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
Plan Management
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.
OUR TEAM
Jane Fraser
Phone: (206) 923-7312
Cell: (206) 313-9559
E-mail: jane@cummingsfraser.com
Jane is a member of the Association of Washington Business, National Association of Insurance & Financial Advisors, Washington Association of Health Underwriters and President of the North Sound Business Network.
Jane was born and raised in England and emigrated to the U.S. in 1980 with her husband and two sons. Today she enjoys time with her family and friends, taking Tabata and Yoga classes, hiking, listening to classical music and reading.
Dave Libao
Phone: (206) 923-7300
Cell: (206) 683-0080
E-mail: dave@cummingsfraser.com
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 Werlinger
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.
Meredith Winograd
Phone: (206) 406-9820
E-mail: meredith@cummingsfraser.com
Meredith enjoys playing tennis and golf, cooking and being with friends and family.
Lexie Russ
Administrative Assistant
Phone: (206) 923-7306
E-mail: lexie@cummingsfraser.com
Lexie began working with Cummings, Fraser & Associates in 2022. Her responsibilities include processing enrollments, employee census updates, and assisting the team with various projects.
Lexie has maintained her residence in Seattle her whole life. In her free time, she enjoys going to coffee shops, seeing live music and theatre productions, seeking out locally owned thrift stores, and spending time with friends and family.
Michael Banks
Account Manager
Phone: (206) 923-7313
E-mail: michael@cummingsfraser.com
Michael’s hobbies include hiking, camping, snowboarding, board games, and basketball.
Melanie Fisk
Phone: (206) 923-7301
E-mail: melanie@cummingsfraser.com
Melanie has grown up in the Seattle area and enjoys spending time with family and friends, traveling, reading, and relaxing.
Nancy Goodman
Account Manager
Phone: (206) 923-7303
E-mail: nancy@cummingsfraser.com
She received her degree in Accounting from Nettleton Business College. Nancy enjoys spending time with family and friends, traveling, reading, cooking and gardening.
Erika Henricksen
Analyst
Phone: (206) 923-7304
E-mail: erika@cummingsfraser.com
Erika enjoys spending time with her family & friends. Her interests include camping, hiking, skiing & snowboarding, and volunteering at her son’s school.
Andrea Hickok
Compliance & Analytics
Phone: (206) 923-7308
E-mail: andrea@cummingsfraser.com
Andrea’s interests include spending time with family and friends, traveling, snowboarding, hiking and sharing in volunteer work.
Sarah Kuns
Account Manager
Phone: (206) 923-7311
E-mail: sarah@cummingsfraser.com
Sarah joined Cummings, Fraser & Associates in 2018 as an Administrative Assistant. She started working as an Account Manager in 2021 and primarily works on helping clients with renewals, enrollments, and benefit questions.
Sarah grew up in Los Angeles and moved to Seattle after receiving her Bachelor of Arts in Psychology. She enjoys spending time with family, friends, and her Siberian Husky. Her interests include hiking, camping, biking, rock climbing, and traveling.
Jody Libao
Underwriter
Phone: (206) 852-9793
E-mail: jody@cummingsfraser.com
Competent professional with over thirty-five years of experience in employee benefits and underwriting
principles. Possess a strong commitment to customer satisfaction while assisting clients with financial
analysis, budgeting, reporting, account reconciliations, and strategic planning. Proven record in retaining
clients and improving profits. Highly motivated with a strong work ethic. Consistently meet stringent
deadlines to produce comprehensive client and sales deliverables.
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.
frequently asked questions
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