We are an independent group benefits and retirement savings broker with advisors working alongside all major insurance carriers to help companies and organizations provide high quality group benefit plans and group retirement plans for their employees.

As an independent broker we: 1. Compare all major insurance carriers 2. Provide unbiased plan design advice 3. Negotiate on your behalf 4. Ongoing service & renewal strategy 5. Claims issues and employee support 6. Act as your long-term advocate – not the insurer’s

1. Yes. Many carriers offer plans for companies with a few as 2-3 employees. 2. There are also pooled or association-style plans that group multiple small employers together. By spreading risk across a larger pool, these plans can help keep premiums more stable and affordable. 3. One downside of association-style plans is that plan customization is often limited. Since the benefits are standardized across many employers in the pool, businesses may have fewer options to tailor coverage levels or specific benefits to their employees’ needs. 4. Small businesses can often customize traditional group plans more easily based on budget and employee needs. Options may include health, dental, vision, life insurance, disability coverage, and paramedical services.

Absolutely! Complimentary plan audits are included. We review the following: 1. Plan design review and benchmarking 2. Renewal rates analysis 3. Funds and fund IMFs (fees)

1. You must use a third party advisor / broker to get a Group Benefits or Savings plan for your company 2. Some insurance companies have individual advisors but those advisors don’t work for the insurers’ Group Benefits or Savings departments. They are independent financial advisors that use the insurers as their distributor on the individual side & have a Group Benefits & Savings license to sell and are independent on the Group side 3. Advisors / Brokers with the license to sell Group Benefits and Savings are all independent on the Group side of the business and don’t need to be under a distributor / insurer like they would to sell individual products.

1. Not really. With today’s technology, implementing a new plan or switching insurers is largely straightforward. Most of the process involves completing applications and providing basic employee information, while the insurer handles the rest through streamlined, automated processes. 2. Modern insurers often offer online portals and digital tools that make onboarding, plan setup, and employee enrollment much faster and easier than in the past. 3. Switching insurers or updating plans can also include support from a benefits consultant or broker, who can guide you through plan design, employee communication, and regulatory requirements, helping minimize administrative burden. 4. Overall, the time and effort required is minimal compared to the benefits of offering competitive coverage and financial security to employees.