Harold W. Wells and Son Inc, in Wilmington and Southport, NC. Is the fast-growing, family-owned agency. It takes its commercial insurance and employee benefits customers into the cutting edge of 21st century health plan design, introducing them to consumer-directed health plans, wellness and other strategies designed to reduce their costs and improve the vitality of their employees. In 1990, the agency created a separate employee benefits department and began to build the technical expertise to support more sophisticated employee benefits programs including self-funding, contracts with third-party administrators and outside health management firms. The division now markets a full line of employee benefits products and services, including traditional group health plans; new consumer-directed health plans (CDHP), group life, dental and disability coverages. A loyal customer base is the cornerstone of the employee benefits division, built originally on cross-selling property/casualty insurance customers but growing steadily by referral from customers and other professional service providers in the region.