Financial and Business Benefits of America (FBBA) was founded by Mr. Hemnath (Hem) De Silva in 1998. Since early 1995, Hem De Silva has been an Agent for New York Life Insurance Company, UnitedHealthcare and Univers, a division of Goldman Sachs. FBBA can custom design your company's group health benefit package as well as dress up an existing portfolio of benefits that attract your top employees (Golden handcuffs). Our service is primarily free to you and adds value to your company. We install and service your policies right through out at no cost to you. The phone call you make might just be the call that might turn the tide for you.