President CLTC, MDRT, National Group Leader

Stephen DeMaria has been in the insurance business for over 30 years. He is a 3rd generation insurance agent that started his career with New York Life Insurance Company and is currently a senior NYLIC with the company. As a member of the “million dollar round table”, he has been a leader in the health insurance business for over 30 years.

Stephen DeMaria Graduated from CUNY in 1970. Entered the insurance industry in 1987. Worked with law enforcement organizations across the country putting together their ancillary & supplemental insurances. Worked with Union, Non-Union, For-Profit, and Not-For-Profit organizations as well. He has created a new approach to employee benefits that allow the organization to have full control over their benefit costs and design  Specializing in the implementation of Self- Insured health plans while resourcing the right people and companies that work best for their clients’ needs.

Vice President & CFO

Joseph Pernice started his career in Public Accounting, working as an auditor for KPMG, and went on to work in tax with a smaller firm. After years of service, he transitioned to the insurance industry partnering up with Stephen DeMaria. He has built a solid foundation in both life and health insurance. Joseph focuses on serving the law enforcement community in the NY Metro area and across the country.

Joseph Graduated from Wagner in 1997. Worked for some of the largest CPA firms, including KPMG. Specializing in securing Liability/Property D&O, E&O, Malpractice, and EPLI insurances for mid-range companies. Unparalleled attention to detail started our UBenefit™ division, which allows former employees/members that have lost or had a reduction in benefits to retain most of what they lost. this has been accomplished through negotiations with some of the largest carriers and providers in the country.