Better Benefits. Stronger Businesses.
Strategic benefits solutions that help employers control costs, support employees, and simplify administration.
Benefits Expertise. Personalized Service.
At LD Insurance Services, we make employee benefits easier to understand and manage. With decades of industry experience, we provide personalized guidance, strategic plan design, and hands-on support—helping employers control costs while delivering benefits their employees value.
Employee Benefits Solutions
Comprehensive employee benefit solutions tailored to your company, your employees, and your goals.
Medical Insurance
HMO, PPO, HSA-compatible and other plan options from leading carriers, strategically designed to balance comprehensive coverage with cost.
Dental & Vision Insurance
Comprehensive dental and vision plan options that help employers provide valuable, affordable coverage for employees and their families.
Life & AD&D Insurance
Employer-paid life and accidental death & dismemberment coverage designed to provide employees and their families with added financial protection.
Voluntary Benefits
Supplemental benefit options that allow employees to customize their coverage based on their individual needs, often at no additional cost to the employer.
Benefits Administration & Technology
Streamlined benefits administration and enrollment technology designed to simplify HR processes and improve the employee experience.
Compliance Support
Guidance and support with ACA, COBRA, ERISA and other employee benefits compliance requirements to help employers stay informed and prepared.
Employee Education & Enrollment
Clear, personalized employee communication and enrollment support to help employees understand their benefits and make confident coverage decisions.
Ongoing Client Support
Dedicated, year-round support for employers and employees, including benefit questions, carrier assistance, claims issues and ongoing plan administration.
A Better Benefits Partnership
At LD Insurance Services, we believe employee benefits should come with more than a policy. They should come with a trusted advisor who understands your business, advocates for your employees, and remains accessible throughout the year.
Independent Guidance
Recommendations based on what is right for your company.
Personal Attention. Proven Experience.
LD Insurance Services combines decades of employee benefits expertise and carrier resources with the personalized service and accessibility of an independent brokerage.
Personalized Service
Responsive, hands-on support from a benefits professional who knows your business.
Year-Round Partnership
Ongoing support for your benefits program throughout the year.
Benefits Built Around
Your Business.
Every organization is different. LD Insurance Services develops benefit strategies tailored to your company, your employees, and your goals—backed by experienced guidance and year-round support.
Experience You Can Trust
For decades, LD Insurance Services has helped employers navigate the changing employee benefits landscape. Our experience, carrier relationships, and personalized approach allow us to develop thoughtful benefit strategies while advocating for our clients every step of the way.
36+ Years
Employee Benefits Experience
Strategic Guidance
Benefit strategies designed around each employer’s unique needs, goals, and budget.
Carrier Advocacy
Strong representation and negotiation with leading insurance carriers.
Year-Round Support
Responsive, hands-on assistance for employers and employees throughout the year.
A Simple, Strategic Approach
From initial strategy through enrollment and ongoing support, we make managing employee benefits easier for you and your employees.
01
Listen & Understand
We begin by learning about your company, your employees, your current benefits, and your goals.
02
Design & Market
We develop a benefits strategy and market your program to leading carriers to identify competitive options.
03
Review & Recommend
We evaluate the options, negotiate with carriers, and present clear recommendations based on your goals and budget.
04
Implement & Enroll
We coordinate implementation, employee communication, and enrollment to ensure a smooth transition.
05 — Ongoing Partnership
Our service doesn’t end at enrollment. We provide year-round support for benefit questions, carrier issues, claims assistance, compliance guidance, and ongoing plan administration.
Employee Benefits Solutions
Comprehensive employee benefit solutions tailored to your company, your employees, and your goals.
Medical Insurance
HMO, PPO, HSA-compatible, and other plan options from leading carriers, designed to balance comprehensive coverage with cost.
Dental & Vision Insurance
Dental and vision plan options designed to provide employees and their families with valuable, affordable coverage.
Life & AD&D Insurance
Employer-paid life and accidental death & dismemberment coverage designed to provide employees and their families with added financial protection.
