Group Insurance

If you are a WA-based company, you've come to the right place! 

Cummings, Fraser & Associates specializes in:



We partner with employers to find the best benefits package available to meet the needs of the employees, while not losing sight of the fact that the business must be mindful of its budget. We provide all current and prospective clients with an exhaustive analysis of available plan benefits and designs, presenting the best matches in easy-to-understand spreadsheet formats.
There's a lot of information out there – we help find and explain it!



Once we have put together a top-of-the-line benefits package, we assist in communicating these very important benefits to employees, via employee letters and in-person meetings.



Our job is ongoing throughout the year – it does not start and stop at your annual open enrollment! We will assist with claims, enrollments/terminations, billing issues, COBRA…

Mark B. Buckley

Executive Director - Parent Trust for Washington Children

It is my pleasure to recommend the services of Cummings, Fraser and Associates. CFA is our health insurance broker and I have been pleased with their consistent quality, professionalism and service. Jane Fraser has worked closely with us to design plans that meet our particular needs as a non-profit organization balanced with our need to receive good value at affordable rates. Jane listens carefully to understand clearly the needs of our agency and employees. She searched the marketplace to draw together a strong cross-section of options that are realistic yet reflect the great value we place on our staff team. Cummings, Fraser and Associates came highly recommended by a colleague whose judgement I trust. She was right. I happily recommend CFA without reservation.

Information and links about group insurance:

We can help you find benefit plans that are employee-paid.


Flexible Spending Accounts are a great way to help employees save tax dollars while paying for qualified medical expenses.


Healthcare Reimbursement Accounts can be implemented to work in conjunction with a company's medical plan.

We can install a Healthcare Savings Account-qualified medical plan to help employees save tax dollars while paying for qualified medical expenses.

Rules and regulations in this area can be daunting. We can provide expert assistance and reduce a company's HR workload.


Contact us today for assistance.