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
Born and raised in the Seattle area, Dave has over 35 years of experience working with employers and individuals in various lines of insurance and financial services products. He was a founding partner with a local insurance broker called Compass Consulting Group. 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 Dave 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. Dave serves on the Broker Advisory Committee for Delta Dental of Washington and BerniePortal, is a member of the Association of Washington Business and West Seattle Chamber of Commerce.
When not working, Dave enjoys spending time with his daughters and family. He enjoys many outdoor activities including pickleball, hiking, camping, kayaking and mountain biking.
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.
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 Tripathi
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.
Matthew Marchlinski
Account Manager
E-mail: matthew@cummingsfraser.com
Matthew grew up in central Pennsylvania, where he attended Bloomsburg University and received a Bachelor’s Degree in Biology. He relocated to the west coast in 2019, in order to better pursue his passions of rock climbing, mountaineering, and trail running.
Michael Banks
Account Manager
Phone: (206) 923-7313
E-mail: michael@cummingsfraser.com
Michael’s hobbies include hiking, camping, snowboarding, board games, and basketball.
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