Supplemental Benefits Education
Understand accident, disability, critical illness, cancer, and hospital-related benefit options, where eligible and available.
Discuss benefits ↗
Welcome to Summa Praesidium LLC
Protection is personal. So is the conversation.
You deserve to understand what you have, what you need, and what your options really mean. We make room for questions, real life, and decisions that feel right for you.
Clear explanationsPeople before productsPractical follow-through
Our starting pointListen first. Explain clearly.
Our commitmentWhen you're ready, we're here.
Why we exist
Understanding comes before deciding.
“I don't want you paying for a bunch of policies and not knowing what you have.”
Insurance and benefits can get complicated fast. We believe a good conversation should leave you better informed, whether you decide to enroll, make changes, or simply take more time.
Our work begins with understanding your life, your priorities, and the protection you already have.
Listen to your situationStart with what matters to you.
Explain your optionsPlain language, real questions.
Respect your decisionKnowledge without pressure.
Ways we can helpProtection, explained
Protection, explained
like it matters.
From understanding workplace coverage to planning for life's unexpected turns, we start with education and the individual in front of us.
Life Insurance & Protection
Explore life insurance choices and how they may fit your budget, goals, existing policies, and responsibilities to those you love.
Opens Michaele Pradia's BackNine quote and application page in a new tab.
Property & Casualty Guidance
We're preparing a dedicated way to explore home, auto, and other property and liability insurance questions with clear, personal guidance. This service is not yet available for booking.
Coming SoonPolicy Reviews & Client Support
Have questions about a policy or where to begin with a claim? Let's review your documents and identify the next steps.
Book client support ↗Workplace Benefits Conversations
Education for employees and conversations with employers exploring voluntary benefit programs, subject to eligibility and access.
Talk workplace benefits ↗Business Systems & AI
We're developing future offerings focused on practical business workflows, AI education, and responsible technology integration. These services are not yet available for booking.
Coming SoonIndependent expertise. Clear professional relationships. Insurance conversations are led by founder Michaele Pradia as a licensed insurance broker, an insurance representative for Colonial Life, and a Public Sector Benefit Specialist. Her professional relationships include Pradia & Pradia Associates, the Smart Choice agency network, BackNine, and contracted life and P&C insurers. The dedicated Property & Casualty Guidance offering on this site is coming soon. The organization issuing a policy, and any applicable workplace program, will be identified during your consultation. Summa Praesidium LLC is not a government agency or your employer.
The heart of our work
I began caring for people at 15. That experience still shapes how I listen, explain, and show up for people today.
Michaele PradiaFounder & CEO · Summa Praesidium LLC
Meet the Founder
Michaele Pradia
Founder & Chief Executive Officer | Summa Praesidium LLC
Independent Insurance Broker | Principal Benefits Consultant | Healthcare & Wellness Advocate
Michaele Pradia understands that behind every question about protection is a person with responsibilities, concerns, and a life that extends far beyond an insurance policy.
Her career began in healthcare at the age of 15, establishing a foundation as a healthcare professional that she strengthened through decades of experience in patient care, clinical education, and organizational leadership. That experience continues to inform her work in independent insurance brokerage and entrepreneurship. Throughout her career, she has remained committed to understanding people, sharing knowledge, and providing meaningful guidance.
As a fourth generation insurance professional and independent insurance broker, Michaele works with individuals, families, and employees across Public Sector and Commercial markets. Her approach emphasizes listening, education, and helping people understand their options without unnecessary pressure.
As Founder and CEO of Summa Praesidium LLC, she brings these experiences together through a broader vision connecting education, wellness, professional consulting, protection, and family legacy.
Michaele believes the true value of her work is reflected in the care she provides, the knowledge she shares, and the consistency of her support. She understands that trust is earned through honesty, accountability, and a genuine commitment to being there when people need guidance.
For Michaele, the relationship matters just as much after the decision as it does before it.
Information is powerful. Sharing creates impact.
Michaele Pradia
Founder & Chief Executive Officer
Summa Praesidium LLC
California Insurance License #0F16663
Founder & Chief Executive Officer
Summa Praesidium LLC
California Insurance License #0F16663
By phoneBy ZoomIn person at an agreed location
Have a question? Start with a conversation. →
How we workNo complicated performance.
No complicated performance.
Just a better conversation.
01
We listen.
You tell us what's on your mind, what you already have, and what concerns you.
02
We explain.
We review relevant options, terms, limitations, and questions worth asking.
03
You decide.
You choose what makes sense for your needs and your budget. No pressure.
04
We follow through.
Existing clients can schedule time for support, policy questions, and next steps.
Your next step
Let's talk about what matters to you.
You don't need to know all the insurance terms before we speak. Bring your questions — that's where we begin.
We can meet by phone or Zoom, or arrange an in-person conversation at a mutually agreed location when available.
Scheduling links open our existing Calendly booking pages.
Good questions deserve real answers
Before we talk, you might be wondering...
These are starting points. The details of your own situation are what matter.
Do I have to buy a policy to ask a question?
No. An initial conversation can be about understanding available coverage, terminology, or the next step. You decide if and when you want to move forward.
Can you help me understand insurance I already have?
Yes. For existing clients, we can review available policy information and discuss how to locate documents, understand benefits, or navigate a claims process. Claims and coverage decisions are made by the insurer under the policy terms.
Who will I be working with for my insurance and benefits needs?
You'll work directly with me, Michaele Pradia, a licensed insurance broker, an insurance representative for Colonial Life, and a Public Sector Benefit Specialist.
My professional relationships include Pradia & Pradia Associates, Smart Choice, BackNine, and contracted life and property and casualty insurance carriers. Property & Casualty Guidance through this website is coming soon. For services currently available, I'll explain which agency, insurer, or benefits program is involved before you make a decision.
Do you work for my employer or a government agency?
No. You may meet me at your workplace, but I don't work for your employer or a government agency. I'm Michaele Pradia — a licensed insurance broker, a Colonial Life insurance representative, and a Public Sector Benefit Specialist.
When voluntary or supplemental insurance options are available through a workplace program, I help eligible employees understand what is offered, how the coverage works, what it costs, and how it may fit alongside existing benefits. My role is to give you clear information — not to speak for your employer or make decisions for you.
I also help individuals and families outside workplace programs through my other professional insurance relationships. Whether we meet at your workplace, by phone, over Zoom, or in person by appointment, I'll explain my role, identify the insurer providing any proposed coverage, and help you understand key terms before you decide.
My approach is simple: transparency, education, and respect for your choices.
How can I meet with you?
I work by appointment, and when we meet in person, I come to an agreed location rather than asking you to visit an office. That might be your workplace when arrangements allow, or another location we agree upon. We can also connect by phone or Zoom.
I am based in Roseville, California 95747, and I do not currently have a public walk-in office. Whether you're exploring protection options, reviewing benefits you already have, or simply have questions, we'll take the time to talk things through. Real conversations. Clear answers. No pressure.
Can I send medical records or my Social Security number by email?
Please don't send sensitive documents, Social Security numbers, medical records, or bank details through ordinary email or the initial booking request. We'll discuss an appropriate secure method if needed.
Stay connected
Have a question? Start here.
Based in Roseville, California 95747. I meet clients by appointment at an agreed location when available, or by phone or Zoom. There is no public walk-in office at this time.
Call (510) 988-7133, email legacy@summapraesidium.com, or choose a booking link above. For your privacy, please keep sensitive personal and medical information out of your first message.