Why Choose R&B Insurance Services?
With over 75 years of combined benefits experience among our partners, R&B has become a trusted partner to hundreds of business clients.
When selecting an insurance partner, you deserve a company that has your best interests at heart.
We keep things simple! Our commitment is to always do what’s best for our clients. We start by “listening” to you so we may understand the specific needs of your company and your employees.
We represent a variety of insurance carriers. This allows us to shop for the best industry solutions possible at the lowest cost. Employees are happier and more productive when they’re being offered the best available and most cost effective benefits.
The enrollment process is designed to work with you and provide minimal disruption and create enthusiasm and excitement for the new benefits you are providing.
Doing the right thing for our clients is our commitment to you always receiving the best!
R & B Insurance Services LLC: Providing Outstanding Service and Superior Coverage
Our clients have so many great things to say.
We know what you need to have the best possible outcome.
“R&B Insurance Services has been responsive to the needs of our Benefits Team and our employees. R&B Insurance Services took the time to talk to our employees directly on an as needed basis if they had questions or concerns about this new benefit offering. They partnered with us on communications efforts, bringing professional tools and materials forward for our use."

Kim Mann
Employee Benefits Manager
Penn State Health
“What stood out most about R&B was their exceptional customer service. Whatever the issue, they always respond in a timely manner. The transition from our previous provider to R&B was smooth for our employees as well.”

Kim Bilbow
Human Resources Manager
Wyoming Valley Sanitary Authority
“This month, we were able to save one of our clients and their employees 50% on their benefits cost (with better coverage) through our partnership with R&B Insurance! If you're looking to save in this area, while continuing or improving your level of coverage, we can't say enough about the organization. The customized care they provide for our HIHR Team and those in our community is incredible.”
Erika Butler
CEO
Higher International Human Resources
“The biggest reason to use R & B? Knowledge and experience! Can't think of a better one!”
Dave Cavanaugh
With over 75 years of combined benefits experience among our partners, R&B has become a trusted partner to hundreds of business clients.
When selecting an insurance partner, you deserve a company that has your best interests at heart.
We keep things simple! Our commitment is to always do what’s best for our clients. We start by “listening” to you so we may understand the specific needs of your company and your employees.
We represent a variety of insurance carriers. This allows us to shop for the best industry solutions possible at the lowest cost. Employees are happier and more productive when they’re being offered the best available and most cost effective benefits.
The enrollment process is designed to work with you and provide minimal disruption and create enthusiasm and excitement for the new benefits you are providing.
Doing the right thing for our clients is our commitment to you always receiving the best!
Our clients have so many great things to say.
We know what you need to have the best possible outcome.
“R&B Insurance Services has been responsive to the needs of our Benefits Team and our employees. R&B Insurance Services took the time to talk to our employees directly on an as needed basis if they had questions or concerns about this new benefit offering. They partnered with us on communications efforts, bringing professional tools and materials forward for our use."
Kim Mann
Employee Benefits Manager
Penn State Health
“This month, we were able to save one of our clients and their employees 50% on their benefits cost (with better coverage) through our partnership with R&B Insurance! If you're looking to save in this area, while continuing or improving your level of coverage, we can't say enough about the organization. The customized care they provide for our HIHR Team and those in our community is incredible.”
Erika Butler
CEO
Higher International Human Resources
“What stood out most about R&B was their exceptional customer service. Whatever the issue, they always respond in a timely manner. The transition from our previous provider to R&B was smooth for our employees as well.”

