The BHR Life Companies | About Us
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About Us

About The BHR Life Companies

Founded over thirty years ago by James Javaras, and run today with his son Stephen Javaras, the BHR Life Companies has become a trusted advisor to many individuals, families, and business owners throughout the region.


Our philosophy is simple: take time to understand the growing company’s needs. Through our proprietary system of fact-finding and RFP programs, we learn your needs as an individual, family or business owner.


As independent brokers, we represent you to all major insurance carriers. As your advocate, it is our job to develop the most competitive plan design for you. Our core values are professional expertise, integrity, honesty, and confidentiality.


Client satisfaction is our first priority. Our services include Business Planning, Estate Planning, Executive Benefits, and Employee Benefits.



James D. Javaras, CLU®, ChFC®


Stephen J. Javaras, CLU®

Vice President

Cheryl C. Clottey-Sarpong

Marketing & Underwriting

Are you in need of help with your financial planning?