Hawaii's One Stop Shop Insurance Agent
Trina Simeona
Your Local Agent
A licensed independent insurance agent based in Hilo, helping Hawaii families find the right coverage with clear answers and no pressure.
- Medicare
- Hospital indemnity
- Dental, vision & hearing
- Cancer & critical illness
- Under-65 medical
- Life insurance
Find your fit
Let's find the coverage that fits your life.
Answer four easy questions and I'll show you the kinds of coverage worth talking through together. No plan names, no prices, no pressure.
Who are we looking for?
Prefer to just talk? Call Trina at (808) 300-1245
Calling the number above will direct you to a licensed insurance agent.
How I can serve you
Full-service coverage, one trusted local agent.
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Medicare Advantage & Supplement
Advantage, Supplement, and Part D plans explained in plain English — so you can pick with confidence.
Impact Health
A private medical cost-share plan for people under 65, self-employed, or priced out of ACA plans.
Dental Plans
Individual and family dental coverage that keeps preventive care simple and affordable.
Hospital Indemnity & Supplemental Benefits
Cash benefits that help with the everyday costs a hospital stay can leave behind.
Cancer & Critical Illness
Extra protection so a serious diagnosis doesn't become a financial one too.
Long-Term Care Planning
Thinking ahead about help at home or in a care setting, while choices are still yours.
Life Insurance & Final Expense
Term, permanent, and final expense options to protect the people who matter most.
1-on-1 Consultations
Sit down with me — in person or virtually — to review your options with zero obligation.
Group & Company Sessions
Educational sessions for employers, community groups, and 'ohana gatherings across the Big Island.
Consultations and educational sessions are always free of charge.
About Trina
I treat every client like family — because most of mine become just that.
I'm Trina Simeona, a licensed independent insurance agent born and raised in Hawaii. My work started with Medicare — sitting at kitchen tables in Hilo, translating fine print into real answers for our kūpuna — and has grown to include coverage for every stage of life.
Because I'm independent, I'm not pushing one carrier's plan. I'm looking at your health, your budget, your family, and helping you find what actually fits.
Beyond insurance
Co-host of the Kare For Kūpuna Podcast
I co-host Kare For Kūpuna alongside fellow licensed agent Lani Soliven — the leading voice for Hawai'i's kūpuna (elders), caregivers, and the families walking alongside them.
Kare For Kūpuna
The leading voice for Hawai'i's kūpuna
Connecting Hawai'i's seniors and caregivers with local resources, expert insights, and practical solutions for aging in the islands.
With a decade of combined experience in health insurance and elder care, Lani and I help families navigate the aging journey with dignity, clarity, and aloha.
Is Impact Health the Right Coverage For You?
Select the option below
Are you under 65 years old?
In-person or remote
Meet me at the Hilo office — or from your own lānai.
Prefer face-to-face? Come by the Hilo office. Prefer to stay home? We can meet by phone or video. Whatever's easier for you is easier for me.
Hilo Office
1437 Kilauea Ave Ste. 204, Hilo, HI 96720
By appointment recommended
Office Hours
Monday–Friday · 9am–5pm
Virtual & phone appointments available
Get in touch
Let's talk story about your coverage.
Free, no-pressure conversation. Tell me a little about your situation and I'll reach out to schedule a time that works.
Call
(808) 300-1245
Calling the number above will direct you to a licensed insurance agent.
trina@pbchawaii.com
Office
1437 Kilauea Ave Ste. 204, Hilo, HI 96720
Hours
Monday–Friday · 9am–5pm
FAQ
Common questions, honest answers.
Do I have to pay for a consultation?+
No. Consultations are always free — whether we meet in Hilo, by phone, or on video.
Are you tied to one insurance company?+
No. I'm an independent agent, which means I can shop across multiple carriers to find what fits you best.
What's the difference between Impact Health and traditional insurance?+
Impact Health is a medical cost-sharing program, not insurance. It often works well for people under 65 who don't qualify for ACA subsidies. I'll walk through the differences and whether it's a fit for your situation.
Can I enroll year-round?+
It depends on the product. Medicare has specific enrollment windows, but Impact Health, dental, and life insurance can typically be enrolled year-round.
Do you work with people outside Hilo?+
Yes — I serve clients across the Big Island and can meet virtually with anyone in Hawaii.