STEP ONE - Information Gathering Process

          • Client Objectives/Current Condition

          • Plan Documents/Benefit Booklets/Census

          • Renewal and Claim History

STEP TWO - Market Bid

          • Prepare Bid Guidelines

          • Selection of Markets

          • Submission/Communication to Carriers

STEP THREE - Market Analysis/Recommendation

          • Confirm Proper Plan Design

          • Thorough Analysis of Proposals

          • Detailed Benefit and Cost Analysis

          • Presentation to the Client

          • Specific Recommendations by Benefit