Voluntary Benefits
Additional employee-paid benefit options that give employees greater flexibility to customize coverage based on their individual needs.
Benefits Administration & Technology
Streamlined benefits administration and enrollment technology designed to simplify HR processes and improve the employee experience.
Compliance Support
Guidance and support with ACA, COBRA, ERISA, and other employee benefits compliance requirements to help employers stay informed and prepared.
Employee Education & Enrollment
Clear, personalized employee communication and enrollment support to help employees understand their benefits and make confident coverage decisions.
Claims & Ongoing Support
Year-round assistance with benefit questions, carrier issues, and claims to ensure employees and employers receive responsive, personalized service.
Technology That Simplifies Benefits
Modern benefits technology makes enrollment and administration easier for employers and employees.
Employee Navigator
LD Insurance Services provides clients with access to Employee Navigator, a powerful benefits administration platform designed to simplify enrollment, eligibility management, employee communication, and ongoing plan administration.
Online Enrollment
Employees can review plan options and make benefit elections through an easy-to-use online platform.
Eligibility & Plan Management
Centralized benefit information helps simplify eligibility, plan changes, and ongoing administration.
Employee Communication
Employees have convenient access to benefit information and resources throughout the year.
Simplified Administration
Helps reduce paperwork and simplify ongoing benefits administration.
Service That Goes Beyond Enrollment
Our relationship with clients continues throughout the year—not just during enrollment or at renewal.
From employee benefit questions and claims issues to carrier assistance and ongoing plan administration, LD Insurance Services provides responsive, hands-on support throughout the year.
Claims Assistance
We help employees navigate claims questions and work with carriers to resolve issues.
Ongoing Plan Administration
Support with eligibility, benefit changes, carrier questions, and day-to-day plan administration.
Employee Support
Employees have a knowledgeable resource to turn to when they need help understanding or using their benefits.
Renewal & Carrier Support
We assist with carrier questions, renewal planning, employee communications, and benefit changes throughout the year.
Why Employers Choose LD Insurance Services
Personalized service, experienced guidance, and an advocate you can count on.
01
Personalized Service
You work directly with an experienced benefits professional who understands your business, your employees, and your goals.
02
Proactive Guidance
We stay ahead of renewals, market changes, and benefit challenges so you can make informed decisions.
03
Carrier Advocacy
We leverage our carrier relationships and industry experience to negotiate competitive options and advocate for our clients.
04
Responsive Support
When questions or issues arise, you have direct access to a knowledgeable benefits professional who knows your account and is ready to help.
What Our Clients Say
Trusted relationships built on service, experience, and results.
“Lucy has been our company’s trusted employee benefits consultant for more than 20 years, and I truly can’t imagine trusting anyone else with my insurance and benefits. From the very beginning, she has always made me feel like more than just a client. She genuinely cares about our company’s well-being and has consistently been there to guide us through every stage of the market.”
Mary Tran
Vice President
Creative Behavior Interventions
“I have had the pleasure of working with Lucy De Castroverde at multiple companies as our employee benefits broker, and I highly recommend her. Lucy’s knowledge of the employee benefits marketplace, her strategic guidance, and her commitment to always going above and beyond to find cost-effective solutions have been invaluable to the employees and organizations she has served.”
Susan Worthington
Sr. Human Resources Manager
Copan Diagnostics
“There is a reason we have partnered with LD Insurance Services for the past six years—the service is truly second to none. Throughout our relationship, Lucy has consistently demonstrated an extraordinary level of commitment to our company and our employees. We have never worked with a benefits consultant like Lucy.”
Brett Blanchard
Partner
H2GO Express
Let’s Build Better Benefits Together
A benefits strategy should work for your company, your employees, and your budget.
Ready to Explore Your Options?
Whether you’re reviewing your current benefits, preparing for an upcoming renewal, or exploring new options, let’s talk about how LD Insurance Services can help.
Lucy De Castroverde
President
LD Insurance Services LLC
(951) 698-5077 Direct
(714) 654-9075 Mobile
LDISINS@gmail.com
California License #0B17364