Employee Benefits Insurance

Munoz + Munoz has extensive experience in providing comprehensive planning services and benefit consulting to small and mid-size businesses. Each of our clients is unique in their needs and wants, therefore we approach each client with an eye towards the best fit for them instead of the best fit for us. 

Our extensive relationships in the industry, and our independent broker status, help our clients receive the best option paths for their employee benefit needs. 


At Munoz and Munoz, our philosophy is that each client relationship is unique, with its own set of circumstances, requiring custom solutions that are flexible enough to respond to an evolving marketplace. Working in cooperation with our client’s human resource professionals and advisors, we proactively design, implement and manage innovative client-focused benefit solutions. By leveraging state of the art technology and consolidating benefit services our clients can lower their benefit costs and increase system efficiency throughout the benefit administration process. We pride ourselves on providing innovative employee benefit solutions to our clients. Our experience and dedication to customer care allows us to offer a truly unique perspective in the development of a comprehensive benefits plan.

Munoz and Munoz helps clients select, implement and manage group insurance plans that fit their budget and benefit their employees. We are an independent broker and work with the leading carriers, all with ratings of A or above.

Health and Accident Plans

  • Wellness
  • Voluntary, Payroll Deduction Plans
  • Dental
  • Disability
  • Life Term & Universal
  • Vision
  • Supplemental Accident
  • Section 125 Plans
  • Premium Only
  • Flexible Spending Account
  • Section 132 Transit Plan
  • Critical Illness
  • Health Insurance, fully and self-insured
  • High Deductible Health Plans
  • Health Savings Accounts (HSA)
  • Health Reimbursement Accounts (HRA)
  • Dental Insurance
  • Life and AD&D
  • Vision
  • Short Term Disability
  • Long Term Disability
  • Long Term Care
  • Employee Assistance Programs