Employee Benefits
Supporting El Segundo Teams with Zero-Cost Voluntary Benefits
Boost your El Segundo team's security with Colonial Life voluntary benefits at no cost to your business. Learn about our on-site enrollment process.
2 min readRead
NEW PARTNERSHIP
HWLF HAS PARTNERED WITH UFC GYM | TORRANCE
To better serve our clients, we're combining forces to holistically improve functional fitness, recovery, nutrition, and supplementation.
I'M A...
COLONIAL LIFE VOLUNTARY BENEFITS · ZERO EMPLOYER COST
PROTECT YOUR TEAM.
SPEND NOTHING.
RETAIN EVERYONE.
VOLUNTARY BENEFITS THAT COST YOUR BUSINESS $0.
Trusted guidance. Zero employer premium. Stronger retention.
Offer your employees accident, disability, cancer, and life insurance at absolutely no cost to you — payroll-deducted, on-site enrolled, and backed by Colonial Life. One meeting. Zero paperwork headaches.
$0
Employer Cost
50+
South Bay Businesses Served
6
Voluntary Benefit Types
24hr
Enrollment Setup Time
WHAT WE DO
THE 4 PILLARS OF TOTAL WEALTH & WELLNESS
Each pillar strengthens the others. Financial protection reduces stress. Fitness reduces healthcare costs. Corporate wellness builds loyal teams. Together, they create a complete life strategy.
COLONIAL LIFE · PILLAR 01
Employee Benefits
Protect your team without touching your budget.
We partner with Colonial Life to offer voluntary benefits — accident, disability, cancer, hospital indemnity, and life insurance — at zero direct cost to employers. Employees get financial protection; you get a stronger retention tool.
- ✓ 100% Voluntary — no employer premium
- ✓ Payroll-deducted for easy administration
- ✓ On-site enrollment support included
- ✓ Colonial Life-licensed broker
WEALTH STRATEGY · PILLAR 02
Individual Financial Protection
Close the gaps your employer plan leaves behind.
Most group plans cover far less than people realize. We help individuals build a personal safety net with supplemental insurance, life coverage, and debt-reduction strategies — so a health crisis doesn't become a financial one.
- ✓ Supplemental insurance tailored to your life
- ✓ Life insurance for income replacement
- ✓ Debt snowball & financial gap analysis
- ✓ Independent advice, not tied to one carrier
WELLNESS COACHING · PILLAR 03
Health & Fitness Coaching
Physical health is your greatest financial asset.
We integrate health and fitness coaching into our holistic advisor model because physical resilience directly reduces your healthcare costs, insurance risk, and sick days. A healthier team is a more profitable team.
- ✓ Personalized wellness goal setting
- ✓ Nutrition & recovery guidance
- ✓ Corporate team wellness programs
- ✓ Fitness-to-finance connection strategy
TRIPLE THREAT B2B · PILLAR 04
Corporate Wellness
Healthy employees. Lower premiums. Better retention.
Our Triple Threat package combines benefits enrollment, fitness incentives, and wellness auditing into one comprehensive corporate program. We help HR leaders reduce absenteeism and build a culture employees want to stay in.
- ✓ Corporate gym membership partnerships
- ✓ Wellness audit & benefits gap report
- ✓ On-site fitness & stress-reduction events
- ✓ Reduced premium risk through prevention
OUR STORY
WHY HEALTH, WEALTH, LIFE & FITNESS — TOGETHER?
Most advisors pick a lane — insurance, fitness, or finance. We saw the bigger picture. A family without disability coverage can be one accident away from losing everything, no matter how fit they are. And the fittest employee burns out fastest without financial security.
That's why HWLF.NET exists: to be the one advisor who helps you build all four pillars of a truly protected life. We work at the intersection of financial security, physical wellness, and corporate strategy — because they are inseparable.
Based in El Segundo, CA, we serve the entire South Bay as an independent agent with contracts across 15+ top-rated carriers. From Colonial Life Employee Benefits & Corporate Wellness to individual life and supplemental insurance, our B2B corporate wellness consulting ties every service together — by design.
✓
Colonial Life Licensed Broker
Voluntary benefits at zero employer cost
✓
Independent Agent — 15+ Carrier Contracts
Access to top-rated carriers for the best fit product
✓
Financial Protection Advisor
Supplemental insurance & income protection
✓
Corporate Wellness Consultant
Triple Threat B2B audits & enrollment strategy
THE HWLF ECOSYSTEM
01
Employee Benefits
Voluntary insurance = financial peace of mind
02
Individual Finance
Gap-filling coverage + income protection
03
Fitness Coaching
Physical health reduces insurance risk & costs
04
Corporate Wellness
Ties all 3 pillars into one B2B offering
ONE ADVISOR · ONE STRATEGY · TOTAL PROTECTION
CARRIER PARTNERS
15+ Carrier Partnerships & Dozens of Products
As an independent agent, I'm not captive to any single carrier. That means I find the right product for your situation — not the one I'm required to sell.
American Amicable
Mutual of Omaha
GPM Life
Foresters Financial
CVS Health / Aetna
Americo
Ethos
Transamerica
Ameritas
Athene
National Life Group
American Equity
Gerber Life Insurance
Columbia Life Insurance
Lafayette Life Insurance
F&G Annuities & Life
Corebridge Financial
Oxford Life Insurance
North American
Royal Neighbors of America
INDEPENDENT · UNBIASED · CLIENT-FIRST
Not captive. Not limited. Always on your side.
As an independent agent, I shop across all my carrier contracts to find you the best rate, the best coverage, and the best fit — without any obligation to push a single company's products.
FREE — NO OBLIGATION
GET YOUR FREE BENEFITS GAP REPORT
In 2 minutes, discover exactly what coverage your team is missing and what it could cost you. No sales pitch — just clarity.
STEP 1 OF 3
Let's start with your info
We'll send your personalized report here.
✓ No spam, ever✓ Responds within 24hrs✓ No employer cost for voluntary benefits
RESOURCES & INSIGHTS
THE HWLF KNOWLEDGE BASE
One story from each pillar — rotating daily through our latest guides.
30+ articles · Updated dailyView All
Individual Financial Protection
Closing the Gaps in Your South Bay Personal Financial Plan
Don't let unexpected medical costs derail your future. Learn how supplemental insurance and life coverage protect South Bay families.
2 min readRead
Health & Fitness Coaching
Integrative Fitness: Where Strength Meets Financial Health
Discover our partnership with UFC GYM Torrance. We combine combat-inspired fitness with financial resilience to help you thrive in the South Bay.
2 min readRead
Corporate Wellness
The Triple Threat: Elevating Corporate Wellness in the South Bay
Our Triple Threat B2B program offers voluntary benefits, gym access, and wellness audits to improve employee retention and health in the South Bay.
2 min readRead