If you are interested in learning more about FJM & Associates or would like to discuss adding to or enhancing your current Employee Benefits Program, please complete the form at the bottom of this page.
Welcome to FJM & Associates of Buffalo, Inc.
'Your First Choice for Insurance & Employee Benefits'

The events of the past few years have reinforced the point that Major Medical Insurance was designed to help make sure that in the event of an unexpected Injury or Illness, your Doctor, Hospital or Medical Facility would be compensated for providing the vital treatment necessary for you or your loved ones.

However, even the best plans may pay only a portion of the actual costs of this treatment, leaving you to deal with the Financial Burden caused by CoPays, Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages and Final Expenses. 

Recently, many of the products and services that we utilize today have experienced a larger than usual spike in costs and the ones mentioned previously are no exception! The rapid increase in wages in many sectors and the continued Work from Home scenario have also contributed to our current WorkForce ​situation.

Whether you are a Business Owner, looking to attract and retain Quality Employees or an Insurance Agent or Broker who wants to offer a competitive portfolio of Insurance & Employee Benefits to your Valued Clients, it is important that you offer a Benefits Package that has the flexibility to meet their particular needs.

An effective Communication and Education program, along with Personalized Enrollment Meetings and on-going Follow-up and Claims Assistance, goes a very long way in keeping your employees or clients Motivated and Involved.

Our highly experienced team of Benefits Specialists here at FJM & Associates has spent the past 25+ years in the Insurance & Employee Benefits Field with a concentration in the Voluntary Benefit Market (a/k/a - Supplemental Insurances).

Supplemental Insurances are unique programs designed to provide Pre-Arranged, Cash-Dollar Payments directly to the Insured (based on specific events or treatments), that may be used any way they see fit.

​As Independent Brokers, we have access to all the major carriers in this market and we are very sensitive to the needs of our Clients, their Families and their Employees. Our vetting process is geared toward finding Companies and Products that not only work well independently,  but also complement and/or enhance existing programs.

Colonial Voluntary Benefits (offered through Colonial/Paul Revere Life) produces some of the most innovative, cost-effective products available today.  We are honored to partner with them to offer these products to our current and future clients.  

​(Select any one of the graphics below to see a brief outline of Voluntary Benefits Products Offered Through Colonial Life.)

If you are a Business Owner who would like to discuss which current programs may be right for your Company, or you are an Independent Agent or Broker with questions on creating or enhancing your Employee Benefits Portfolio through a Strategic Alliance with FJM & Associates of Buffalo Inc., complete the 'Info Request' form below and select 'Submit'.

Please be sure to include: Company or Agency Name, your Position/Job Title, along with the Best Time to Call in the dialogue box and one of our FJM & Associates Benefit Specialists will reach out to you to schedule either an in-person or virtual appointment. 

    FJM & Associates Info Request