About Us

Afoa Insurance is an independent, woman-owned and family-operated agency dedicated to serving our clients — who we treat like family. Founded by Laura Afoa in 2010, our San Francisco Bay Area team specializes in group benefits and health insurance, delivering the premium, high-touch service you deserve. With decades of industry experience, we take the time to understand your needs and guide you to coverage that gives you peace of mind. Whether you have questions about your current benefits or are exploring new options, we're here to help.

About Afoa Insurance

We are dedicated to providing premium, high-touch service to every client, regardless of project size. We treat our clients like family, ensuring a personalized approach and unmatched attention to detail at every step.


Laura established Afoa Insurance in 2010 to provide hands-on services to clients & has been running ever since! She prides herself on her firsthand approach and truly cares about her client partners.  She is a San Francisco Bay Area native with more than 40 years in the insurance industry, and 25 years spent on the brokerage side specializing in group benefits.

Developing trusting relationships has been her key to success followed up with a consistent & dependable work habit.

Our Motto


"We take care of our clients as we do our own family."

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To alleviate stress from your workload, acting as an extension of your company.

By developing trusting relationships, we help companies discover cost-saving opportunities while maintaining integrity and compliance.

Meet Our Dedicated Team

Meet our dedicated team of experienced insurance brokers. We work together to alleviate stress from your workload, and act as an extension of your team. Service and relationships are at the heart of what we do.

Laura Afoa

Owner
GBA, RPA, CEBS

A San Francisco Bay Area native with more than 40 years in the insurance industry, with 25 years spent on the brokerage side specializing in group benefits.


Laura established Afoa Insurance in 2010 to provide hands-on services to clients & has been serving clients ever since! She prides herself on her firsthand approach and truly cares about her client partners.


"We take care of our clients as we do our own family" is one of her mottos, which has been a key to her success.


Laura has her Group Benefits Associate (GBA) designation and recently earned her Certified Employee Benefits Specialist (CEBS) designation from the Wharton School of the University of Pennsylvania.


Developing trusting relationships has been her key to success followed up with a consistent & dependable work habit.


Laura spends some of her time outside of work sponsoring and participating in women's & co-ed softball leagues.

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Danielle Moreno

Senior Account Executive

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Simala Skivington

Account Manager

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Gloria Tupuola

Account Manager

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Concetta Morbioli

Executive Assistant

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Summary of SERVICES

What We Offer

Group Benefits

Fully-Insured Plans

Level-Funded Plans

Self-Funded Plans

HRAs

Group Supplemental

Health Insurance

ACA Health Plans

Dental & Vision Plans

Serving Northern California — and other states as requested.

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Service Area

Proud to call California Home

Afoa Insurance serves communities across California, and can support businesses all across the United States.