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Powers and Associates is an insurance, brokerage and consulting firm specializing in satisfying the employee benefit needs of corporations and personal needs of individuals.

Our objective with businesses is to custom design benefit programs that achieve a critical balance between employee appreciation and cost-effectiveness.

Our aim with individuals is to craft a solution that meets their personal needs with an eye for affordability. 

We believe that achieving the highest levels of success for our clients can only be realized through understanding their needs and challenges and a willingness to bridge the gap between quality and affordability.

We do this through working with employers and employees on cafeteria plans, reinsurance, provider stop losses, communications programs, multi-employer trusts, alternate funding arrangements including HRA,HSA, and FSA, and employee benefit consultations.


We offer companies and individuals medical, life, disability, and dental insurance.



Powers and Associates has been serving the bay area community for more than 20 years. John Powers founded the firm in 1997 and still personally helps clients navigate the ever changing complexities of health care and insurance plans.

We are located at 1625 The Alameda, Suite 201, San Jose, CA 95126

We can be reached by phone at (408)286-9551 or by email at



There are HRA and HSA reinsurance programs for those interested in these.

These help companies lessen the cost of

Mortgage Protection Insurance

Those who have engaged or wish to engage in reverse mortgages may not be aware that there is reverse
mortgage protection for your heirs. This helps protect them from losing the house or property upon death.

The cost for such protection is simple and not unusually expensive. It usually can come out of the draw from
the reverse mortgage without impacting your lifestyle.

Reverse Mortgage Protection

1625 The Alameda, Suite 201 San Jose, CA 95126

Phone: (408) 286-9551

CA Lic # 0623230


Click Here to Find Us

For any general inquiries, please fill in the following contact form:

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