About Our Founder

David Morningstar is widely regarded in the Insurance Industry as the country’s top agent in the field of employee paid supplemental benefits. For 20 years, he has been the top independent producer at every level of sales and management in employee paid supplemental benefits.  He has won every major award in the Supplemental Insurance Field, including Top Producer Awards, Team Building Awards, Diversity Hiring Awards and Training Awards.

Morningstar and his team have helped thousands of companies transition from a “top-down” employer paid benefits package, to a “bottom-up” employee paid benefits package.  He saw how most companies were not properly transitioned from employer paid benefits to employee paid.  He showed his clients that employer paid meant one consumer; where employee paid benefits meant thousands of consumers and they needed to be treated as the consumer.  Individual attention, a plethora of choices (so each employee could tailor a solution to their unique situation), full ownership and control of their choices.  Most importantly, he showed initially skeptical employers that treating each employee as a highly valued individual consumer translated to employee gratitude toward their employer.   That employee paid benefits did not have to be a negative.  That if the execution was done in an exact and precise manner, the company could maximize tax and workman’s compensation savings, while improving morale and increasing retention, all at no cost.

Some prominent projects that The Morningstar Agency has organized and participated in over the years include some of the largest municipalities, hospital systems, and corporate organizations.  He and his team have accounts in nearly every state, among nearly every industry group.