Full Range of Insurance Products

Broad Reach Benefits, in Madison, New Jersey offers a full range of insurance solutions and products that can be customized to your needs. As benefit brokers, we provide you with access to a wide variety of insurance carriers and markets from across the globe. We only work with those carriers that meet a critical selection criterion.

Many insurance products are available as Voluntary Programs (100% employee-paid). Voluntary Programs are an excellent way to provide your employees with the benefits they want and desire without impacting your employee benefits budget. See our section on Voluntary Benefits to learn more!

A Spreadsheet Is Not A Strategy

Most benefits brokers merely shop the market for your with a few carriers and then provide you with a spreadsheet. But no matter how many plan options a spreadsheet may contain, they are all just variations of the same choice. To take control of your employee benefit costs you need solutions based on real strategies and actuarial data – not just trading one feature for another.

Strategies That Provide An Advantage: Employee Insurance Benefits

You need ways to manage the costs of prescription drugs, chronic diseases, technology, employee communication- while minimizing disruption and backlash from your employees. The right strategies will provide direct savings to your medical and other benefit plans. Indirect savings will occur when your time is freed from benefits administration and problem solving. Savings will be derived from increased employee morale, lower turnover, lower absenteeism and diminished recruitment time.

Whether you have 30 or 500 employees, these strategies will have a measurable impact on your company.

Specialized Insurance Products

Insurance carriers today (both domestic and international) have an amazingly wide variety of specialized insurance products. Rather than simply using off-the-shelf products with their constraints, we use these specialized products to design a group employee benefit program that addresses your specific group or risk. The underwriting, benefits and cost are very different than traditional group programs.

If you had a blank sheet of paper and could design your own executive life insurance program or disability plan, what would you want? Specific benefits? No health questions? Individual policies that are completely portable? Let us know what’s on your wish list and we’ll match you up with a specialized program.

Offering Group Employee Benefits have become an expected part of compensation for today’s employee. Having the proper benefit programs to attract and retain employees is crucial in our current business environment.

Broad Reach Benefits is proud to offer services in New York, New Jersey, Pennsylvania, Connecticut, Delaware and Tennessee. If you have more questions about our services, or would like to get started working with a Broad Reach Team Member contact us at 800.272.1144, today.