I just had a compliance review with our Payroll Processing Company. They wanted to reach out to ensure all the legal notices required around Benefits were going out to ensure our business is protected and he was surprised as he went down the list: CHIP, Medicare part D, Creditable Coverage Notices, Women's Health and Cancer Rights Act compliance, they told us we had everything we needed. He said out of the 400 people he has called, maybe only 10 of them had everything in order. He said "we must have a great Benefits broker", and I assured him we do indeed. Evan Smith - Countryside Montessori

Trying to navigate the world of insurance frequently leaves me confused and anxious, but Michael patiently guides me through it all, allowing our agency to feel secure that we are providing for the insurance needs of our employees. It is not an exaggeration to say I’d be lost without his help and he never makes me feel silly for asking what are, probably to him, questions with obvious answers. Bill Bair Administrator - Pacific Treatment Alternatives

We have been using Cummings, Fraser & Associates as our insurance brokerage firm for almost ten years. They have always been very thorough in researching the market for the right plans that fit within our budget. We would highly recommend Jane Fraser and her excellent staff to handle your insurance benefit program. Ralph J. Brindley Managing Partner - Luvera Law Firm

It is my pleasure to recommend the services of Cummings, Fraser and Associates. They 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. I happily recommend CFA without reservation. Mark B. Buckley Executive Director - Parent Trust for Washington Children

It is nice to have the same insurance broker for my Grandfather, my Mother and now for me since 1976. Wow, almost 40 years! And all of it a great job at a high level of quality. Eric Nicolaysen COO - Bardahl Manufacturing Corporation

The health insurance renewal letter you prepare for our employees is very beneficial. Then your personal visits to each of our Washington and Oregon locations completes the process nicely. Thank you! Bob Code President - Cascade Columbia

Thanks for keeping us up to date on all the new healthcare laws. And thanks for showing us plans we can afford. Ellen Hatton Owner - Hatton Marine