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
Senior Partner
Todd brings over thirty years of experience guiding businesses and individuals through complex insurance coverage needs. Renowned for his strategic approach and deep industry expertise, Todd delivers tailored solutions with a consultative, customer-focused style. His ability to anticipate industry changes and provide proactive guidance has made him a trusted advisor to clients seeking optimal coverage and long-term security.
Todd holds several prestigious certifications, including Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Chartered Healthcare Consultant (ChHC), and Small Group Specialist (SGS). He has been recognized as one of the nation’s top producers by the National Association of Health Underwriters (NAHU), reflecting his commitment to excellence and leadership in the field.
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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.
EXPERT EDUCATION
Events and Webinars
Employee Benefits
Foundations – Understanding the Multigenerational Workforce
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career planning strategies, review legal and compliance trends and provide actionable tools and resources.
January 21, 2026 at 10:00 am CT | Virtual
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Employee Benefits
Designing Benefits for Early - and Mid-Career Employees
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career benefit strategies, review legal and compliance trends, and provide actionable tools and resources.
February 4, 2026 at 10:00 am CT | Virtual
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Employee Benefits
Designing Benefits for Mid - to Late-Career Employees
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career benefit strategies, review legal and compliance trends, and provide actionable tools and resources.
February 18, 2026 at 10:00 am CT | Virtual
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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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Employee Benefits
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
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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
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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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