Business Insurance Services
LBA is a full-service agency providing award-winning program designs, advanced communication tools and a multilingual account management team to act as an extension to your HR Department. We're here to help you manage claims and maintain compliance with regulatory requirements including HIPPA, ERISA , COBRA and the new Patient Protection Affordable Care Act also known as Health Care Reform (HCR).
Some of our many service areas are listed below:
Individual & Business Life Insurance
We make it possible to quickly compare the cost, features, and financial strength of hundreds of life insurance products! As a result, our clients typically save up to 70%.
Group Employee Benefits
From small family-owned businesses to multinational corporations, the LBA Employee Benefits Team has the knowledge and expertise to take your existing benefits package to the next level.
Individual and Family Plans
LBA's team of professionals is dedicated to providing expert advice in these lines of coverage. Allow us to assist you in providing sound guidance for your family’s health coverage needs.
Retirement Plans
We have over 20 years of experience with proven results in the design and service of today’s retirement plans and strategies:
  • 401K
  • Deferred compensation
  • Profit sharing
  • Individual IRA
  • Executive bonus
Health Savings Accounts (HSA’s)
Health Savings Accounts (HSAs) continue to be among the most adopted health insurance products for small to mid-size employers. These plans align a high-deductible health plan alongside an investment account that provides for a large reduction in premium with enormous tax advantages. LBA has the expertise to make an often-confusing transition understandable, yielding significant savings and employee satisfaction.
HSA Resources
Senior Products
Medicare Part D and Medicare Supplements can be fantastic coverage solutions in certain situations. Allow our Senior Department to present you with the most appropriate coverage options for your situation.
Long Term Coverage (LTC)
The cost of long term care can be surprisingly high and long term health care needs are not generally covered by other insurance plans. LBA is a certified agency in California. Let us help you design the best plan for you and your family.
COBRA Administration
As the single most likely area of benefits administration to be litigated against, LBA has the experience to keep your benefits department compliant from A-Z.
Consulting Services
LBA offers a suite of consulting services designed to provide immediate impact. Consulting Services include Employee Benefits, VIP Personal Lines and more.
Medical Provider Disruption Reports
Our Benefits Team goes beyond rates and plan descriptions to find which physician and hospital provider groups may be impacted due to possible plan changes.
Executive / Key-Man Benefits
Appropriate strategic planning of key employees often goes without attention. LBA can provide solutions to adequate executive/key-man planning which meets your company’s strategic objective
Web-Based Administration
All LBA Insurance small group clients have access to their benefit information 24/7 through our proprietary web-interface. Find providers, forms, and more in a secure online workroom.

For a personal consultation on any of our services contact us today.

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Life Insurance
LBA is the benchmark for all other customer service.
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