Group | Individual Benefits

Insuring Your Most Valuable Assets

Whether you are a business or an individual buyer, insurance is likely one of your most costly line items today. There seems to be no end in sight to the increases in health insurance premiums. Traditional brokerage services have done little to stem the tide of rising costs. Industry challenges have even lead to the erosion of expected service levels.

FBinsure blends a high level of innovation with plain old hard work to provide creative solutions to today’s insurance problems. We start by identifying the right insurance solution for your needs. No more. No less. We then create a customized plan purposely developed to drive a return on your human capital.

Benefits Brokerage and Consulting Services

  • Initial Benefits Package Analysis: FBinsure will review the current plan design, assess premium appropriateness and confirm contract consistency. We will review current policies based on industry norms and carrier service levels.
  • Competitive Benefits Package Analysis: Armed with the ideas and information compiled during the initial analysis, we will collaboratively build a strategy to approach the marketplace. We then solicit quotes from the insurance marketplace. After a thorough examination of the prospective quotes, we recommend the appropriate plans and carriers to meet the financial and coverage objectives of our client.
  • Third Party Creativity: Our meticulously chosen industry partners allow us the flexibility and creativity to manipulate your insurance plan even further to create a fingerprinted solution that meets your specific needs.
  • Implementation Through Communication: Once a carrier and plan has been selected, we will facilitate the enrollment process through our commitment to communication. We will survey your staff to determine the most effective communication strategies, develop communication pieces to support those strategies, and ensure your employees enjoy a comfort level with the process.
  • Consultative Benefits Services: FBinsure will be a strategic partner and resource to a company's management, employees and human resources department.
  • Employee Advocates: FBinsure acts on behalf of the client and its employees as the liaison between the carriers and other service providers.
  • Strategic Benefits Planning: Our team will work with you to evaluate your company's benefit strategy, helping you to develop a roadmap and philosophy that highlights and communicates benefits as an integral part of the total compensation you provide your employees.

Products Include:

  • Group and Individual
  • Life Insurance
  • Health Insurance
  • Disability Insurance
  • Long Term Care
  • Annuities