Our Vision: Provide clients with FREE customized comprehensive health and life insurance portfolios, while delivering quality customer service.

Our Mission: To provide health and life insurance coverage with confidence that consumers and all size businesses in New Jersey statewide can trust!

Our Purpose: To help educate the community on navigating through the complexities of the health & life insurance industries.

Our History: Karing Is Mutual LLC is a professional licensed insurance broker agency with over 25+ years of health and life insurance industry experience.  Through our extensive insurance industry knowledge, we are leaders in providing our client’s with the flexibility to customize health and life insurance premium savings portfolios to best meet our client’s needs.


Licensed small business health insurance broker, located in Union NJ / Union County NJ and seving all of NJ.


Leadership: Cassandra (Sandy) Gibson is currently the President & CEO of Karing Is Mutual LLC.  She is a dedicated trusted health and life broker industry influencer, who passionately advocates on behalf of her clients.

Prior to becoming President & CEO of Karing Is Mutual LLC in 2018, she was statewide Retention Manager at one of New Jersey’s prestige’s Insurance Carriers for 18 years.

Sandy is a seasoned health & life broker expert in the insurance industry who truly understands the issues that are important to consumers and all size businesses in New Jersey statewide.

With over 25+ years of experience in the health and life insurance industry, Sandy was named President of The New Jersey Association of Health Underwriters (NJAHU), a statewide consumer and all size employer group advocacy organization of 600+ professionals who are dedicated to educating the public on critical healthcare issues, shaping health insurance legislation, and raising the ethical standards of the business.

Industry Leadership:

  • President, New Jersey Association of Health Underwriters (NJAHU) 2013-2014, frequently meeting with State officials and legislators.
  • President, Central Jersey Association of Health Underwriters (CJAHU) 2009-2011
  • Member National Association of Health Underwriters Member since 2001
  • 2021 New Jersey Individual and SHOP (Employer Groups) Marketplace Certifications