May 2, 2014
To whom it may concern: I am happy to write this letter of recommendation for Tim DeRosa and his staff at Business Benefits, Inc. I originally met Tim when we started our business in 1983 and we have had a continuous business relationship ever since. I realized very early on that Tim was honest, sincere, hardworking, tenacious, and trustworthy. Tim and his staff have always put us first and represented our interests with the utmost integrity. He and his staff have truly been partners in our business by helping us provide various forms of insurance including health, life, dental, and vision. They have also helped install a very successful 401k benefit program and employee assistance plan. They have always been able to achieve that balance of employee satisfaction while being able to satisfy company ownership and the bottom line. At times, that is no easy task, but they always seem to make it happen. Without hesitation, I highly recommend Tim DeRosa and Business Benefits, Inc. They will absolutely be an asset to your business!!

May 25, 2014
To Whom it May Concern: There is nothing worse than having to bid health insurance every year and especially now with the Affordable Care Act. Thirteen years ago one of our new Executives said I should try Tim DeRosa and Business Benefits Inc. He handled their insurance with the School Districts Supervisors Union and was pretty good. Pretty good was an understatement. I listened to his sales pitch and knew I had to have this guy. I have never looked back and no longer have to listen to sales pitch's every year. Tim and his Company deliver everything they say they will. He has and continues to go far beyond in his delivery of customer service. When our employees have a problem his team handles it. If you want the definition of customer service in the health insurance industry all you need to do is become a member of the Business Benefits Family. Tim has not only been our agent but has become our friend. Right now my biggest problem is keeping this recommendation to one page. THANK YOU Tim and your BB Team for all you do for us. There is no other health insurance agent I could recommend except Tim DeRosa and Business Benefits Inc.

May 1, 2014
I'm writing this letter to memorialize the service you, as our insurance broker, have provided to Steinberg Diagnostic for the past 10+ years. You have been our advocate in negotiations with insurance companies for all of our healthcare benefits. You have helped SDMI create innovative programs for our staff while ensuring a cost savings for the business. Your follow-through and organization have proven invaluable. We appreciate your diligence and sincerity. Our relationship is an asset. Please feel free to use this letter as a reference. Additionally, I would be happy to speak with any potential clients, if needed. I have no reservations about recommending you as a broker of record to anyone who might inquire. I can be reached by calling (702) 240-1232. Again, thank you for your hard work and efforts. Sincerely Yours,

February 10, 2010
To Whom It May Concern; SPORTS Physical Therapy has utilized Business Benefits as our broker for the past several years. They have negotiated health benefit contracts with a variety of health care providers. These contracts include health and dental benefits for the employees of SPORTS. In addition they secured a 4011(plan. for the company that has exceeded our expectations. In the capacity of Broker for SPORTS Business Benefits has always demonstrated a high level of technical expertise regarding issues and trends in various health related fields. They have always taken the time to understand our specific needs while always looking far the best coverage for the lowest rates. They are also very helpful in resolving any claim or billing issues. We also utilize Business Benefits for our corporate business policies. These include our General Liability, Property and Professional Liability. They are always willing to go the extra mile to insure we have the very best coverage to protect our company and to let us know of any upcoming changes we may encounter. Business Benefits has a very high level of respect within the insurance industry. They have established excellent working relationships with others and as a result, have developed an enhanced ability to resolve problems, issues and concerns for our organization as well as for individual members within the organization. I would highly recommend Business Benefits for all of your insurance and benefit needs. Anyone who wants an exceptional negotiator on their team should look to Business Benefits. Sincerely,

May 17, 2014
To whom it may concern: This letter is to commend Tim DeRosa and his staff at BBI for outstanding service to me personally and to my many business ventures over the past 25+ years, including EA's (ERTS) Westwood Studios, IAC's (IAC) Instant Action and Telling Investments. Tim and his exceptionally well-trained staff have helped me, my companies and those whom I have referred get the best pricing for the maximum benefits in virtually all areas of insurance and business benefits year after year. Tim and BBI's advocacy for claims, personal attention and highest ethical standards have greatly benefited to my staff entrusted to him and his firm. Tim and BBI's dedication to keeping their clients up to date on changing laws and regulations as well as their constant review of new potential products to enhance benefits or save money have been an invaluable asset as I built and operated my companies over the years. I recommend Tim and BBI whole-heartedly and unconditionally, as I have for decades, and would be happy to answer any questions regarding their service and dedication to their clients. Sincerely,