Cummings Fraser & Associates

Cummings Fraser & Associates



Successfully Navigating the Employee Benefits Industry Since 1975. Cummings Fraser & Associates is an independent brokerage firm specializing in the purchase, installation, communication and administration of the employee benefits & insurance.


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We're Growing!

We're Growing!



All of us at Cummings, Fraser & Associates are thrilled to welcome two new partners to our brokerage, Kevin Werlinger and Dave Libao. Both are experienced benefit consultants who share our values and integrity. We are looking forward to many years together.

Our Services

Our Services



Whether you are an looking for a personal health insurance plan for you and your family or a company with anywhere from a handful to several hundred employees, Cummings Fraser & Associates has the expertise to help you find the right benefit plan. We serve residents of Washington, Oregon, and Idaho


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Group Insurance

Group Insurance

If you are a WA-based company and are interested in exploring your options with regards to group insurance, you've come to the right place!

Learn more about our Group Coverage

Individual Insurance

Jane has 31 years of experience in employee benefits consulting.  She partnered with Gary Cummings to form Cummings, Fraser & Associates in 2005.  Prior to that, she owned and operated Fraser Consulting Services.  Jane serves as the President for the North Sound Business Network and is an active member of the Association of Washington Business, the Washington Association of Health Underwriters and the National Association of Health Underwriters.

Jane was educated in England and emigrated to the United States in 1980 with her husband and two sons.  She enjoys spending time with her family, working out at the Poulsbo Athletic Club, hiking, and reading novels.

Born and raised in the Seattle area, Dave attendant primary school on the Eastside and attended Bothell Senior High School.  He now has over 35 years of experience working with employers and individuals in various lines of insurance and financial services products.  After starting his career elsewhere, Dave was a founding partner in a local insurance broker called Compass Consulting Group, where he worked for 10 years.  His primary focus was consulting with small and medium-sized employers to assist them with implementing employee benefit programs which included cafeteria and pension plans.  In 2011, he and his partners sold their agency interest to Brown and Brown, a large national insurance brokerage, and worked there until May of 2015.

Preferring to operate as part of a smaller local agency, Dave chose to again create his own agency with a focus on small- and medium-sized employers.  Now, Dave joins Cummings, Fraser, and Associates as Partner and Owner in the firm.

When not working, Dave enjoys spending time with his daughters and family.  He enjoys many outdoor activities including: downhill skiing, water skiing, hiking, camping, kayaking and mountain biking.  Dave also coaches his daughter’s high school golf team.

Kevin joins Cummings, Fraser & Associates from Lighthouse Benefits, a company he founded in 2014.  He has more than 27 years of experience in employee benefits consulting.  Kevin helped found and was a partner with Compass Consulting Group, which merged into Brown and Brown Insurance of Washington in 2011.  Additionally, he has served as a benefits consultant for The Health Insurance Exchange and as a marketing representative for John Hancock Mutual Life Insurance Company and Mutual of New York.  Kevin is currently a member of the Association of Washington Business, the Ballard Chamber of Commerce, and the Seattle Chamber of Commerce.

Kevin grew up in Seattle, Washington and earned his Bachelor of Arts degree with a double major in Psychology and Philosophy from Central Washington University.  His interests include family, friends, golf, skiing, and fishing.

Gary has been in business as an independent insurance broker since 1978, and has worked in employee benefits for even longer than that.  He formed Cummings & Associates when he realized that he had the most to offer as an independent consultant to his clients.  Eventually, he merged his business with USI Insurance Services.  However, his preference for independence and a small business environment lead him to partner with Jane Fraser to form Cummings, Fraser & Associates in 2005.  Gary is an active member of the Washington Association of Health Underwriters and the National Association of Health Underwriters.

Gary grew up on Bainbridge Island and now lives in Seattle.  When he isn’t thinking about insurance, you can find him driving classic cars across the country or taking his boat out on Lake Washington.

Erika began her insurance career in 2001 at USI Insurance Services as an administrative assistant.  In her time at USI she served many roles including account manager.  In 2005, she took her current position at Cummings Fraser & Associates.  Erika has a Bachelor’s degree in Psychology from Idaho State University.

Erika enjoys spending her down time with her with her family & friends.  Her interests include camping, hiking, skiing & snowboarding, and volunteering at her son’s school.

Kim began her career in insurance on the carrier side, working her way up from accounting into marketing. She moved to the broker side out of a desire to do more for her clients, and enjoys her current position because it allows her to work directly with employers and their employees.

Kim’s hobbies include motorcycle riding, making grape jelly, cooking, and gardening, and she loves spending time with her grandchildren.

Sheila started her career in employee benefits with Cummings & Associates in 1992.  She has a Bachelor’s degree from the University of Washington and Master’s degree from Columbia University.  She is active in the local chapter of the International Society of Certified Employee Benefits Specialists (ISCEBS) and diligently completes the additional continuing education requirements necessary to maintain her CEBS “CPE-Compliant” status.

Outside of insurance, Sheila enjoys traveling, genealogy, and her two cats, Vasya and Pippi.

Michael began working for Cummings, Fraser & Associates in 2015.  He has a Bachelor’s degree in English from Seattle University.  His hobbies include hiking, camping, biking, board games, and basketball.

Shena joined Cummings, Fraser & Associates in 2017. Her career in business development started in 1996 at the Health Insurance Exchange. Shena’s hobbies include camping, reading and dog walking. We are happy to have Shena as part of our team.