We offer health insurance benefits for the unique needs of today’s business world. The business world has changed dramatically. Small- and mid-sized companies continue to grow in numbers, accounting for more than one out of every three jobs in the US. Meanwhile, the landscape of international business is shifting. More and more companies − small and large − are sending their employees into foreign countries to open new markets or conduct business. A leading insurance brokerage, Total Benefit Solutions specializes in international health benefit plans that are flexible, portable and made to fit the unique needs of expat employees working in foreign countries or US-based employees of foreign companies. Our knowledgeable staff is also available to assist with health insurance plans for Washington, Alaska or Idaho - customized at different price points to meet the needs of small- to mid-sized businesses. Total Benefit Solutions works directly with brokers or producers providing an unparalleled level of service to support and grow your business. For more information on the right international or domestic group health plan for your client, or to request a custom quote, contact us today.

Insurance Partners is a local insurance broker based in Lubbock, Texas, specializing in providing comprehensive insurance solutions to midsize employers. With a strong focus on serving clients in the support activities for mining industry, Insurance Partners has established itself as a trusted partner in this sector. Their expertise and knowledge in the specific insurance needs of support activities for mining industries have made them a valuable resource for companies operating in this field. One notable example of their successful partnership is with Red Diamond Energy Services Inc, a prominent employer in the support activities for mining industry. With 130 members in their workforce, Red Diamond Energy Services Inc entrusted Insurance Partners to handle their insurance requirements. The broker worked closely with their HR and finance team to develop tailored insurance plans that met the unique needs of the company and its employees. While Insurance Partners has a strong track record and a local presence in Lubbock, it is worth noting that some customers have shared lower reviews. As part of the evaluation process, it would be prudent to investigate these concerns further. However, the success they have achieved in serving clients like Red Diamond Energy Services Inc underscores their ability to deliver effective insurance solutions. Operating primarily in Colorado and Utah, Insurance Partners serves a diverse range of clients in the support activities for mining industry. Their knowledge of the insurance landscape in these regions enables them to provide comprehensive coverage options and personalized services to their employer clients.

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

The Scioli Group is owned by Paul J. Scioli CLU, ChFC. , it began 27 years ago as a financial planning consulting firm. The consulting role evolved 18 years ago to include employee benefits consulting. The employee benefits consulting services include health, dental, vision, long term disability, short term disability, life as well as voluntary ancillary products. We are an independent agency licensed and appointed to do business with many insurance companies and third party administrators. Our goal consists of developing strategic plans with employers both self-funded and fully insured. Today, more than ever, a great employee benefits package is key to attracting and retaining the best employees. Yet, each business has its own needs. Navigating through the employee benefits possibilities and the costs are more overwhelming than ever – and it’s a substantial management challenge. At The Scioli Group, we position ourselves to be your compass – not just at the start of your decision-making process – but to help navigate through all phases of employee benefits as a daily, integral part of your team.. Paul J. Scioli

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement & wealth, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 15,000+ colleagues and 300+ offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $5 billion in annualized revenue, making it one of the largest brokerage operations in North America.

Higginbotham is a single source solution for insurance, financial and HR/employee benefits services. The employee-owned firm was established in 1948 and ranks by revenue today as the nation’s 21st largest independent insurance brokerage. Based in Fort Worth, Texas, Higginbotham serves businesses and individuals through locations across the nation. The firm specializes in tailoring programs to meet each client’s unique needs, and in standing by those programs with their Day Two Services®, which provide proactive customer support through the life of each policy. Higginbotham is a values-driven firm that strives to be family to employees, accountable to clients, teammates to carriers, and generous to communities.

Heritage-Rm is a reputable local insurance broker with an office situated in Lubbock, Texas. Known for their extensive experience and expertise, they have established themselves as one of the top brokerages in the Lubbock market. Their client base spans across large, midsize, and small employers, catering to their diverse insurance needs. Their Lubbock office serves clients not only in Texas but also across Illinois, showcasing their ability to provide comprehensive insurance solutions to businesses in different states. One notable example of their successful collaboration in Illinois is their work with Norton Energy Drilling, a leading employer in the oil and gas extraction industry with a workforce of 100 members. Heritage-Rm collaborated closely with Norton Energy Drilling's HR and finance team to develop a tailored self-funding arrangement that addressed the unique needs of their members. In addition to Norton Energy Drilling, their clientele in the Lubbock office includes notable employers such as Madera Residential, LLC, Apollo Medflight LLC, Children's Home Healthcare Dallas, and JF Heritage LLC. Heritage-Rm possesses strong expertise across various industries, including oil and gas extraction, heavy and civil engineering construction, and healthcare and social assistance. Their proficiency in working with self-funded employers, coupled with their wide-ranging experience across different client sizes and industries, has contributed to their excellent M Score, reflecting their commitment to delivering exceptional insurance services tailored to their clients' specific requirements.

At 90 Degree Benefits, we believe the right health plan does more than just provide benefits – it takes your business in the right direction. Whether you’re looking to transition from being fully insured, or are interested in self-funding with a new plan administrator, 90 Degree Benefits has the experience, tools and unparalleled industry expertise to take your plan in the right direction. With 22 offices serving 525,000 members nationwide, we deliver health plans built on uniquely crafted benefits designed specifically for the needs of our clients across the country. It’s time to experience a health plan that helps you along your road to success. Make the right turn with 90 Degree Benefits.

We are a full-service financial firm serving North Florida and South Georgia and we serve our clients with a commitment to provide a positive client experience. As an independent firm, you benefit from working with an independently owned and operated firm with strong community ties and local relationships, while having access to the resources typical of much larger firms. This is because we are aligned with Cetera Advisor Network, Inc., a strong financial services firm with a long successful history in the financial services industry. Our company is based on the principle that education and understanding of your current financial situation is vital to successfully make prudent decisions concerning your future financial condition. Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

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Founded in 1933, Stephens is a family of privately-held, independent financial services firms focused on building value for companies, state and local governments, institutions and high-net-worth investors. We are headquartered in Little Rock, Arkansas, with offices in leading cities across the country and overseas. Since our founding, Stephens has pursued an independent course. We’ve built our firm on long-term relationships and enduring values, establishing an international reputation for vision, integrity and innovation. Free from herd mentality, short-term thinking and quarter-to-quarter imperatives, we’ve always stayed focused on the people who matter most: our clients. As investors and business owners ourselves, we have a unique perspective on the world. We understand the needs and concerns of individual investors, industry leaders and public interest stewards. Because we sit on the same side of the table as our clients, we are able to understand their goals and help build their future in partnership. © 2025 Stephens Inc. | Member NYSE, SIPC Disclosures: https://stephens.com/social-media http://www.stephens.com/