Our Agency

Providing Competetive Coverage of Group Medical and Dental Insurance Plans

Financial Planning Concepts, Inc. was established in 1968 and we have worked with group medical and dental plans for the last 40 years. We have the knowledge and experience to do an expert job for you in rate negotiation.

What We will do as Your Agent


As your Agent

Facts show that medical costs/rates have increased at an alarming rate of 12% annual average.


At Financial Planning Concepts, Inc. our negotiating skills result from years of experience and study of insurance companies price/rate trends, cycles, and insurance underwriter behavior patterns. As your agent, we will use our knowledge and experience to reduce your rates in most cases by quoting all plans that you are eligible for and negotiating with your existing plan carrier. We will analyze your plan design, receive all the eligible quotes, prepare analysis and negotiate with your existing plan carrier to reduce rate increases.

We also assist you with DOL and the SPD (Summary Plan Description) and the Summary Annual Report required by the Affordable Care Act.

We start our work 4 months prior to your plans renewal. We do not charge fees for our services, we are paid by the insurance carriers.

New York Skyline


Who we Accommodate

Our agency provides services for all types of industries. We primarily work with employers of 25 to 1000 enrolled employees and have the capacity to work with larger groups including Self Funding Arrangements.

Two Men Shaking Hands

 Financial Planning Concepts, Inc. Team


Jay Blakley  Founder

CLU, Rate Negotiation, DOL/IRS Compliance, Plan Design


Stephanie Norton

Plan Design

Insurance Carrier: Consultation, Quoting, and Employee Claims Negotiation

DOL/IRS Compliance, Analysis Reports


Diana Blakley

Marketing, Plan Administration, Customer Service

Analysis Reports


Kerry Rogel

New Client Marketing / Consultation



Please feel free to contact us with any questions you may have regarding scheduled appointments, agency services,  or plan information. Our Office customer service will assist you by phone at (360) 825-5639 or by email.

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