Terry Reams

President, West Region Employee Benefits

Hub International

Terry leads the West Region Employee Benefits Practice for HUB International Insurance Services. He has over thirty years of senior leadership and client consulting experience(s) within the insurance industry with a primary focus on the continuously evolving Employee Benefits marketplace. During his tenure, he has held a variety of senior management roles with various insurance carriers, financial institutions, third party administrators and regional insurance agencies.

Terry's expertise ranges from traditional, self-insured, consumer-driven, and exchange-related health insurance solutions along with ancillary, voluntary, health & performance and other EB associated risk management programs.  He has extensive knowledge of the complex healthcare environment and assists our local EB teams with consulting and risk advisory services primarily directed to the largest clients within the region.  He also provides leadership and ongoing management for our national Financial Consulting, Stop Loss and Pharmacy practices.

Terry has a Bachelor of Science in Biology from Iowa State University. His professional affiliations include membership in the National Association of Health Underwriters along with work on various industry and insurance carrier regional and national advisory boards. He holds the Registered Employee Benefit Consultant (REBC) designation through NAHU.

Speaker Questionnaire
What is the biggest thing you learned in 2020?

What do you feel are the two most important benefits or areas that need to be a top priority in 2021?

Can you share a story on an area of your healthcare program or employee benefits where you were able to create significant savings or stop costs from rising?

If you could automatically receive a 10-20% reduction in costs in three areas/programs, what would your dream list be?

What is the most innovative program you will focus on in 2021 and/or 2022?

How are you re-imagining corporate culture & well-being?

What virtual care solutions did you roll out during the pandemic? How valuable were they and why?

If you look at our 3 Moonshots - Costs, Culture, and Care; In one sentence, tell us what would be something positive for us to take from 2020 and bring into this new year?


1 Conference. 3 Moonshots.


Moonshot #1​

Reduce employer healthcare and benefits costs by 25% by 2025.​



Moonshot #2​

Reimagine engagement and well-being.



Moonshot #3

Provide 40% of healthcare services virtually and through technology by 2025.​


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Join us for the 13th HEALTHCARE ЯEVOLUTION®