Expert benefits. Advice you can trust.

Employee Advocacy

We answer employee questions and advocate to the insurance companies on their behalf.

Compliance

We assist employers in meeting federal compliance requirements relating to employee benefit programs, ERISA (Employment Retirement Income Security Act), and ACA (Affordable Care Act).

Online Tools

We reduce your workload by providing an onboarding and employee enrollment platform, as well as tools and guidance for HR.

Plan Management

We provide creative strategies to maximize your return on investment

ABOUT US

Cummings, Fraser & Associates has over 35 years experience providing the best group health insurance & welfare benefits at the lowest possible cost and helping employees understand and appreciate the valuable benefits their employers provide them.

First, we’ll help you assess your benefit needs and goals. Then we’ll bid the market for you, keeping you up to date with industry changes and providing an array of customized benefit options that best fit your company’s size and needs.
We emphasize a partnership based on integrity, depth of experience, trust and the provision of exemplary service. Our goal is to build a long-term relationship with you and your company.

Puget Sound Small Business Insurance Broker
Partners Dave Libao, Jane Fraser & Kevin Werlinger

OUR TEAM

Jane Fraser

Partner & Owner

Dave Libao

Partner & Owner

Kevin Werlinger

Partner & Owner

Meredith Winograd

Account Executive

Sheila Arestad

Account Manager

Michael Banks

Account Manager

Melanie Fisk

Account Manager

Nancy Goodman

Account Manager

Erika Henricksen

Analyst

Andrea Hickok

Compliance & Analytics

Sarah Kuns

Administrative Assistant

what sets us apart?

Knowledgeable

Our staff pursues continuing education at every opportunity.

Experienced

We have over 35 years experience providing group health insurance benefit plans.

Creative

We identify innovative ways to manage benefit costs.

Here’s what some of our clients have said.

Ellen Hatton
Ellen Hatton
Owner - Hatton Marine
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Thanks for keeping us up to date on all the new healthcare laws. And thanks for showing us plans we can afford.
Bob Code
Bob Code
President - Cascade Columbia
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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 complete the process nicely. Thank you!
Eric Nicolaysen
Eric Nicolaysen
COO - Bardahl Manufacturing Corporation
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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.
Mark B. Buckley
Mark B. Buckley
Executive Director - Parent Trust for Washington Children
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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.
Ralph J. Brindley
Ralph J. Brindley
Managing Partner - Luvera Law Firm
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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.
Bill Bair
Bill Bair
Administrator - Pacific Treatment Alternatives
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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.
Evan Smith
Evan Smith
Countryside Montessori
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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.
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frequently asked questions

We work with all the insurance carriers and Association Health Plans who are licensed in the state of Washington and who use the broker distribution channel. We are also licensed to work with carriers nationwide. We are carrier agnostic and choose the best carriers and plans to meet our clients’ needs and goals.

Carrier direct commission payments or a consulting fee.

Absolutely! Your benefits consultant works in tandem with your dedicated Account Manager.

We use different funding mechanisms, HRA’s, carrier tools, and technology

contact us