Census check
Send your employee list once. Our checker reads every row and flags problems, like a ZIP code that lost its leading zero, before an insurer sees it.
Licensed in multiple states
Group health and benefits brokers for New York business owners and their families.
Protecting what you've built: your business, your people, your legacy
We set up employee benefits for growing companies. We also look after the owners, with life insurance and disability income. You deal with the same brokers for all of it.
Renewal reviewIn progress
Example: a design firm with 24 employees
- Census checked (Done)24 of 24 rows clean
- Current plan (Done)Read in full, not only the rate
- Options compared (Done)Fully insured and level-funded
- Employee cost (In progress)Contribution models in progress
- Decision (Next)Due 30 days before renewal
What we handle
Most clients start with one of these and stay for several.
- Employee benefitsCompanies of any sizeGroup health, dental, vision, life and disability. We run your renewal every year and help your staff with claims and ID cards.
- Owners and key peopleFounders, partners and senior staffKey-person life insurance, disability coverage for executives, and life insurance that funds a buy-sell agreement between partners.
- Life insuranceFamilies planning what they leave behindTerm and permanent life insurance, sized around your mortgage, your children’s schooling or a business you plan to pass on.
- Disability incomeProfessionals whose income depends on their workCoverage that pays part of your income if illness or injury keeps you from working. We read how each policy defines your occupation.
- Individual and family healthThe self-employed and families buying their own planMarketplace and off-exchange plans in the states we serve, picked around your doctors and prescriptions.
- JewelersDiamond District, Queens and Long IslandGroup health and benefits for jewelry stores, workshops and dealers, plus key-person and buy-sell coverage for the owners.
How your brokers work
We read your plan before we talk about price.
We built our own tools for the tedious parts of insurance. You don’t have to log in to anything. You get the results from us, in plain language.
Side-by-side quotes
Your current plan sits next to each alternative, compared on what your team will notice: the network, the deductible, drug coverage and what each person pays.
Renewal calendar
We typically start about 120 days before your renewal date. That leaves time to compare, ask questions and give your staff proper notice.
Where we work
What we place, by company size
We’re licensed in multiple states. The rules for small companies differ by state, so call us and we’ll tell you plainly what applies to you.
2+
Companies with 2 to 100 employees
Group plans in most states we serve, fully insured or level-funded.
In New York, we offer plans for businesses of any size.
100+
Companies with 100 or more
Group health, dental, vision, life and disability, in the states we serve.
1
Individuals and families
Individual and family coverage for residents of the states we serve.
A coverage review
What a coverage review looks like
It starts with a phone call. You don’t have to change anything.
- 01
A short call
About twenty minutes on what you have now, what bothers you about it and when it renews.
- 02
Your documents
We ask for your plan summary and your renewal letter. For a group, we send a secure link for the employee census.
- 03
Options, side by side
You get a written comparison and we walk you through the trade-offs. Keeping what you have is often a good answer.
- 04
You decide
If you make a change, we handle the applications and enrollment. After that, you call us with claims and billing questions.
Talk to your brokers
Call 516-225-2343 or send us a quote request. A licensed broker will get back to you.