Business Details
44 Years
experience
Your Trusted Insurance Partner in Honolulu
Founded in 1982, PSH Insurance operates as an independent health and life insurance brokerage firm dedicated to serving Hawaii businesses and individuals. Our approach prioritizes client needs through a commitment to ethical standards, professional certifications, and partnerships with over 40 high-quality insurance carriers. We specialize in designing benefit solutions that reduce overhead costs while enhancing employee recruitment and retention through tailored programs.With a team holding designations like Chartered Life Underwriter and Certified Financial Planner, we combine decades of local expertise with national industry involvement to advocate for clients throughout their benefit plan lifecycle. Our services extend beyond traditional insurance to include retirement planning, long-term care, and specialized products for small-to-mid-sized groups, reflecting our philosophy of viewing clients as partners in achieving mutual success.
Services
Health Insurance Brokerage
Life Insurance Solutions
Retirement Plan Design
Long-Term Care Insurance
Employee Benefits Consulting
Individual Insurance Plans
Group Medical Programs
Disability Coverage
Medicare Supplement Plans
Business Continuation Insurance
Details
- Year established: 1982
Highlights and features
- We offer 40+ years of Hawaii-specific insurance expertise since 1982
- Our team holds advanced certifications including Chartered Life Underwriter and Certified Financial Planner
- We represent all major Hawaii medical carriers plus 80+ product lines
- Our partnership approach focuses on long-term client advocacy beyond policy sales
- We maintain strict independence to recommend only top-rated 'A' or better carriers
Services
Health Insurance Brokerage
We connect businesses with top-rated health insurance carriers through unbiased brokerage services. Our experts analyze organizational needs to recommend cost-effective group medical plans from all major Hawaii providers. With access to 40+ carriers, we implement customized solutions that balance comprehensive coverage with affordability while providing ongoing plan administration support.
Life Insurance Solutions
Our life insurance offerings include whole, universal, and term policies tailored to individual and business needs. We provide survivorship coverage, key man insurance, and business continuation plans with flexible premium options. Our specialists help clients select policies that build cash value while meeting protection goals through carriers rated 'A' or better by major rating agencies.
Retirement Plan Design
We develop customized retirement solutions including 401(k), 403(b), and profit-sharing plans. Our consultants design programs that attract talent while meeting regulatory requirements, with options for voluntary employee contributions and employer matching structures. We also offer annuity products for supplemental retirement income planning.
Long-Term Care Insurance
Our long-term care policies help protect against chronic illness or disability expenses through comprehensive coverage options. We offer individual and group plans that cover home care, assisted living, and nursing facility costs, with policy features like inflation protection and shared benefits for couples.
Employee Benefits Consulting
We provide strategic benefits consulting to optimize total compensation packages. Services include voluntary benefits programs, cafeteria plan design, and compliance assistance. Our team helps employers implement wellness initiatives, Medicare transition programs, and specialized coverage like business travel accident insurance to meet diverse workforce needs.
People
Arnold S. Hirotsu
President
Certified financial planner with 45+ years Hawaii insurance experience since 1976. Holds Chartered Life Underwriter and Chartered Financial Consultant designations. Specializes in executive compensation and estate planning while leading PSH's strategic direction.
Gary C. Yanagihara
Executive Vice President
Insurance professional since 1976 with Chartered Life Underwriter and Long Term Care Professional certifications. Founded Hawaii's National Association of Health Underwriters chapter. Focuses on retirement plan design and senior market development initiatives.
Kevin K. Kishimori
Employee Benefits Consultant
Certified life underwriter with 30+ years experience since 1991. Specializes in group medical plans and disability insurance. Holds Chartered Financial Consultant and Registered Health Underwriter designations while managing complex employee benefit programs.
Catherine M. Akau
Employee Benefits Consultant
Former Kaiser Permanente account manager with business administration degree. Focuses on group medical/dental plans and self-insured drug programs. Provides tailored benefits solutions while serving on Associated Builders and Contractors Hawaii Chapter board.
Sherri Lynn Ablao
Employee Benefits Consultant
Health insurance specialist with 25+ years experience since 1997. Certified Employee Benefits Consultant focusing on voluntary benefit programs and individual life/health plans. Applies expertise from Hawaii Dental Service background to comprehensive benefits strategies.
Questions
What types of insurance do you offer?
We provide health, life, disability, long-term care, retirement plans, and employee benefits for businesses, plus individual policies including Medicare supplements and critical illness coverage.
Do you work with small businesses?
Yes, we specialize in small-to-mid-sized groups and offer tailored solutions through 40+ carriers, including customized Section 125 plans and self-insured drug programs.
Are you independent from insurance companies?
Yes, as an independent brokerage we're not tied to any single carrier, allowing unbiased recommendations based solely on client needs and carrier quality ratings.
Do you offer international coverage options?
Yes, we provide international medical plans for U.S. residents traveling abroad and foreign visitors to the United States through select carrier partnerships.
What makes your employee benefits approach unique?
We combine local market expertise with national product access, offering over 80 product lines while maintaining post-sale advocacy and comprehensive HR consulting services.