Kim Bilbow
Human Resources Manager
Wyoming Valley Sanitary Authority
“The biggest reason to use R & B? Knowledge and experience! Can't think of a better one!”
Dave Cavanaugh
Our Partners
Our Partners
Fred & Michelle Reeder
President & VP of Sales
Fred and Michelle Reeder live in Lock Haven, Pennsylvania. They are two of the founding partners of R&B Insurance Services, LLC. Their office is in Lock Haven, Pennsylvania at 209 Woodward Avenue. Fred has been in the insurance industry for over 18 years. During this time, he served as both a District and then Regional Coordinator at a Fortune 100 company. Michelle entered the insurance industry after leaving teaching to become Fred's District and Regional Administrator. She has now been in the insurance industry for over 16 years. She has since become a licensed agent to assist with their book of business. They then formed their own insurance agency, Reeder Insurance, in January 2010. Fred and Michelle have both qualified for multiple awards with the carriers that they represent. They are both active in their community and Calvary Baptist Church in Jersey Shore, where Fred serves as a Deacon for the church. Fred loves to BBQ and spending family time is very important to both of them. They have 3 children, 2 Boxers, and a German Shepherd. One of their children is currently a VP of R&B Insurance Services, while the other 2 are working on their Doctorate degrees, one in Veterinary medicine and the other as a Doctor of Physical Therapy.
Fred & Michelle Reeder
President & VP of Sales
Fred and Michelle Reeder live in Lock Haven, Pennsylvania. They are two of the founding partners of R&B Insurance Services, LLC. Their office is in Lock Haven, Pennsylvania at 209 Woodward Avenue. Fred has been in the insurance industry for over 18 years. During this time, he served as both a District and then Regional Coordinator at a Fortune 100 company. Michelle entered the insurance industry after leaving teaching to become Fred's District and Regional Administrator. She has now been in the insurance industry for over 16 years. She has since become a licensed agent to assist with their book of business. They then formed their own insurance agency, Reeder Insurance, in January 2010. Fred and Michelle have both qualified for multiple awards with the carriers that they represent. They are both active in their community and Calvary Baptist Church in Jersey Shore, where Fred serves as a Deacon for the church. Fred loves to BBQ and spending family time is very important to both of them. They have 3 children, 2 Boxers, and a German Shepherd. One of their children is currently a VP of R&B Insurance Services, while the other 2 are working on their Doctorate degrees, one in Veterinary medicine and the other as a Doctor of Physical Therapy.
Betsy and Jim Brooks live in Womelsdorf, Pennsylvania. They are two of the founding partners of R&B Insurance Services, LLC. They are headquartered in the Robesonia, Pennsylvania location at 509 W. Penn Avenue, Suite 10. Betsy has been in the insurance business for over 25 years. For over ten years she served as the Pennsylvania State Training Coordinator and was both a District and Regional Coordinator for a Fortune 100 company. Jim has been in the insurance business for over 20 years. For several years he served as both a District and Regional Sales Coordinator for a Fortune 100 company.
They started their own insurance agency, Brooks Consultants Inc., in 2009. Both Betsy and Jim have qualified multiple times with carriers for production awards and trips for top tier agents and have served on many agents’ advisory councils and committees in the insurance industry. Active in their community, Jim is an elected township supervisor, and both have served on various boards of directors. They are members of the Bridge of Hope Church. Together, they have five children, eight grandchildren and two very cute Maltese puppies.
Jim is a cancer survivor, so he and Betsy know first-hand the value of having a policy that paid cash directly to them which allowed them to maintain their lifestyle.
Betsy & Jim Brooks
COO & VP OF SERVICES
Betsy & Jim Brooks
COO & VP OF SERVICES
Betsy and Jim Brooks live in Womelsdorf, Pennsylvania. They are two of the founding partners of R&B Insurance Services, LLC. They are headquartered in the Robesonia, Pennsylvania location at 509 W. Penn Avenue, Suite 10. Betsy has been in the insurance business for over 25 years. For over ten years she served as the Pennsylvania State Training Coordinator and was both a District and Regional Coordinator for a Fortune 100 company. Jim has been in the insurance business for over 20 years. For several years he served as both a District and Regional Sales Coordinator for a Fortune 100 company.
They started their own insurance agency, Brooks Consultants Inc., in 2009. Both Betsy and Jim have qualified multiple times with carriers for production awards and trips for top tier agents and have served on many agents’ advisory councils and committees in the insurance industry. Active in their community, Jim is an elected township supervisor, and both have served on various boards of directors. They are members of the Bridge of Hope Church. Together, they have five children, eight grandchildren and two very cute Maltese puppies.
Jim is a cancer survivor, so he and Betsy know first-hand the value of having a policy that paid cash directly to them which allowed them to maintain their lifestyle.
R & B Insurance Services, LLC is a licensed and certified representative of Medicare Advantage organizations. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.