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.

IRS Announces Increased 2020 HSA Index Figures


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

These help companies lessen the cost of

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.


1625 The Alameda, Suite 201 San Jose, CA 95126

Email: jp@powers.associates
Phone: (408) 286-9551

CA Lic # 0623230


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© 2018 by Powers & Associates. Proudly created By SMC

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