Our experience allows us to navigate the murky waters of group benefit renewals, and discount the industries “trend”, “profit” and “inflation” charges if they are not warranted. 

We use our own history-tested formulae to establish rates we deem fair and negotiate with the Insurer to ensure their numbers align. 

In the odd circumstance where the Insurer will not negotiate, we “go to market” to find one that will.  This is a last resort, however, as we prefer to deal with carriers that respect our experience and reasoned arguments.