Unlike company-employed agents, Private Health Associates, US represent more than one insurance company, so we can offer clients a wider choice of auto, business, life, travel, expatiate and health insurance coverage's as well as retirement and employee-benefit products.
PHA US Agents and Brokers not only advise clients about insurance, they recommend loss-prevention techniques and ideas that can help cut costs. If a loss occurs, the independent insurance broker's at PHA US stands with the client until the claim is settled.
Captive Agents primary alliance is with the insurance carrier, not the insurance consumer. Private Health Associates, US broker's generally have no contractual agreements with insurance carriers and rely on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through PHA US. Brokers commonly work for either an individual looking for the coverage and financial tools that suits them best, or with the companies they represent
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