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BBB Accredited Business since

Mutual Benefit Association of Hawaii

Phone: (808) 537-3151 819 S Beretania St, Honolulu, HI 96813

BBB Business Reviews may not be reproduced for sales or promotional purposes.


This company is a mutual benefit society that offers medical and health insurance to its members.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Mutual Benefit Association of Hawaii meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Mutual Benefit Association of Hawaii include:

  • Length of time business has been operating
  • No complaints filed with BBB

Customer Complaints Summary

0 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 0
Total Closed Complaints 0

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Mutual Benefit Association of Hawaii
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: November 03, 1988 Business started: 01/01/1961 Business started locally: 01/01/1961 Business incorporated 06/05/1981 in HI
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

DCCA Insurance Division
335 Merchant St STE 213, Honolulu HI 96813
Phone Number: (808) 586-2790
The number is W20336840-01.

Type of Entity


Business Management
Mr. John Garibaldi, President Mr. Ronald Toyofuku, Chairman of Board Ms. Lynne Yamamoto, Admin. Assistant
Contact Information
Principal: Mr. John Garibaldi, President
Business Category

Insurance Services Hospitalization, Medical & Surgical Plans

Alternate Business Names
Royal State Corporation

Additional Locations

  • 819 S Beretania St

    Honolulu, HI 96813 (808) 537-3151


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.