Employee & Voluntary Benefits
Insured and self-funded group health, life, dental, vision, disability and voluntary plans designed around your team and your bottom line.
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Michigan Employee & Individual Benefits
Benefits that protect your people and your bottom line.
JPW & Consultants is an independent Michigan insurance agency. For over 20 years, Troy Williams and his team have built employee benefit, Medicare and individual health plans around one principle: compliant, affordable coverage with a real advisor behind it.
20+Years advising Michigan businesses
15+Top carrier partners shopped for you
1Dedicated advisor per client
$0Cost for your consultation
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What we do
Coverage for every stage — business and personal
Three core practices, one standard of service. Whichever you need, you get unbiased advice and a plan built to fit.
Medicare Solutions
Clear, unbiased guidance on Medicare Supplements, Advantage plans and Part D — so you enroll in the right plan the first time.
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Individual & Family Health
Side-by-side comparisons across top carriers for under-65 individuals and families — health, dental, vision, accident and more.
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Why JPW
An independent agency that actually answers the phone.
Most employers don't lose money on benefits because they chose the wrong carrier. They lose it on plans no one revisits and compliance no one tracks. We fix both — and we stay reachable while we do it.
Meet the agency
Independent & unbiased
We don't work for a carrier — we work for you. We shop the whole market to find the best fit, not the easiest sale.
One point of contact
Every client gets a single, dedicated advisor who knows your plan, your people and your history — no call-center roulette.
Compliance built in
ACA, ERISA, COBRA, HIPAA and 5500 filings handled correctly, so a benefits decision never becomes a legal liability.
Cost-controlled strategy
Plans engineered for low cost and tax-efficiency, reviewed every renewal so you never overpay for stale coverage.
Troy Williams
Agency President · 20+ years
Agency President · 20+ years
Our commitment
Trusted counsel, earned one relationship at a time.
Our mission is simple: build lasting client relationships based on trust — earned through wise counsel, positive results, and clear, candid communication.
We act as your advocate, putting your best interests first. Much of the advice we give is offered freely, because a relationship built on service outlasts any single transaction. Our clients span all of Michigan, giving us a sharp feel for the state's insurance landscape.
- Compliance-first plan design
- Low-cost, tax-efficient structures
- Single dedicated point of contact
- Service that exceeds expectations
Carrier partners
We shop the top carriers in Michigan so you don't have to
How it works
A clear path from confusion to confidence
01
Discovery call
We learn your business, your team and your goals — and audit what you have today.
02
Market analysis
We obtain and compare proposals across our carrier partners, then translate them into plain English.
03
Plan & enroll
You choose with confidence. We handle enrollment, compliance and employee communication.
04
Ongoing service
Renewals, claims help, compliance updates and a real person on the phone — all year, every year.
Client stories
Michigan businesses that stay for the long run
Six, nine, ten years and counting. The relationships speak louder than we can.
We have had the pleasure of working with JPW & Consultants for the past six years, and their service has been exceptional throughout. Their expertise, professionalism, and commitment to helping our company navigate health insurance options have made a…
Angelina BihnamManager, JC Title Agency, LLC
Troy has handled my insurance business for 9 years, for my Companies and my Individual insurance. He keeps my Employer group coverages compliant, affordable and well serviced. Highly recommended.
James PalmerOwner, Covenant to Care Inc
Troy and his team are a pleasure to do business with. Not only do they take care of all your insurance needs, they truly care about the health and wellbeing of your staff and your organization. We have worked with them for 6 years now and I would not do…
Ghada AbdallahCEO, Park Pharmacy Inc / Park Consulting & Staffing
Questions, answered
Frequently asked questions
Does JPW & Consultants charge for a consultation?
No. Initial consultations are free and carry no obligation. As an independent agency we're compensated by the carriers, so our guidance comes at no direct cost to you — while our advice stays squarely on your side.
What areas does JPW & Consultants serve?
We're based in Troy, Michigan and serve employers and individuals across the entire state of Michigan, with deep familiarity with the local carrier landscape.
How many employees do we need to offer a group plan?
Group plans are available for businesses of nearly any size, including small groups. We'll review your headcount and goals and recommend the most cost-effective structure — fully insured or self-funded.
Can you help with Medicare and individual coverage too?
Yes. Alongside employer group benefits, we advise individuals on Medicare Supplements, Medicare Advantage, Part D, and under-65 individual & family health plans.
No cost, no obligation
Let's build benefits worth keeping.
Tell us about your business or your coverage needs. Troy Williams and the team will get back to you quickly — at no cost and no obligation.