Insights & Blog

What Public Entity Leaders Should Understand About How Their Risk Pools Actually Work

If you manage a municipality, county, school district, special district, or tribal government, there’s a good chance your organization’s insurance and benefits programs were in place long...

The Boutique Advantage: When Fortune 500 Expertise Meets the Advisor Who Answers the Phone

There’s a decision that plays out every open enrollment season in break rooms, kitchen tables, and hurried lunch-hour browser sessions across the country. An employee opens the enrollment...

What Would Happen to Your Family If You Couldn’t Work Tomorrow?

Nobody wakes up planning to have a stroke at 44. Nobody schedules the car accident that happens on the way home from their kid’s soccer game. Nobody pencils in the back injury that turns a...

What Happens When Your Key Person Disappears: Business Continuity Planning Beyond the Org Chart

Every organization has them — the people who hold it together. Not always the ones with the biggest titles, though often they’re in leadership. These are the individuals whose relationships...

Level-Funded Plans and the Data Advantage: The Middle Market’s Best-Kept Secret in Health Plan Strategy

There’s a conversation happening in mid-market benefits strategy that most employers have never been invited into. While Fortune 500 companies have operated self-funded health plans for decades...

Total Cost of Risk: Why the Smartest Employers Stopped Comparing Premiums

Every year, somewhere between August and November, the same scene plays out in boardrooms across the middle market. The broker walks in with a renewal presentation — a stack of slides showing this...