Get to know Michael

Michael was born and raised on the island of Oahu. After graduating from Mililani High School, he attended the University of Hawaii. From a young age, Michael's life has been centered around service to others. As the son of a pastor, he volunteered for various church roles, including Sunday school teacher during his college years. His commitment to helping others continued when he joined the Diamond Head Lions Club, where he went on to serve as both Club President and Zone Chair—the youngest to hold that position in the zone’s history at the time.

 

In 2005, Michael entered the Medicare Advantage insurance industry as a sales representative for United HealthCare. Two years later, he transitioned to become an independent broker and founding partner of the Lum and Nakano Agency, Inc., doing business as Premier Benefit Consultants (PBC).

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Michael found that his work in the Medicare insurance industry perfectly combined his passion for helping others with his professional aspirations. Medicare can be complex and confusing, especially for its beneficiaries, but Michael’s ability to simplify and clarify the subject helped him achieve great success, ultimately earning him national recognition as a top performer by United HealthCare.

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Michael has been married for many years and has a teenage daughter who attends Punahou School. As a family, they enjoy traveling and exploring America’s iconic attractions.

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A natural visionary, Michael’s dream is to build PBC into a household name in Hawaii as the go-to Medicare specialist and trusted resource. He’s committed to achieving this goal by leading his team to deliver reliable, knowledgeable, and exceptional service to their clients.