Applefield-Hughes is a full service Insurance Provider. Call us at 619.692.3750


A Client-Centric Process Refined Over Time

Our firm was founded on the principles of providing outstanding service, working hard to earn the trust of our clients and always acting with the highest integrity on their behalf.

As we have grown and evolved over the decades, we have developed a process that weaves together our philosophies and actions, so each client we serve receives the same quality care on which our reputation is built.

Our process involves the following:


  • Gather feedback from our clients and prospects regarding their last plan year experience
  • Evaluate Employers & Employees needs and objectives for the upcoming plan year

Review Marketplace

  • Seek out proposals from the major carriers in the marketplace
  • Assess and analyze how their current benefits compare within the marketplace

Design a Solution

  • Develop a strategy to meet management’s needs & objectives
  • Present solutions and rationale to management


  • Enrollment Meeting with Staff to educate them on their benefits, assist staff with enrollment form, and plan selection, submit thorough case to underwriting
  • Follow the case through underwriting for a timely approval


  • Make sure the plan year runs smoothly
  • Alleviate administrative burden, take on claim & billing issues, new hire enrollments & employee terminations, order ID cards, assist with compliance issues, etc

Why Applefield-Hughes?

Clients appreciate the expertise our firm, which is confirmed by our frequent appearances serving as an expert source for legal proceedings involving insurance.