The BHR Life Companies | James D. Javaras, CLU®, ChFC®
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James D. Javaras, CLU®, ChFC®


A graduate of the University of Massachusetts with a Bachelor of Science degree in Engineering, Jim has over 40 years of insurance experience. Since 1983 he has achieved membership in the prestigious international Top of the Table. Jim is a Life and Qualifying Member of Million Dollar Round Table and is a select member of the Advanced Association of Life Underwriters. Jim holds the Chartered Life Underwriter® and Chartered Financial Consultant® designations from the American College of Financial Services, Bryn Mawr, PA. These designations allow direct access to legislative matters and trends pertinent to the insurance industry. Jim’s primary areas of concentration are Business/Employee Benefit Insurance Planning and impaired risk underwriting.


Jim has served on the Executive Committee of The Guardian Life Insurance Company and on the Product Development Committee for both The Guardian and Chubb Life/Jefferson Pilot Insurance Companies, assuring our clients of an active voice with these insurance carriers. Jim is also a member of the area Chambers of Commerce, a Worcester Life Underwriter, and a member of the local Estate & Business Planning Council.


Very active in the community, Jim is a Trustee Emeritus of the Worcester Art Museum, a member of the Tocqueville Society and chairman of Fundraising for the United Way of North Central Massachusetts.