Business Details
43 Years
experience
Your Trusted Insurance Broker for Employee and Individual Benefits
Since 1983, Ernstam & Lewis Insurance Services has been a trusted partner for employers and individuals seeking comprehensive benefits solutions. Our four decades of specialized expertise in employee benefits, individual insurance, and Medicare supplements position us as a leader in California's insurance market. We prioritize personalized service over commissions, offering free consultations and competitive rates without hidden fees. Our team of certified professionals delivers tailored guidance, ensuring clients receive the right benefits for their unique needs.With deep knowledge of regulatory compliance and a focus on long-term client relationships, we provide value beyond insurance through benefits education and HR support. Our commitment to transparency and client-centric service has earned us a reputation as a reliable, ethical broker serving businesses and individuals across California and beyond.
Services
Employee Benefits
Medicare Supplements
Individual Insurance
Travel Insurance
Legal Protection Insurance
Dental Insurance
Life Insurance
Disability Insurance
Vision Insurance
Agricultural Insurance
Details
- Year established: 1983
Highlights and features
- We offer over four decades of specialized insurance expertise since 1983.
- Our services are completely free with no hidden fees or commissions.
- We provide personalized, responsive service without automated systems.
- Specialized expertise in California's complex insurance market regulations.
- Comprehensive compliance support for ACA, COBRA, HIPAA, and ERISA requirements.
Associations and certifications
- Registered Health Underwriter (RHU)
- Registered Employee Benefit Consultant (REBC)
Services
Employee Benefits
We provide comprehensive employee benefits packages including health, dental, life, and disability insurance tailored to businesses of all sizes. Our services include plan selection, compliance support, and ongoing HR consultation. With access to leading insurers, we help employers secure competitive rates while ensuring regulatory compliance and employee satisfaction.
Medicare Supplements
Our Medicare supplement plans help individuals cover out-of-pocket costs not paid by Original Medicare. We offer expert guidance in selecting Medigap policies that cover deductibles, coinsurance, and copayments. With free consultations and access to multiple carriers, we simplify the process of finding affordable supplemental coverage for retirees and working seniors.
Individual Insurance
We help individuals and families secure health, dental, and life insurance tailored to their specific needs. Our services include marketplace plan comparisons, private insurance options, and travel insurance solutions. With no broker fees, we provide direct access to competitive rates while offering personalized support throughout the enrollment process.
Agricultural Insurance
Through our partnership with Oakview Insurance Services, we offer specialized insurance for California agricultural businesses. Our packages include property, liability, and equipment coverage for growers, packers, and processors. We help agricultural employers achieve 10-20% savings on health insurance costs while providing comprehensive risk management solutions.
Legal Protection Insurance
We offer LegalShield plans providing affordable access to legal services for employers and individuals. Our coverage includes document preparation, trial defense, and consultation on family matters, real estate, and IRS audits. With plans starting at $20 monthly, we make professional legal support accessible and cost-effective for our clients.
People
David Ernstam
Co-owner, ACA Compliance Administrator
Founder with 40 years of insurance experience, David holds RHU certification and PPACA compliance expertise. He began his career at Mutual of Omaha and has led Ernstam & Lewis since its founding in 1983.
Eric Lewis
Co-Owner, Vice President of Sales and Marketing
With a decade of leadership experience, Eric oversees business development and marketing strategies while managing employee benefit packages for major clients across California.
Gina Mar
Account Manager
A 30-year industry veteran, Gina provides expert sales support and benefit education. She holds RHU and REBC certifications and manages client relationships with personalized service.
Lisa Gibson-Torres
Account Manager and Claims Support Specialist
With 20 years of experience, Lisa specializes in claims support and client education. A former Aetna professional, she brings extensive insurance knowledge to her client management role.
Veronica Rosales-Ponce
Claims Support and Spanish Customer Service Specialist
A licensed agent since 2018, Veronica provides bilingual support and benefit education. She specializes in claims processing and Spanish language assistance for diverse client needs.
Questions
What types of insurance do you offer for small businesses?
We provide comprehensive employee benefits including health, dental, life, disability, and vision insurance tailored for small businesses with personalized service.
Do you help with Medicare supplement plans?
Yes, we offer free consultations for Medigap plans that cover Medicare deductibles, coinsurance, and copayments with access to multiple insurance carriers.
Are your services free for clients?
Yes, we charge no fees for our services as we receive commissions from insurance providers while offering the same rates as direct insurer contact.
Do you serve businesses outside California?
Yes, while based in California, we increasingly assist multi-state operations with competitive benefits packages across the United States.
What compliance support do you provide?
We offer comprehensive compliance assistance including ACA reporting, COBRA administration, HIPAA requirements, and ERISA documentation for California employers.
