About Us
About us
We're known throughout the Texas Hill Country for our expertise in employer sponsored benefit programs for businesses with 2-500 employees. We also offer a comprehensive array of individual insurance products, senior products, and supplemental insurance to meet the varied needs of all of our clients. If you are looking for competent independent advice from an experienced Hill Country professional, we are available and eager to assist you.
The owner, Todd Peter, is a Registered Health Underwriter (RHU), Registered Employee Benefit Consultant (REBC), Chartered Healthcare Consultant (ChHC), and Small Group Specialist (SGS).
Products & Services
We provide a comprehensive array of products and services to address the needs of individuals to the large employer:
- Affordable Care Act Business Consulting
- Employee Benefits
- Cafeteria Plans
- Health, Life, Dental, and Vision Insurance
- Get a quote: Individual Health Insurance
- Get a quote: Short Term Medical Insurance
- Get a quote: Dental Insurance
- Get a quote: Vision Insurance
- Get a quote: Life Insurance
- Disability Income Insurance
- Long Term Care Insurance
- Medicare Advantage and Medicare Supplements
- Medicare Prescription Plans
- Short Term Medical and Travel Insurance
- Get a quote: Travel Insurance
- Aflac Supplemental Insurance
Meet Our Team
Todd Peter
Producer, Employee Benefits
Todd Peter is a distinguished leader in the insurance industry with over three decades of experience helping businesses and individuals navigate complex coverage needs. In 2003, he founded Benefit Solutions, an independent, veteran-owned insurance brokerage that has become a trusted name throughout the Texas Hill Country. Under Todd’s leadership, Benefit Solutions has grown into a premier provider of employer-sponsored benefit programs for businesses with 2-500 employees, as well as a comprehensive resource for individual insurance, senior products, and
supplemental coverage.
Known for his strategic approach and deep industry expertise, Todd has built a reputation for delivering tailored insurance solutions with deeply personal touch. His consultative approach, rich knowledge of insurance products, and commitment to customer service have helped countless businesses and individuals secure and maintain the best coverage options available. His ability to anticipate industry changes and provide proactive guidance has made him a sought-after advisor in the field.
Todd holds multiple prestigious certifications, including Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Chartered Healthcare Consultant (ChHC), and Small Group Specialist (SGS). Recognized as one of the top producers in the nation by the National Association of Health Underwriters (NAHU), Todd continues to be at the forefront of the insurance industry, helping clients navigate the complex market. Beyond his professional achievements, Todd is a devoted husband to Pam and a proud father to their daughter, Emily. Deeply rooted in the Kerrville, TX, community, he is passionate about giving back and staying actively involved in local initiatives.
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Client login
Log in to your HR 360 portal: https://www.hr360.com/login/
Quotes
What kind of insurance are you looking for? We provide a variety of coverage and carrier options to meet the needs of individuals and families. You may review the benefits and rates for some of the most popular plans below. If you have a benefit need, we have a solution.
- Individual Health Insurance
- Short Term Medical Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Travel Insurance
Code of Ethics
- We will make an honest effort to educate and provide competent assistance to all persons seeking help regarding healthcare or insurance services that our organization is capable of providing, regardless of whether or not our service results in compensation.
- We will uphold our primary duties and responsibilities as healthcare experts to inform the public regarding governmental healthcare options and assist with enrollment in an effort to increase awareness and reduce the number of uninsured citizens.
- We will only provide the most competent, independent, and unbiased advice that reflects the best interests of our clients, regardless of incentives or compensation.
- We will only offer quality products and services with a proven track record of financial stability and that provide substantial benefit.
- We will, as trusted advisors, maintain regular communication with each client to assess and address changing needs and concerns.
- We will care for every client like family. Every service request is important and should be handled accordingly. In the absence of an emergency, all service requests will be addressed in chronological order and documented, regardless of account size.
- We will comply with all laws and regulations, particularly as they relate to professional and business activities.
THOUGHT LEADERSHIP
Insights
Employee Benefits
Legal Alert: Agencies Clarify How Certain Fertility Benefits May be Treated as Excepted Benefits
This alert is of interest to all employers that offer fertility benefits or may be interested in offering fertility benefits in the future.
November 4, 2025
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Legal Alert: IRS Adjusts Health Flexible Spending Account and Other Benefit Limits for 2026
This alert is of interest to all employers that sponsor health FSAs and qualified transit plans, among others.
October 10, 2025
Find out moreEmployee Benefits
2025 Leave Report: Insights to Guide 2026 Leave Planning
Explore Alera Group’s 2025 Leave Report. Benchmark PTO, parental leave, and holiday policies to strengthen employee retention and recruitment as you plan for 2026 and beyond.
October 1, 2025
Find out moreEmployee Benefits
Legal Alert: IRS Issues Affordability Percentage Adjustment for 2026
The Internal Revenue Service (IRS) has released Rev. Proc. 2025-25, which contains the inflation adjusted amounts for 2026 used to determine whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (ACA) employer shared responsibility provisions and premium tax credit program.
July 23, 2025
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