Who We Are

Employee Family Protection, Inc.

Decades of Collaboration.

Standing as a trusted ally in benefits communication, enrollment, and HR fulfillment services.


As an independent, owner-operated firm, we have proudly collaborated with employers and brokers across the nation for over four decades. Our mission is to empower employees in making informed benefit decisions through the provision of worksite benefits, cutting-edge technology solutions, seamless administrative support, and comprehensive enrollment services to our esteemed clients. In our unwavering commitment to excellence, we understand that off-the-shelf solutions often fall short of meeting the diverse needs of our clients and their valued employees. That’s why we take pride in our ability to deliver truly customized solutions.

Creating the right fit.

We develop partnerships with our clients to understand their specific needs and goals and how we can help achieve them. Education, communication, and technology are the key ingredients to a successful benefits campaign, and we deliver on our promises to deliver results.


Our Core Values

In an ever-evolving landscape of benefits, our steadfast commitment to our core values remains unwavering. For over 45 years, our foundation of hard work, integrity, and dedicated client service has solidified our position as a trusted and seasoned national benefits solution partner. At Employee Family Protection, Inc., our core values are the guiding principles that shape our organization’s culture and behavior.

Together, these core values create a foundation that empowers individuals to work harmoniously towards shared goals, fostering an environment of trust, growth, and ultimately, prosperity.


Integrity stands as the cornerstone, embodying the unwavering commitment to honesty, transparency, and ethical conduct. It means doing what is right, even when no one is watching


Accountability reinforces this foundation, encouraging individuals to take ownership of their actions and responsibilities, fostering a sense of trust and dependability within the team.


Teamwork amplifies the collective strength of a group, recognizing that collaboration and synergy lead to greater achievements than individual efforts alone.

Open Communication

Open communication forms the bridge that connects all members, promoting an environment where ideas flow freely, feedback is valued, and conflicts are resolved constructively.

Customer Service

Customer service exemplifies the organization’s dedication to meeting and exceeding the needs of its clientele, recognizing them as the lifeblood of its existence.

Continuous Improvement

Continuous improvement drives a perpetual quest for excellence, encouraging innovation, learning, and adaptability in the face of change, ensuring sustained growth and success in an ever-evolving landscape.

Community Involvement

Employee Family Protection, Inc. is deeply committed to making a meaningful impact in our community. Our approach to volunteering is rooted in purpose, collaboration, and a genuine desire to strengthen our sense of community. Over the years, we’ve established a strong partnership with Klingberg Family Centers in New Britain, CT, where we’ve dedicated our resources to support underprivileged children and families.

Community Contributions

Our contributions include both physical assistance and financial support for their annual fundraising event, the Vintage Motorcar Series. Additionally, our dedicated team volunteers for various activities such as building and painting picnic tables, assembling and donating bicycles, and interior painting for a teenage group home. We also organize clothing drives, supply student stores, and provide donations for summer and holiday festivities.

Our volunteer efforts have extended to the Connecticut Food Share, where we’ve sorted and packed fresh produce for distribution to food share centers. We believe in empowering our employees to choose causes close to their hearts, and we even provide company time for them to volunteer their skills and time towards these endeavors.

Our History

  • February 1979

    February 1979

    Employee Family Protection founded as a life insurance and benefit company by Charlie Stepnowski. EFP developed a foundation of offering “family protection” to employees.

  • 1983-1987


    Service First! EFP continues expanding its geographic presence and product offerings on the overriding philosophy of service first.

  • 1999


    EFP conducts its first core enrollment, shifting the company into the benefit education industry.

  • 2006


    EFP lays the foundation for its commitment to charitable causes with the first of 10 annual golf charity events, collectively raising over $575,000 for the fight against breast cancer.

  • 2006


    Louis R Faiola joins EFP as Principal and VP of Sales.

  • 2010


    Michael C Stepnowski becomes President of EFP.

  • 2014


    The Company conducts its first core enrollment built on technology configured entirely by the EFP team.

  • 2016


    EFP begins development of our own benefit billing, enrollment, and management platform, Verko.

  • 2019


    EFP proudly attains its inaugural SOC 2 certification, a testament to our ongoing commitment to upholding the highest standards of data and privacy security. This certification and the accompanying recognition reflect our unwavering dedication, reaffirmed annually.

  • 2020


    Verko marketplace is established with insurance carrier partners.

  • 2022


    EFP awarded Mployer Advisor’s Top Employee Benefits Consultant 2022 for CT.

  • 2023


    EFP accomplishes its 4th consecutive year of SOC 2 certification while adding an additional compliance regulation to be awarded with the coveted SOC 3 certification. SOC 3 confirms EFP’s trust and confidence in protected data entrusted to our team.