Because we choose to develop a solid, stable client base rather than churn through as many new sales as we can make each year in the hope that they stay on the books.  As brokers versus insurance company agents we take the position that we work for our clients, shopping and negotiating with insurance companies on their behalf to determine a fair price for the plans we install and then re-evaluate them on an annual basis.  Our clients pay us nothing for our services; our income is the commissions from the insurance companies we place.  Since we don’t believe in a “boilerplate” approach, in our initial meetings we’ll want to learn about your company, your employees and how well your employee benefits plan serves to attract and retain employees while staying within your budget.  We’ll discuss the different types of plans available---including completely voluntary programs---and, if we feel can be of service, will collect some information from you and go to work.  Our proposal will be in the form of a recommendation rather than a simple spreadsheet and may involve innovative, alternative approaches such as HSA compatible plans, HRAs or split funding arrangements if they’ll serve to expand your current benefit offering at a lower cost.  We’ll also include association or chamber of commerce discounts that you might be eligible for.  If you decide to proceed we’ll then look at your employee contributions to make sure they’re on a pre-tax basis, providing a free compliance evaluation of the sec 125 plan you have in place or recommending one if you don’t.  If company is subject to COBRA we’ll also evaluate how that’s currently being handled.   We’ll conduct employee presentations to explain the new plan and introduce ourselves as ongoing resources for their questions.  Then, perhaps most importantly, once your new plan is installed we’ll introduce you to our office staff who’ll be available to you and them as an ongoing service for new hires or whatever situations or questions may arise.

Might we be of service to your company?  Please contact us and invite us to come and sit down with you.

No-obligation quote for groups with 2+ employees


Free instant individual/family quote for sole proprietors