits Approach". We focus on an elite client group providing long term risk reducing services that will lower their total cost of risk and improve their profitability. As a result of implementing a specifically designed risk reduction plan our client's operations become more attractive to the insurance marketplace.

Our company designs and administers employee benefit plans for small and medium size businesses. We service group health, dental, life, and disability insurance programs, as well as, design and administer 401K and pension plans. Our other specialty is to design financial and estate plans to meet the client's specific situation.

ClearBridge Compensation Group is an independent consulting firm providing advice to boards and senior management on executive compensation and incentive plan design with a focus on alignment with shareholders, linkage with business strategy, and adherence to strong governance standards. Our partners and team of consultants work together to provide sound advice based on each company’s unique situation. Our work spans across industries for both publicly-traded and privately-held companies.

Our Technology is Your Future LiDAC.com is a full service Employee Benefits Technology firm. We specialize in the distribution, design, selection and implementation of group insurance benefit programs LiDAC.com provides agents and brokers access to a unique Private Benefits Exchange that combines technology with sale and acquisition of employee benefits utilizing a web based solution. Users will be introduced to a comprehensive and competitive suite of benefit products in a virtual world designed to enhance their knowledge and experience in assisting their customer. LiDAC.com features a number of nationally recognized insurance carriers while hosting their products and services on our Private Benefits Exchange. Products include Life, Accident, Short and Long Term Disability, Dental, and Vision in a variety of contribution methods. Our platform features include; No Paper, No Census, No Booklets, No RFP, No Experience, No Application or Enrollment Forms and No Case Submission for sale and implementation of employer groups with 2 to 1,000 employees. LiDAC.com features two unique technology solutions. "Employer Choice"​ platform features a traditional approach offering insurance products and services available on an employer paid and / or voluntary employee paid basis. "Employee Choice"​ platform offers all voluntary products and services where the broker and their customer may elect to offer a defined ($$) contribution on behalf of each of their employees. Contributions are placed into an employee benefits bank and be used exclusively toward the purchase of their ancillary products. LiDAC.com continues to identify new products, features and services that offer online solutions to changes in the evolution of the insurance industry. Our objective is to provide the most effective, efficient and expedient 100% End to End Solution in the sale, acquisition and implementation of employee benefits nationally through our Private Benefits Exchange.