Business Details
44 Years
experience
Your Trusted Insurance Partner in Honolulu, HI
Since 1982, PSH Insurance has served Hawaii businesses and individuals as an independent health and life insurance brokerage firm. Our success is rooted in a client-first philosophy, where we prioritize understanding unique needs to design benefit solutions that enhance business profitability and employee satisfaction. As CLU designees, our principals uphold rigorous ethical standards and continuing education requirements through the American College. Our independence allows unbiased recommendations across 40+ carriers, offering conventional and specialized products like international medical plans and Medicare bridge solutions. We maintain relationships with all major Hawaii medical carriers, ranking in the top three brokerage firms for small-to-mid group markets.Our commitment extends beyond sales, providing ongoing advocacy and access to complementary services through sister companies. With over 700 group clients and 2,500 individuals served, we combine local expertise with national resources to deliver tailored insurance solutions. Our team actively participates in health and wellness organizations, ensuring community alignment with client needs. Future-focused, we continue expanding technology-driven communication methods and long-term care solutions for Hawaii's evolving market.
Services
Health Insurance
Life Insurance
Employee Benefits
Pet Insurance
Long-Term Care Insurance
Details
- Year established: 1982
Highlights and features
- We maintain relationships with all major Hawaii medical carriers
- Our team includes CLU designees with 40+ years of local expertise
- We offer access to 80+ product lines from 40 carriers
- We provide ongoing advocacy beyond initial policy implementation
- Our recommendations are based solely on client needs, not vendor commitments
Associations and certifications
- American College
Services
Health Insurance
We provide comprehensive health insurance solutions for businesses and individuals across Hawaii. Our offerings include employer medical programs with all major carriers like HMSA, HMAA, Kaiser, and UHA. We specialize in designing customized plans that balance cost-effectiveness with quality coverage while ensuring compliance with evolving regulations. Our team helps clients navigate complex healthcare options to find optimal solutions.
Life Insurance
Our life insurance portfolio includes whole life, universal life, index universal life, survivor life, and term insurance products. We help clients protect their families' financial futures through tailored solutions that provide death benefits and potential cash value accumulation. Our experts explain policy features clearly to help clients make informed decisions about their long-term protection needs.
Employee Benefits
We design comprehensive employee benefit packages that help businesses attract and retain top talent. Our offerings include retirement plans, voluntary benefits, ancillary insurance, and specialized programs like key man insurance and business continuation plans. We work as an extension of HR departments to ensure benefits align with business goals while meeting employee needs.
Long-Term Care Insurance
Our long-term care insurance solutions help protect assets against the costs of chronic illness or disability. We offer individual and group plans that cover various care settings while providing tax advantages. Our specialists help clients understand coverage options and integrate these plans into broader retirement strategies.
Pet Insurance
We provide pet insurance solutions through Pets Best to protect against unexpected veterinary expenses. Our plans help pet owners afford necessary medical care while budgeting for routine wellness visits. We explain coverage options clearly to help clients choose appropriate protection levels for their animal companions.
People
Arnold S. Hirotsu
President
Certified financial expert with 40+ years in insurance since 1976. Holds multiple professional designations including CLU, CFP, and ChFC. Active in community organizations and health care reform initiatives. Leads executive compensation and estate planning services.
Gary C. Yanagihara
Executive Vice-President
Insurance professional since 1976 with multiple certifications including CLU and LTCP. Founded Hawaii's NAHU chapter and serves on various community boards. Specializes in voluntary employee programs and retirement plan design.
Kevin K. Kishimori
Employee Benefits Consultant
Certified insurance professional since 1991 with expertise in group medical plans and long-term care solutions. Holds multiple designations including CLU and RHU. Focuses on helping businesses implement effective employee benefit programs.
Richard Fonseca Jr.
Supplemental Benefits Director
Insurance industry veteran with 30+ years of experience since 1979. Former Aflac manager specializing in voluntary benefit programs and section 125 plan development. Focuses on creating customized supplemental benefits solutions.
Catherine M. Akau
Employee Benefits Consultant
Insurance professional with experience in group medical and dental plans. Former Kaiser Permanente account manager with business administration background. Specializes in helping businesses implement effective employee benefit programs.
Questions
How does PSH Insurance select appropriate carriers for clients?
We evaluate carriers based on AM Best ratings, product stability, customer service track records, and flexibility to meet client needs.
What makes PSH different from other insurance brokers?
Our independence allows unbiased recommendations, with access to 40+ carriers and 40+ years of local expertise serving Hawaii businesses.
How does PSH help businesses with employee benefits?
We act as an extension of HR departments, offering comprehensive solutions including medical plans, retirement programs, and voluntary benefits tailored to business goals.
What ongoing support does PSH provide after policy implementation?
We offer continuous advocacy, open enrollment assistance, claims history reviews, and annual benefit package evaluations to ensure plans remain optimal.
Does PSH offer specialized insurance products?
Yes, we provide unique solutions like international medical plans, Medicare bridge coverage, and expatriate group medical programs not commonly offered locally.
How does PSH help businesses control insurance costs?
We analyze market trends and negotiate with carriers to find cost-effective solutions while maintaining quality coverage and employee satisfaction.
