Author: John Moody

John is a Certified Financial Planner (CFP™), Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). He became affiliated with Arroyo Insurance in 2006 and specializes in all Benefits and Life insurance related coverages, as well as Business, Commercial, Property Casualty accounts, ranging from two to 1,000 employees. His business activities include sales, marketing and servicing existing clients. John began his insurance career with The Massachusetts Mutual Life Insurance Company in 1982 and established the Muirfield Financial Group, Inc., a benefits consulting firm in 1985 and The Palisades Financial Group in 1996, which was subsequently sold to an institutional broker. He graduated in 1982 from The University of Southern California with a Bachelor of Science degree in Business Administration-Finance. John’s interests include music, skiing, sports, and he participates on various volunteer boards in his community.

Small Group vs. Large Group Health Insurance: Age-Banded vs. Composite Rates Explained

Most California employers buying group health insurance focus on the plan itself, deductibles, networks and premiums. What they don’t realize is that the rate structure used to price their coverage depends entirely on their group size, and that structure can swing their total benefits cost by thousands of dollars per year. Small group employers (1–100 […]

Mandatory vs. Voluntary Employee Benefits: What California Employers Need to Know

California employee benefits requirements are among the most comprehensive in the country. Employers operating here face obligations at both the federal and state level, and the list of mandated benefits has grown steadily over the past decade. Understanding which benefits are legally required and which are voluntary choices you make as an employer is the […]