“I have worked with Arlene for more than 10 years in the employee benefits brokerage & consulting industry at a prior brokerage. Together, we managed the employee benefits needs of many employers as their trusted advisors.

Arlene is a consummate professional and very well respected by her clients as she anticipates both the strategic needs and the tactical issues that mid-sized employers face in managing the costs of healthcare & employee benefits. Compliance, cost management, funding strategies, employee satisfaction & benefits administration are just a few of Arlene’s areas of expertise which serve as the “back office” of many HR departments.

Over the years, Arlene has successfully grown her business by helping implement HR strategies to grow client businesses. Specifically, Arlene has helped clients improve employee retention and profitability through her entrepreneurial drive and business acumen.

I endorse & highly recommend Arlene as a business partner & employee benefits broker that your company will be proud to call its own! Please contact me with any questions. ”

“I had the pleasure of working with Arlene Ramphal for over 6 years, and appreciate her skills, expertise and professionalism. She has impressed me as being a conscientious, hard working and dedicated broker. Her knowledge of the health insurance industry is such an asset when it comes to negotiating renewals each year. Her efforts have brought us savings in our health care costs while allowing us to provide even better benefits to our employees.

In addition to being professional, pro-active, and reliable, Arlene makes herself available whenever we needed her assistance and guidance on various topics, including healthcare reform. ”

“Since I met Arlene 17 years ago, she continues to impress me with her unwavering dedication and care. She treats us like family and ensures all of our insurance needs are met. As a smaller company, Arlene makes us feel like a large organization with her consulting approach when analyzing our benefits. Her understanding of the changing healthcare environment and knowledge of the industry makes us feel secure that the best is provided to our employees. She is a tough negotiator and keeps our renewal on the ancillary lines at minimal to almost no increases throughout the years. Arlene is always available for me with ready answers whenever I contact her with a question or request information. As soon as updates are available with regard to healthcare reform, industry trends, and legislation that affects our benefits programs, I would receive communication from Arlene explaining these changes. I couldn’t ask for any more in a broker. ”

“Once Arlene Ramphal took over as the broker of our employee benefit programs in the second half of 2009, she worked tirelessly to protect our best interests from both the compliance and cost perspectives. Not only does Arlene handle her responsibilities with the utmost care and diligence, she has often gone above and beyond the call of duty to offer many other value-added services.

In addition to being professional, pro-active, and reliable, Arlene makes herself available whenever we need her assistance and guidance on various topics. Using the breadth of knowledge and experience she acquired in diverse positions within the benefits industry, she brings a consultative approach by analyzing complicated data and compiling comprehensive easy-to-understand reports that are relevant to the company’s strategies. We greatly appreciate the experience of having Arlene collaborate with us as a business partner on employee benefit matters. ”

“My experience with Arlene has led me to know that she is a dedicated, hard-working employee benefits professional who will always work tirelessly for her clients’ best interest. She is always interested in learning as much as possible about our vast, complicated industry, frequently on her own personal time. Her clients can be assured they will receive top-notch, customized service from Arlene, assuring the most cost efficient, effective coverage for their employees.”

“Beginning with our first meeting, Arlene impressed me with her total engagement, understanding, breadth of knowledge and ability in analyzing our Company’s insurance needs. As a small firm, we sometimes feel as though we take second place to much larger corporations; however, this has not been the case with Arlene acting as our broker/consultant. I am very impressed with the work that she has done for us in finding alternatives for our employees’ life and health insurance benefits. Even with a few complications, she was able to find us the products that we were looking for at a reasonable cost.

Arlene maintains continuous contact and keeps me informed on new legislation that affects our benefits program. She is always ahead of the game for our health insurance renewal requesting participant data in preparation for renewal quotes in advance of the review. In can honestly say that I have never had this quality of service from any other broker. I feel confident having someone like Arlene assisting me in these decision.”