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
Danny Ross
Accounting and Programming
Peggy Ross
Office Manager
Michael Stewart
Property & Casualty Practice Leader
Lance Sullivan
Benefits Consultant
Lance provides employers with the best in employee benefits, strategizing innovative and collaborative solutions to control long-term health care costs.
After earning a BS in Education from Montana State University, Lance began a career in employee benefits spanning over twenty-nine years, starting in October of 1992 in Billings, Montana, and continuing to Wyoming, South Dakota, Florida, and Nevada.
Lance was originally an Air Force veteran from Montana, as well as a Miami Dolphins fan that loves to hike, read and experience new adventures. He and his wife Cynthia (Cyndee) have three children: A 27-year-old son that lives in California, a 26-year-old daughter in Florida, and a 20-year-old son that goes to college in Indiana.
Resources
Portal Resources
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
The 2026 Market Reality: Why Costs Feel Uncontrollable — and Where Leaders Still Have Leverage
A clear map of where leaders can act in 2026 and how to prioritize decisions that move cost and outcomes.
January 22, 2026 at 01:00 pm 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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THOUGHT LEADERSHIP
Insights
Employee Benefits
IRS Releases Guidance Related to Recent HSA Changes
The IRS recently released Notice 2026-5, which provides guidance and answers to common questions related to the expanded availability of health savings accounts (“HSA”) under the Reconciliation Act (previously named the One Big Beautiful Bill Act) passed into law earlier this year.
December 30, 2025
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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
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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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