SPECIALTY INSURANCE TEAM

Our Mission

To provide innovative products that stabilize or reduce client medical cost and risk by promoting quality medical results

Insurance Risk Management Experts

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E.F. “BUCK” HOWARD
Founder

Buck has been innovating in the medical space for almost 30 years. In 1990 Buck started Molten, Allen & Williams Medical Services division where he built a substantial national clientele offering excess medical products...

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MICHAEL HOWARD
CEO

Michael develops new client relationships and provides analytical support for existing clients. He also stays active in local and national organizations such as the Alabama Employer Health Consortium,...

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