LYFE Benefits & Insurance Solutions

LYFE Benefits was founded on the principle that everyone deserves access to quality health insurance and financial security. We believe these fundamental elements are crucial for individuals to thrive and achieve their full potential. That's why we're dedicated to providing personalized guidance and innovative solutions to help our clients navigate the complex world of insurance and employee benefits.

Our Mission

At LYFE, our mission is simple yet profound: to empower people to live their lives to the fullest extent. We strive to achieve this by improving access to affordable health insurance and fostering financial well-being for individuals and families. We recognize that access to quality healthcare is non-negotiable, and we're committed to working with our clients to find solutions that meet their unique needs and budgets.

Our Vision

We envision a future where comprehensive employee benefits are the norm, not the exception. We want to be the leading insurance brokerage firm in Southeast Michigan, recognized for our expertise, integrity, and unwavering commitment to customer satisfaction. Beyond providing exceptional insurance solutions, we aim to be an active and engaged member of the Southeast Michigan community. We believe that a strong and vibrant community starts with its people, and we're dedicated to investing in initiatives that enhance the quality of life for all residents.

Our Philosophy

Insurance is more than just a policy; it's a safety net that protects individuals from financial hardship when life throws unexpected curveballs. We believe that insurance provides peace of mind knowing that essential needs are covered, allowing individuals and families to focus on what truly matters. At LYFE, we strive to make insurance accessible, understandable, and tailored to each client's specific circumstances.

David Engle, President

David is a licensed health, life, and property & casualty insurance broker with a wealth of experience in healthcare and financial services. His expertise spans a wide range of areas, including self-funded employee benefit plans, commercial insurance, HR administration, and employee benefits compliance. David is passionate about helping businesses find the perfect insurance solutions to protect their employees and their bottom line.

Amanda Kugler, P&C Insurance Specialist

Amanda is a licensed property & casualty insurance broker with a background in sales and project management. She specializes in business and personal property & casualty insurance. Amanda brings a client-focused approach to every interaction, ensuring that clients understand their coverage options and feel confident in their decision-making.

Employee Benefits Solutions

We understand the importance of robust employee benefits packages in attracting and retaining top talent. In today's competitive job market, quality health insurance is no longer a perk; it's a necessity. We offer a comprehensive suite of employee benefit solutions designed to meet the diverse needs of our clients and their employees.

*Healthcare: ** At LYFE, we recognize that healthcare is a cornerstone of a healthy and productive workforce. We help businesses navigate the complexities of healthcare reform and offer a range of plan options to suit different budgets and employee requirements.

*Life Insurance:** Life insurance provides essential financial protection for employees and their families in the event of an unexpected death. We can help businesses design a life insurance program that meets the specific needs of their workforce.

*Voluntary Benefits: **We offer a variety of voluntary benefits, such as accident, critical illness, and dental insurance, which allow employees to customize their benefits package to fit their individual needs.

HR Consulting Services

Managing employee benefits can be a time-consuming and complex task. Our expert HR consultants can provide invaluable assistance with all aspects of employee benefits administration.

*Document Conversion & ERISA Compliance

We can convert existing benefit plans to meet ERISA compliance requirements, ensuring that your company is in full compliance with applicable regulations.

*COBRA Administration:

We streamline the COBRA enrollment process, including notification, assistance with elections, premiums collections, and filings, ensuring a smooth transition for employees experiencing a qualifying event.

*HIPAA Compliance:** We guide you through the intricacies of HIPAA regulations, ensuring that employee health information is protected and handled appropriately.

*Online Benefits Manager: **We offer a user-friendly online benefits enrollment system that streamlines HR administration and makes it easier for employees to manage their benefits.

Individual and Family Insurance

Beyond our expertise in employee benefits, we also provide comprehensive insurance solutions for individuals and families.

Our personalized approach ensures that you understand your coverage options and find the best plan to meet your unique needs.

*Life Insurance:** Protecting your loved ones is paramount. We offer a variety of life insurance options to help secure your family's future.

*Disability Insurance:** Disability can happen to anyone, at any time. Our disability insurance plans provide a steady income stream should you become unable to work due to illness or injury.

*Long Term Care Insurance: Planning for the future costs of long-term care can be daunting. We can help you explore long term care insurance options to safeguard your financial well-being.