Okay, let’s tackle this. So Jeff Kloc has skills in Employee Benefits, Health Insurance, Underwriting, and Benefits Administration, which are all in demand. He’s located in Georgetown, Texas, which is a growing market. According to the Bureau of Labor Statistics, insurance underwriters in the Austin-Round Rock, TX Metropolitan Division (which includes Georgetown) have a median annual salary of around $62,000. However, considering his expertise and experience, I’d estimate his hourly rate to be around $125, which is roughly 2-3 times the median salary. This is a reasonable estimate, considering the value he brings to clients as a benefits expert.