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Group Health Insurance is not hard – it is premium paid in versus claims paid out.  When claims or the potential for claims exceed premium, additional premium is requested.  Control the claims and you control the long-term premium increases.

Group Health Insurance is a thinking business! To create a meaningful benefits package the agent will consider

1. analysis of the market
2. goals and objectives of the business
3. employee demographics
4. competitive data
5. medical conditions and potential medical conditions

Problems begin when a company only sees the agent at renewal (true the agent’s staff is always available to solve problems.)

A business should rely on the group health insurance (employee benefits) agent the same way you rely on your CPA and business attorney - after all that is what you are paying for - knowledge and expertise. You want them to share their experience.