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About Us

Ben Rosky Head Shot

Benjamin Rosky’s insurance career started in 1996 selling life and disability insurance to credit card holders. This is where he earned licenses for, life, health, disability, property and casualty insurance. Shortly after, Ben worked at a local hospital as a patient advocate in the business office. Consulting with patients of the hospital on their bills, interpreting them, conduct audits, negotiating balances, setting up payment plans, and fighting to get their claims paid every day revealed a raw, behind-the-scenes perspective on our system of financing healthcare.

In Spring of 1999, he took a leap of faith to leave the hospital & join a small, family-owned insurance agency called L & A Services. Going from a salary to a commission-only health insurance broker was scary. However, serving these individuals & families is where he found his passion: helping the customer be proactive instead of reactive to the threat of a large hospital bill. In addition, his background at the hospital provides a unique skill to provide valuable advice on EOB’s, prior authorizations, appeals, and many other common claim-related issues…often before the claim even occurs. This is not a common skill with today’s insurance brokers.

In November of 2019, L&A Services became a proud partner of PCF Insurance Services of the West, via Capital West Insurance, our local branch. The move provided L&A with additional resources to provide better service to our clients. Through this relationship, L&A is able to offer virtually any type of insurance in any state through one of our large network of partners scattered throughout the country.

When Ben is not doing insurance work, you may find him hosting a trivia show or making people laugh at a local comedy club. Personal time is spent with his precious son Declan and their little cat Oreo.

Mr. Rosky earned his Registered Health Underwriter® designation from The American College in 2006 and his Registered Employee Benefits Consultant® designation from National Association of Benefits & Insurance Professionals in 2023.

An Independent Advantage

We are Independent Agents in Scottsdale, Arizona, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. L & A Insurance Services represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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Customer Reviews

Very prompt with helpful information...

Lisa Jones
Lisa J

Thank you for your help!

Instant Plumbing
Instant P

I'd definitely recommend him!!!

Sheila Henderson
Sheila H

I see others are as happy with Ben as I have been.

Cherryl Ann B.
Cherryl A B

...patient, thorough and understanding. I'd recommend him to everybody!

Susie D