Independent advisors. Transparent guidance. Real support.
A team of independent health insurance advisors serving small businesses, individuals, and families across all 50 states — with local roots in Philadelphia and East Norriton, PA. Founded in 2002 to put people first — not quotas.
An independent team built to help — not to sell.
We're a team of independent health insurance advisors serving small businesses, individuals, and families across all 50 states — with local roots in Philadelphia and East Norriton, PA. Founded in 2002, our mission has always been simple: to help clients find the right coverage for their team or their family without stress, confusion, or pressure.
We believe that every client, regardless of size, deserves personal service, clear answers, and long-term support.
- Independent — we represent all major regional and national carriers.
- Licensed nationwide — all 50 states, with local Philadelphia service.
- Carrier-paid — no extra cost for working with us. Ever.
Hyper-local, and here to stay.
Philadelphia is more than our address — it's the community we live in, work in, and show up for. From City Hall to the neighborhoods along Broad Street, the region shapes how we advise, how we listen, and who we hire.
People-first benefits — born from a different kind of insurance experience.
After experiencing a high-pressure sales environment in commission-driven financial services, our founder saw too many people treated like quotas instead of individuals. We were founded in 2002 to do the opposite: put people first, offer honest guidance, and deliver the kind of service we'd want for our own families and teams.
Personal, not transactional
We were founded on one simple belief: navigating health insurance should feel personal. From our earliest days, we've helped people make smart, confident decisions without jargon, pressure, or runaround.
1,600+ employers, thousands of individuals
Today our team serves over 1,600 employers and thousands of individuals across all 50 states — with local roots in Philadelphia and the greater East Norriton area. Whether you're growing your business, starting a new journey, or managing benefits for your team, we'll guide you at every step.
We grow with you
Open enrollment isn't the end of the conversation — it's the beginning. We stay with our clients through every renewal, every change, and every milestone, because long-term relationships are how we measure success.
Real support. Real relationships. Real results.
Four things you should expect from any advisor — and what we deliver every day.
Real advisors, not sales reps
You'll work with a licensed advisor who gets to know your needs and stays with you through every renewal and change.
Unbiased guidance
We represent all major regional and national carriers. No pressure, no hidden incentives — just the best options for your situation.
Support your employees count on
From onboarding to renewal questions, your team gets direct access to people who know your plan. No tickets, no handoffs.
Smart tools, fully supported
We help you get more out of platforms like Ease, Mineral, and Employee Navigator with step-by-step support and advisor guidance.
Supporting businesses, teams, and individuals at every stage.
From a single new policy to a complete employer benefits program, we tailor our advice to the client in front of us.
Small Businesses
Support for owners and managers handling HR responsibilities — group health, ICHRA, benefits admin, and ongoing employee support.
Medical & Dental Practices
Trusted by practice managers and physician-owners who need benefits that fit clinical and admin teams alike.
Trades & Field Services
Support for contractors and service teams in the field — flexible enrollment that fits how trade businesses actually run.
Individuals & Families
Guidance to compare options and choose the right coverage — ACA, Medicare, dental, vision, life, and short-term plans.
Law Firms & Legal
Plans designed for partners, associates, and staff — with the documentation and compliance support legal teams expect.
Where We Work
Licensed nationwide — all 50 states — with local offices in Philadelphia and East Norriton, PA. We work closely with leading carriers to support your business at every stage.
Recognized for growth, service, and impact — locally and nationally.
We're proud to be recognized for our growth, service, and impact both locally and nationally. The recognition is great. The real measure, though, is how often a client picks up the phone and reaches an advisor who already knows their plan.
- 2024 Philadelphia Business Journal Fast 50
- Inc. 5000 Fastest-Growing Private Companies
Carrier-paid. No fees, no markups, no hidden charges.
We're paid directly by the insurance carriers, not by our clients. That means there's no extra cost for working with us. You'll always get the lowest rate available for your plan — with no markups, no fees, and no hidden charges from our team.
There's only one set of rates, whether you work with us or go directly to the carrier. Our role is to help you choose confidently, not to push plans that aren't a fit.
Clear guidance, responsive support, and practical tools that make benefits easier to manage.
Clarity from the start
You won't need to Google terms or second-guess your choices. We'll walk you through it all clearly and simply.
No pressure
Just honest answers and licensed guidance — at your pace, on your timeline.
Support that doesn't disappear
We're known for real follow-up, not automated replies. Same advisor, same number, year after year.
Simple, smart tools
Including Ease, Mineral, Employee Navigator, and more — set up and supported by us.
Year-round support
For you, your team, and your family — from day one through every renewal.
Education that lasts
We answer questions when they come up — and explain the "why" behind every recommendation we make.
Behind every advisor is a full support team ready to help.
At Philadelphia Life and Health, you're not just working with one person. You're backed by an entire team of advisors, account managers, and service professionals who know your name, your plan, and your priorities.
Whether you're scheduling benefits, troubleshooting a claim, or prepping for renewal, you'll always have someone who knows your account.
Meet our teamReady to make insurance easier?
Start a conversation, not a sales pitch. Whether you're building a benefits package from scratch, reviewing a renewal, or looking for a second opinion on your current plan — call, email, or schedule a free call.
Important information
We are compensated by the insurance carriers for policies you choose through us. There is no direct cost to you. Compensation may vary by carrier and product. Information on this page is for educational purposes and does not constitute legal, tax, or accounting advice. Please consult your professional advisors about your specific situation. Tax treatment of ICHRA reimbursements can vary by employer and employee. We are licensed to advise clients in all 50 states. Product availability and carrier participation vary by state — contact us to confirm the specific carriers and plans available where you live or do business.
Schedule a free benefits consultation.
Tell us about your business and we'll walk through the services that make the most sense for your team — no obligation, no pressure.