Why RI

We are not looking to take the place of your insurance broker. Insurance brokers focus on insurance policy placement and are compensated based on the insurance you purchase for your company. Our team will conduct a comprehensive assessment of all your insurance policies to determine if they are adequate and cost-effective. Then we advise you on the best way to restructure your policies to capture cost savings. We are experienced, and ready to face both complex risk management and employee benefits challenges. Our fee-for-service compensation structure eliminates conflict of interest. We are on your side.

Because we are independent from the insurance industry, we can analyze your risk profile and the available market options to ensure the broadest possible coverage at the lowest possible cost. We do this by:

• Using our industry knowledge and proven methods for reducing Total Cost of Risk.
• Providing the time and attention necessary to make sure your risk management plan is aligned with your company’s current operations and ready to support future growth.
• Uncovering new market intelligence that leads to smarter business solutions for our clients.
• Knowing what options exist and what they should cost. If a policy doesn’t fit your needs, we fix it.

Our industry-leading Employee Benefits Advisory Services are provided under a Fiduciary Commitment to our clients, a first in the marketplace. We provide the highest standard of advising and advocacy available, unmatchable by industry stakeholders with inherent conflicts of interest. This lets us get our clients in a better place faster and gives them the control to stay there.

Our first-of-its-kind Fiduciary Service Standard is made possible because we have zero financial or functional ties to the benefits industry. We have never and will never take money or favors from the industry. Everything we do is in the best interest of our clients and their plan participants.

Procuring and managing health and welfare benefits doesn’t follow rational supply chain practices. Employers are trapped, “buying blind” in an opaque self-serving system of entrenched stakeholders and veiled contracts, relying on the guidance of industry middlemen with incentives to perpetuate the status quo. This blocks employers from direct interaction with the market and information access.

Most troubling is that this introduces significant excess cost and increasingly greater fiduciary risk because it prevents employers from fully exercising their responsibilities and rights to optimally manage their plan.

Our Benefits Advisory team restores clarity, understanding, power, and control to their clients, allowing for significant savings on their employee benefits programs.

We take away the anxiety of important business decisions by providing accurate reports with crucial information and analysis. With four credentialed actuaries, we offer over 80 years of combined experience providing unbiased, reliable, and straightforward analytics. With no ties to the insurance industry, our fully independent actuarial team performs analyses for every line of property casualty insurance, including:

• Workers’ Compensation
• General Liability
• Property
• Medical Malpractice
• Automobile Liability and Physical Damage
• Management Liability

We have the analytical tools to perform the in-depth, highly complex reserving, forecasting, and analytics analyses provided by the larger firms but in a personalized style typical of smaller firms. Our actuaries have provided services to public and private entities including, but not limited to:

• State Entities
• Municipalities
• Tribal Nations
• Hospitals
• Colleges and Universities
• Medical Malpractice
• Automobile Liability and Physical Damage
• Management Liability

Regardless of your size, type of business, or geographic location, we efficiently serve your actuarial needs.