3201 1st Ave S, #108
Seattle, WA 98134


Business Health Insurance

Your Benefits Partner

We provide the technology, expertise,
and personal service to create a streamlined
benefits department for your organization.

Our Services
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Group Health Insurance

Plan Designs

We analyze your existing benefits program
and work with you to design a program
based on your specific goals.

Our Services
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Group Life Insurance

A Step Ahead

Proactively informing you of changes
affecting your benefits plan.

Our Services
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Small Business Health Insurance

Employee Communication

Helping employees understand the value
of the benefits you provide.

Our Services
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Group Health Insurance

Employee Advocacy

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

Business health insurance

Online Tools

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

Health Insurance 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).

Group Health Benefits

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.

Frequently Asked Questions

What carriers do you work with?

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.

How are you compensated?

Carrier direct commission payments or a consulting fee.

Would I have a dedicated Account Manager?

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

What processes or methods do you use to control healthcare costs?

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

What sets us apart?


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


Our staff pursues continuing education at every opportunity.


We identify innovative ways to manage benefit costs.

Here’s what some of our clients have said.

Expert benefits advice you can trust.