PACIFIC BROKERS offers packaged solutions to help manage your people and to streamline your business processes. Our services encompass Human Resource Support, Payroll and Employee Benefits.

Our Employee Benefit Packages are custom designed for each client. These financial “safety nets” assist employees and their dependents with the medical expenses incurred from an accident or a sickness, with the replacement of lost wages caused from these, with the financial burden to maintain good oral health and sight, as well as from an untimely death, and with the accumulation of money for the future.

Your annual budget per employee drives the design of your Core Benefits package.

Employee needs for financial “safety nets” always go beyond what your Core Benefits package can provide. That is why we offer the best available products in Supplemental / Voluntary Benefits. Get the Praise and Recognition for offering an Employee Benefit Package that is the best that it can be!

In our Optional Services, Benefit Package Administration can be made “Faster, Easier, Simply Better” with our web-based database. This platform not only is a repository for all of the data needed on employees, but also contains tools to administer your package. It has both HR and employee portals. Functionality includes “new hire enrollment”, “Open Enrollment” bill audit and employee “total benefit” statements. It pre-populates most enrollment forms with employee information and plan selection, ready for signature. It has extensive reporting capability and a simple import / export utility.

Our Online Human Resource Support Service includes most of the information you need to manage your "people" functions. To see an overview of these support services, see the Video.

The HR Advisor Newsletter is a monthly newsletter that is designed to keep you aware of the most current HR best practices and legal changes. The field of human resources is constantly-changing, and staying current with these important changes will help you grow and protect your business.

For Demos of our Benefit Administration platform and the HR Support site, call us at 1-800-672-2434.

Wealth Management and Retirement Income Planning - with decades of experience as licensed securities brokers, Pacific Brokers is uniquely situated to assist with the conversion of accumulated assets in 401-k's, personal investments and / or inheritances to lifetime income. Our solutions include the use of investment securities, CD’s, and insurance based products for lifetime income guarantees.


Basic Package Services: HR Support, an “Employee Benefits” website, a Benefit Package audit, preparation of Summary Plan Description’s and 5500’s, assistance with COBRA/HIPAA, other Legislative compliance, benefit plan administration and claims resolution.

Optional Services:  PACIFIC BROKERS partners with AlphaStaff, Payality, AmCheck and other leading providers of customizable outsourced solutions for your “People” functions…human resources, Payroll / tax, and risk management.


Please click here to see how Payality’s services complement ours.

Please click here to see how AmCheck’s services complement ours.




Expertise: Started in 1993 as purely an employee benefits firm, evolved into a multiple solution provider for employers during the millennium.


Vision: An "eye to the future"—understanding the trends in each "financial safety net" assists in the selection process.


Proficient Negotiators: Practiced, articulate, tough, persistent, unyielding and relentless are some of the words used by the carriers about negotiations on behalf of our clientele, yet through skillful balance our reputation is excellent within our industry.


Broad Capabilities: Distribution and servicing agents for ALL insurance companies for life, health, disability and accident coverage's that meet our financial strength criteria; a Registered Investment Advisor and an investment securities broker.


Basic Package Services: HR Support, an “Employee Benefits” website, Benefit Package audit, 5500 Form preparation, assistance with COBRA/HIPAA, other Legislative compliance, benefit plan administration and claims resolution.


Optional Services: Human Resource Information Systems and Payroll.


Our Qualifications: The tenure, expertise, vision, negotiating ability, systems and services to get the job done.


"Our Process with Employee Benefits"


It is always a challenge to balance the financial burden of benefit packages on employers while meeting employees' overall financial needs. The solutions for our clients are always unique to their specific circumstances. The steps, however, are always the same:


  • Establish your Goals and Objectives—financial and philosophical, by each “financial safety net”.
  • Match your Goals and Objectives with insurance carriers / financial product providers / vendors.
  • Obtain proposals.
  • Present alternatives by analyzing cost, disruption (loss of providers), plan features, and the impact of any change on your Human Resources Department as well as on employee morale.
  • Implement changes via meetings, memorandum, websites etc.
  • Establish an overall, on-going employee communication strategy.
  • Minimize Liability Exposures—audit all policies and documents, COBRA/HIPAA materials, administrative procedures and company communications, including employment and termination materials, your personnel manual and employee handbook. 

Insurance Company Representation


PACIFIC BROKERS represents, distributes and services every reputable life, accident, health and disability insurance carrier licensed in California, including:


  • AIG
  • Ameritas
  • Anthem Blue Cross
  • Assurant
  • Blue Shield of California
  • California Choice
  • Canada Life
  • Chubb Life America
  • CNA
  • Colonial Life & Accident
  • Delta Dental
  • Fort Dearborn Life
  • Genworth
  • Guardian
  • Health Net
  • Highmark
  • Humana
  • ING Employee Benefits
  • Kaiser
  • Lincoln Financial
  • MetLife
  • Mutual of Omaha
  • Pacific Life
  • Principal
  • Protective Life
  • Prudential
  • Safeco
  • Safeguard/SafeHealth Life
  • Standard
  • Sun Life
  • TransAmerica
  • Unimerica
  • United Concordia
  • United Healthcare
  • UNUM/Provident
  • Vision Service Plan

Consulting Services


  • Benefit Package Critique
  • Employer vs. Employee Cost Sharing Alternatives
  • Benefit Plan Funding Options
  • Healthcare Provider Access Surveys
  • Cafeteria/Flexible Benefit Plans
  • Governmental Requirements
  • Employee Communications
  • Employee Surveys

Group Insurance Brokerage Services


  • Medical Plans (Indemnity, PPO, EPO, POS and HMO)
  • Dental Plans (Indemnity, PPO, DHMO/prepaid)
  • Self-funding of State Disability Insurance (SDI)
  • Short Term Disability Plans
  • Long Term Disability Plans
  • Long Term Care Plans
  • Life and Accident Plans
  • Vision Plans
  • Employee Assistance Plans
  • Executive Health Reimbursement Plans
  • Executive Deferred Compensation Plans

Voluntary (Employee Paid) Plans


  • Short Term Disability Income (above SDI)
  • Voluntary Term Life
  • Voluntary AD&D
  • Critical Illness
  • Cancer Protection
  • Prepaid and Group Legal
  • Long Term Care

Retirement and Savings Plans


  • 401(k) Plans
  • Cross-Tested Plans
  • Defined Benefit Plans
  • Defined Contribution Plans
  • Keogh (Small Business) Plans
  • Target Benefit Plans
  • Simple IRA
  • Simplified Employee Pensions
  • 529 College Savings Plan