Insurance is very convoluted. Everything seems to be vague, nothing is black and white. How do you know you’re getting the best plan? Are you under covered or are you overpaying? You need to find tailored solutions that are fiscally good for the company and functionally effective for the employees. As the 4th quarter is approaching, it’s time for you to get a second opinion and have a true consultant assess your company benefits. Remember that loyalty is a two way street, you need someone protective of your business and your people. Your company budget and your employee needs change over time. Are they being addressed by your current broker?