
Disability & Group Life
Arroyo-South Bay partners with leading ancillary carriers to provide businesses with tailored solutions for disability and life insurance. These benefits are designed to supplement your employees’ healthcare needs and offer financial protection during unexpected events, ensuring peace of mind for both employers and their teams.
Trusted Carrier Partnerships
Industry-Leading Providers for Disability and Life Insurance
Major Carriers
Aflac, Beam Dental, Delta Dental, Guardian Life Insurance, Principal, and SunLife.
Customizable Plans
Options for short-term disability, long-term disability, group life insurance, and voluntary life insurance to fit your employees’ unique needs.
Protect Your Workforce with Comprehensive Coverage
Partner with Arroyo-South Bay to provide your employees with robust disability and life insurance benefits. Our team works with top carriers to ensure your business has the right solutions to support your employees’ well-being and financial security.

Why Choose Arroyo-South Bay?
Tailored Disability and Life Insurance Solutions
- Reliable Coverage: Access to leading carriers for dependable and efficient benefits.
- Flexible Options: A range of plans to meet diverse employee needs.
- Expert Guidance: Year-round support to simplify benefits management and ensure compliance.
Meet John M. Moody, CFP, CLU, ChFC
Your Expert in Benefits and Life
John M. Moody, CFP, CLU, ChFC leads the Arroyo-South Bay Group Benefits Brokerage (HR, Admin Worksite, Voluntary Enrollment, PEO) Pension, 401K, Profit-Sharing, Long Term Care, Deferred Compensation, Estate Advisory Services and serves a variety of industries such as real estate, hospitality and restaurants, construction, technology, manufacturing, entertainment, trucking, breweries and wineries, and environmental to name a few. Provides employee benefits brokerage to companies sized 1-1000 employees and works with every major healthcare, life, voluntary and TPA carrier.

Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.