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
Cell: (206) 313-9559
E-mail: jane@cummingsfraser.com
Jane has 32 years of experience in employee benefits. In 2002 she left USI Northwest to form her own company, Fraser Consulting Services LLC. In 2005 she formed a partnership with Gary Cummings and together they created Cummings, Fraser & Associates, LLC. In 2017 Gary retired and Jane welcomed new partners, Kevin Werlinger and Dave Libao.
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 joined Cummings, Fraser & Associates in September 2019 as an Account Executive. She has 18 years’ experience in the employee benefits field, serving as both a consultant and also with the insurance carrier side.
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.
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.
Shaina Claudio
Account Manager
Phone: (206) 923-7311
E-mail: shaina@cummingsfraser.com
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.
Frank Airey
Account Executive | Medicare, individual and Group insurance
Phone: (206) 401-4855
E-mail: frank@cummingsfraser.com
He joined Cummings Fraser in 2024 with 7 years of experience at both large and small insurance agencies. During his career, he learned that being in a local office with a strong team is his key to success. He spent 4 years working on his own after working as a Producer for OneDigital. Frank loves working with small businesses and has an expert level of understanding with both the Individual and Medicare policies.
Frank is an active member of his community. He is the President of the Rotary Club of Ballard and will remain on the board once his term is completed. He also is a volunteer Baseball coach for his alma mater, Ballard High School.
Outside of 9-5, you might find Frank golfing, at a Mariners game, or volunteering in the community.
Barbie Evans
Enrollment Specialist
barbie@cummingsfraser.com
Barbie comes to Cummings Fraser and Associates with over 30 years in the insurance industry. She held many roles with a brokerage firm in their TPA company. Her duties included Billing, Eligibility, FSA and COBRA administration, Reconciliations and Enrollments.
She grew up in Utah and moved to the Pacific Northwest 36 years ago. She enjoys skiing, traveling and exploring the outdoors. She loves sunshine and spending time with her four children.
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