Employee benefit planning is complex and multifaceted.  Client First Group, Inc. was established in 1997 to address the specific needs of each employer with which we work.  The focus of our firm is on health and welfare benefit programs.

Why choose Client First Group, Inc as your broker?

• We have a single-minded focus on your unique needs
• We respect your budgetary needs & understand reasonable cost is important
• We know the insurance marketplace
• We maintain strong relationships with the insurance carriers and administrators
• We facilitate the request for proposal (RFP) process, educate/inform, implement and assist with plan changes, and provide ongoing support
• We review and summarize the proposals received in an easy to understand format
• We assist with employee meetings
• We assist in designing communication pieces for your employees
• We work closely with a compliance attorney to assist our clients on legal/regulatory issues
• We work with a human resources consulting firm to provide you with trustworthy HR experts
• We investigate and help resolve service issues as they arise
• We have creative ideas to help provide financial security to you and your employees
• We are an extension of your management team
• We provide educational seminars for our clients
• We meet with our clients and the insurer to review plan performance and to plan for the future
• We begin the renewal process early in order to review and discuss options for the upcoming plan year
• We are informed on current events and legislation impacting employee benefits
• We have a team of experts ready to help you through day-to-day employee benefit administration

Employee benefit planning is complex.  Employee benefits are expensive, for the employer and the employee.  They are a highly visible part of your compensation package and they are an important part of attracting and retaining employees.  With the financial and emotional attachment to employee benefits, doesn't it make sense to put a qualified team, motivated by your satisfaction, to work for you?  Five key components in evaluating the right firm include:

• EXPERIENCE - Years of experience is one way to measure experience.  Background is equally important, including experience in all seats at the employee benefit table.  Our team has experience on the carrier level, the employer level as an employee responsible for managing benefits, as an employer making decisions and providing benefits, and of course as a broker.  Our experience allows us to see issues from all sides, which enables us to better solve problems more efficiently than our competitors.
  
  
• REFERENCES - Please check our references.  Our current clients are our biggest advocates.
  
  
• PRODUCTS - We represent all the major carriers in the marketplace for all lines of coverage.
  
  
• CREDENTIALS & DESIGNATIONS - Continuing education is extremely important in the world of benefits.  That is why we are involved in professional associations and continually strive to educate ourselves.  After all, our clients rely on us to educate them.
  
  
• COMPENSATION - We earn our income primarily on a commission basis.  In the under 100 employee market these commissions are almost always non-negotiable and premium paid includes commissions.  In the over 100 employee market commissions can be negotiated.  We are also a licensed "Consultant", which means we can do fee for service project work.  We, like you, are in business to make a living, we are proud of the work we do, and we earn our compensation.  We are not afraid to talk to you about the revenue that your account generates for our firm.

We work hard for our clients and do everything within our power to help employers control costs and establish a relationship that benefits employees.  Put us to the test and don't settle for not having your needs put first. 

HR Answers - Contact Client First Group, Inc. today to learn more about the Advantage Plan Program through HR Answers.

Regulatory Compliance Resources, LLC - we work closely with this law firm to assist our clients on legal/regulatory issues. 

COBRA Aid, COBRA On Que, and Inifinisource - There are a variety of ways to manage your COBRA obligation. If your company is subject to COBRA, you will want to seriously consider using third party administration or some type of software program to assist in the process. We will discuss the options available to you and you can decide what solution best meets your needs.