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About Us
We’re Here To Help!
TheBenefits.Guru is an independent, California-licensed insurance brokerage. We believe good advice builds trust, and trust builds a business — so we answer questions honestly, first, and let the rest follow.
Our Team
Two licensed agents, one standard of service
Todd Larner
CA License #0H68659
Todd has been licensed in California since 2009 and works across our entire product line, with particular depth in Covered California and small group. Subsidies are where most people get tripped up: estimating income for a year that hasn’t happened yet, and knowing when an off-exchange plan costs less than the credit is worth. On the group side, he builds and runs the systems that track what a small employer can’t afford to miss — renewal windows, waiting periods, when a new hire’s coverage actually starts.
Trish Amano Larner
CA License #0592307
Trish has been licensed in California for more than four decades, including years spent inside the industry as an internal underwriter and then as a product wholesaler. She works across our entire product line, with particular depth in Medicare and life insurance, and she’s who we turn to when a case gets complicated. Health histories that give other agents pause, situations that don’t fit neatly on a standard application: those are the ones she takes on. Knowing how carriers evaluate risk from the inside tends to help.
Our Approach
How we work
No Added Cost to You
Our commission is paid by the carrier at no extra charge — the premium is the same whether you enroll with us or go direct.
One Team, Every Product
Both agents are fully licensed and knowledgeable across everything we sell, so you get a straight answer from whoever picks up.
Independent & Unaffiliated
We’re not tied to a single carrier — we compare options across the California market to find what fits your situation.
Ask us anything.
Answering questions honestly is the whole business. If you have one, we’re glad to hear it — whether or not it leads anywhere.