About Us

    Since 1990, Distinctive Insurance has provided insurance and employee benefits consulting services to Southern Nevada businesses.

    Distinctive was founded on the belief that a benefit and risk management firm should function as an arm of the company it represents. Distinctive strives to deliver tailored insurance solutions with thoughtful strategic planning, valuable professional services, and technology-based resources.

    In 2018, Distinctive joined Alera Group, one of the nation’s top 15 largest independent insurance agencies and one of the top 10 largest privately held benefits firms.

    The Alera Group comprises over 80 firms and serves thousands of clients nationwide.  This national presence allows Distinctive  to provide employee benefits, property and casualty, and wealth management services with the resources, technical expertise and best practices of a larger national firm.

    Meet Our Team

    Amanda Armstrong

    Account Coordinator
    Amanda Armstrong

    Amanda Armstrong, Account Coordinator

    Damari Bermudez

    Account Manager
    Damari Bermudez

    Damari Bermudez has 30 years of experience in the Health Insurance Industry, beginning her career as a Member Services at Health Plan of Nevada/ Sierra Health and Life. She has been with Alera Group | Las Vegas for the past 4 months and enjoys helping all clients. She thinks outside the box and is a problem solver. Her attention to detail is one of her many strong points. She is quick to respond to all issues and her response time is what set her aside from her competitors. Customer Service is very important to her and wants to make sure all clients are treated with kindness, urgency, and professionalism. Senior Professional Customer Service with over 30years in servicing the insurance claims processing industry, dependable interpersonal skills. Service experience supporting business groups while ensuring outstanding customer service and prompt issue resolution has followed her career. Strong troubleshooting and problem-solving skills with developed training and development experience.

    Damari is Bi-Lingual Spanish and English and loves spending time with her family and friends. She loves volunteering at the homeless shelters.

    Received The Las Vegas Chamber of Commerce Ambassador of Cf Courtesy Award in 1998 & 2000.

    Resources

    EXPERT EDUCATION

    Events and Webinars

    Employee Benefits

    Is Tech-Enabled Brokerage Right for You?

    Our experts will lay out what tech-enabled brokerage is, how it works and why it makes sense for the right organizations.

    September 19, 2024 at 01:00 pm CT | Virtual

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    Webinar graphic - Alera Engage

    Employee Benefits

    Meeting the Needs of an Aging Workforce

    Our experts will provide tips and insights about how to incorporate Medicare, menopause benefits, retirement, communications best practices and other hot topics for older workers into your program successfully and without breaking the bank.

    October 17, 2024 at 01:00 pm CT | Virtual

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    Webinar Graphic - Alera Engage

    Employee Benefits

    When Captive Insurance Makes Sense

    In this session, our experts will talk about how captives work, the advantages and disadvantages and what you need to know to determine whether they make sense for your organization.

    November 21, 2024 at 01:00 pm CT | Virtual

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    Webinar Graphic - Alera Engage

    Quote from Alice O’Hearn

    Studies have shown that good pay alone is not enough to keep excellent employees. Employers have to furnish employees with competitive benefit packages as well, and that is where Distinctive Insurance comes in.
    Distinctive Insurance has been an invaluable member of our team as we have grown from two employees to twenty-two over the past seven years. I’m happy to say that the team at Distinctive Insurance doesn’t quit working for you once the policy has been sold. As our needs have changed over the years, Distinctive has continually evaluated our policies and advised us how best to spend our benefit dollars.
    In addition, they have been helpful in assisting me with other human resource issues, such as employee handbooks, interview questions, employee evaluations, and more. The staff is always cheerful and prompt in dealing with the day-to-day issues that arise, such as obtaining insurance cards, adding employees to our policies, or implementing changes to existing policies, etc. It is without reservation that I recommend Distinctive Insurance.
    Alice O’Hearn Bailey Kennedy, LLP

    Quote from Lydia Guderjahn

    Our company has worked with Distinctive Insurance since 2002. We have worked with many brokers over the years, but hands down Distinctive has been the best. Their services go far beyond our insurance needs and they are always prompt to handle our questions and requests.
    Every year Distinctive helps simplify our open enrollment process. They help with auditing, enrollment meetings, individual meetings and the paperwork process.
    Most recently we have been able to experience with great satisfaction the seminars they are offering. Their seminars have proven to be very informative and interesting. The speakers are well organized and informed and the written materials are a great tool to take back to the office in implementing changes.
    I would highly recommend Distinctive Insurance to anyone. Their staff is friendly, quick to respond and very knowledgeable. We hope to utilize more of what they have to offer as they are ever expanding their services to clients. We look forward to a long working relationship with them.
    Lydia Guderjahn Children’s Heart Center
    I am a personal Representative for my brother’s estate. I want to thank Distinctive for all that they did in regards to handling Jim’s medical insurance issues. Without their efforts, Jim’s estate would have been wiped out, and his heirs would have been left without anything.
    Jim had experienced several years of extensive illness and had exhausted his lifetime maximum on his health insurance policy. As a result of your tenacious efforts working with Anthem Blue Cross Blue Shield, the insurance company agreed to lift the lifetime cap, and was able to receive the health care that he needed.
    Distinctive spent several months working with the health care providers and insurance company, to keep the dialogue open so that over $10M of medical claims were resolved. Jim’s estate is grateful to Anthem for their compassion in dealing with his medical claims, both Distinctive and Anthem, have demonstrated a high level of professionalism in settling these medical claims.
    It has been a pleasure working with Distinctive Insurance. You are true insurance professionals who have demonstrated that you have made a significant difference in the lives of Jim’s heirs.
    Jim’s medical insurance issues
    Distinctive Insurance has provided my company with outstanding service over the past 5 years. We have recently moved all of our insurance policies over to them and the transition was a very smooth process. Everyone at the office is very helpful – Distinctive Insurance always provides superb customer service!! I highly recommend Distinctive Insurance for all your insurance needs.
    Superb Customer Service

    THOUGHT LEADERSHIP

    Insights

    Property and Casualty

    Umbrella Insurance for Businesses: Peace of Mind in an Increasingly Unpredictable World

    Whereas a skilled agent can help provide businesses with adequate insurance against property losses by following a predictable formula, the unpredictability of liability claims underscores how important it is for businesses to buy as much Umbrella/Excess Liability coverage as they can afford.

    September 18, 2024

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    Property and Casualty

    General Liability Insurance in 2024: Navigating a Complex Landscape

    While some aspects of General Liability Insurance have largely turned a corner from a prolonged hard market, the outlook in other areas looks much less cheery. Overall, the market has finally improved after several challenging years, offering signs of stabilization.

    September 12, 2024

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    Employee Benefits

    Preparing for 2025: Creditable Coverage, Enrolling in Medicare and HSA Contributions

    With significant changes coming in 2025 to creditable coverage determinations, employers and employees may have questions on what that means for them, whether they make the decision to enroll in Medicare Part D or continue to have coverage under their group health plan.

    September 5, 2024

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    Employee Benefits

    Webinar: Better Benefits Administration and Lower Costs

    If you don’t have expert assistance to guide you and your organization in the in using a sophisticated benefits portal, you’re wasting a lot of the money your business has invested — and probably frustrating the employees you mean to serve. Working with a brokerage that offers not only a leading-edge benefits portal but also year-round support and services enables your employees to seamlessly access, understand and navigate the portal, creating a positive benefits experience.

    September 5, 2024

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