Changing advisors does not have to disrupt your benefits plan.
In many cases, an employer can change the advisor responsible for the plan without changing carriers, changing coverage, or creating disruption for employees.
Most switches are completed within a week, and employees rarely notice anything.
A second look before anything moves.
We start by understanding the current plan, renewal position, service issues, and what the employer actually wants fixed.
If it makes sense to work together, the advisor change is handled through an Agent of Record process. The existing carrier and plan can usually stay in place while service responsibility moves to the new advisor.
- Review: understand the plan, rates, renewal history, claims, and service issues.
- Explain: show what is working, what is not, and where there may be room to improve.
- Move carefully: only change carriers or plan design when there is a clear reason.
Will my employees notice anything?
Typically, no. The plan, the carrier, and the employee cards all stay the same. The main change is who manages the relationship.
Do I need to tell my current advisor?
The Agent of Record process handles that. You do not need to have an awkward conversation with your existing advisor.
How long does it take?
Usually less than a week once the paperwork is submitted.
Is there any cost to switch?
There is no direct cost to switch advisors. Advisor compensation is typically built into carrier pricing and is not billed separately to your organization. As part of our audit process, we regularly review plan pricing and compensation levels to help ensure they remain competitive and aligned with market standards.