Seeing A Need
In the early 1990's, David Lind observed what he saw as a disturbing trend in the group benefits industry - traditional agencies and brokers sacrificing their objectivity by allowing insurance companies to dictate commissions and require production quotas. As a result, clients were increasingly enticed to accept inappropriate products for the sake of higher commissions. 

In response, David created DPL&A in 1995 as an independent consulting firm, not bound by any insurance carriers for production or commissions.

Access, With Objectivity
DPL&A provides you with access to all major insurance markets, while refraining from accepting forms of compensation that may otherwise serve as an enticement. This means DPL&A - a full disclosure firm - provides advice that is independent of its own monetary considerations. 

Time and resources are used to serve you - not to solicit or prospect for the purposes of selling insurance products. As such, DPL&A's fees are based on the time spent servicing your plan, and the professional level of the associates working with you. 

Focus, Experience
DPL&A focuses exclusively on group benefit plans. Associates at DPL&A hold several professional designations and have many years of experience and technical expertise in the field of group benefits. Their backgrounds include:

• Account Management
• Client Services
• Underwriting
• Operational Management
• Brokering

Additional Services
DPL&A conducts research on benefit issues helpful to employers such as the Iowa Employer Benefits Study ©.