At Richard S. Bernstein & Associates, Inc., we understand the importance of selecting an insurance agency that has your best interest in mind. Clients can rely on us to deliver competitive insurance solutions and personalized service. Richard Bernstein is a leader in the insurance industry with over 40 years in business. A+ Better Business Bureau ranking was awarded. Full-service, independent insurance firm offering a diverse range of insurance products and carriers designed to meet the needs of our individual, corporate and charitable organization clients. Richard S. Bernstein & Associates, Inc. is committed to providing the utmost level of service with our dedicated account management team, extensive resources and strategic relationships. We are made up of experienced team of professionals providing trusted estate planning and insurance expertise that surpasses industry standards.

Corporate Benefits Network, Inc. is a highly regarded local insurance broker based in St. Petersburg, Florida, serving midsize and small employers across a wide range of industries. Their commitment to exceptional customer service and expertise has earned them high ratings from satisfied clients. Their St. Petersburg office exemplifies their excellence through successful collaborations with notable employers such as AmeriCare Ambulance Services. With a workforce of 170 members, AmeriCare Ambulance Services worked closely with Corporate Benefits Network, Inc.'s HR and finance team to develop a tailored insurance package. This included the implementation of a comprehensive HMO plan and a customized PBM (Pharmacy Benefit Manager) and drug plan. In addition to their specialization in the ambulatory health care services industry, Corporate Benefits Network, Inc. serves clients across Kentucky from their St. Petersburg location. Employer clients such as Everburn Manufacturing Inc. benefit from the company's strong expertise in designing insurance solutions tailored to their specific needs. With a focus on midsize and small employers, Corporate Benefits Network, Inc. understands the unique challenges faced by businesses in these sectors. They combine their industry knowledge with personalized service to provide comprehensive insurance coverage that meets the diverse needs of their clients. Corporate Benefits Network, Inc. has built a solid reputation for their expertise across ambulatory health care services and other industries. They are highly regarded for their dedication to exceptional customer service and their ability to design insurance packages that align with their clients' objectives. Whether it's addressing the insurance needs of ambulatory health care services or other industries, Corporate Benefits Network, Inc. is a trusted partner for midsize and small employers seeking reliable and customized insurance solutions.

Torgersen Causey is a trusted local insurance broker based in Pensacola, Florida, with a strong reputation for providing exceptional service and expertise. With a focus on serving large and midsize employers, they have successfully collaborated with a diverse range of clients. Their office in Pensacola has worked closely with Gulf Winds Credit Union, a leading employer in the depository credit intermediation industry. Torgersen Causey partnered with the HR and finance team at Gulf Winds Credit Union to develop a comprehensive insurance plan tailored to their 210 members' unique needs. This included setting up a self-funding arrangement, as well as HMO, PPO, and PBM plans to ensure optimal coverage and benefits. Torgersen Causey boasts extensive experience and expertise in working with HMOs and clients to address their specific requirements effectively. They have also excelled in serving clients with PPOs, tailoring plans to meet members' needs. Their partnerships with reputable pharmacy providers and PBMs have further enhanced their ability to deliver comprehensive and personalized insurance solutions. With a wide range of experience across industries and client sizes, Torgersen Causey has developed a strong M Score, indicating their high level of competence and expertise. Clients have consistently praised them for their excellent customer service and deep industry knowledge, further solidifying their reputation as a top-notch insurance broker. Operating in the competitive market of Pensacola, Torgersen Causey has established themselves as a reliable and trusted partner for businesses seeking tailored insurance solutions. Their strong expertise in the offices of physicians and depository credit intermediation industries allows them to address the unique insurance needs of these sectors effectively.

James F. Tullis & Associates, Inc., located at 1645 San Marco Boulevard in Jacksonville, Florida, offers specialized expertise in employee benefits for local and regional employers, particularly in the nonresidential building construction and building equipment contractors industries. With a focus on midsize employers, this insurance broker prides itself on its deep understanding of medical and ancillary benefits. This office demonstrates proficiency in managing the unique needs of its top customers, such as A/C Designs Heating & Air Conditioning and Williams & Rowe Co, both Florida-based companies with over 100 participants in their respective employee benefits programs. Their services are characterized by a comprehensive approach to benefits, emphasizing not only cost efficiency but also wellness, prevention, and human resource support. Key services provided by their Employee Benefits Division include long-term strategies for managing rising medical costs, efficient online enrollment and administration, 24/7 access to benefit details, wellness initiatives, human resources support, monthly new hire orientation meetings, assistance with claim issues, provision of Employee Benefits Handbooks, and Dependent Eligibility Audits. These offerings underline their commitment to delivering a holistic and supportive approach to employee benefits management.