Your premium went up. Restructure the plan, keep your best people.
Most companies either pay the increase or cut cover across the board. There's a third option. I look at your renewal the way a CFO would: what's driving the cost, what's in your control, and how to restructure so the money goes where your people actually see the value.
What usually drives a premium increase
Some of these you can't change. Some you can, and that's where the conversation starts.
Your claims experience
How much your people claimed compared with what you paid. A few large claims can move the whole renewal.
Changes in your team
Headcount, age profile and dependants covered all affect how your group is priced.
Medical cost inflation
Healthcare costs rise for everyone. This part isn't about you, but it helps to know how much of your increase it explains.
Plan design
Some benefits cost more than your people value them. Others are worth more than they cost. Design is where you have the most room.
How I approach itSpend where your people actually see the value
Restructure the plan around what your employees value most, so the same budget does more to keep the people who matter.
"Money should be spent where it matters. When I see a renewal notice, I want to know what's behind every line, and so should you."
What happens on the call
You pick a time
30 minutes, by video or phone. Have your renewal notice or current premium breakdown handy if you can.
We walk through the increase
What's driving it, what's in your control, and which benefits your people value most.
You leave knowing your options
Restructure, renew as is, or a mix. If renewing as is makes sense, I'll tell you.
Book your 30-minute call
Pick a time that suits you, or leave your details and I'll reach out.
30 minutes, by video or phone. You'll get a calendar invite with reminders.
I look at benefits the way a CFO would
I spent nine years in corporate life on the receiving end of best-in-class employee benefits. I saw first-hand how the right benefits keep good people in a company, often better than the usual salary adjustment.
So I start with the numbers: what your plan costs, what it's worth to your people, and what it saves you when they stay.
Before you book
Can you lower my premium?
Not always, and I won't promise it. What I can do is show you what's driving the increase, which parts you can influence, and what a restructured plan would look like, so you decide with the full picture.
Will restructuring mean cutting my staff's cover?
Not necessarily. The aim is to spend where it counts: a solid base for everyone, with the benefits your people value most protected, especially for your key roles. Every change is your call, with the trade-offs laid out.
Is this a sales call?
It's a conversation about your renewal. If renewing as is makes sense, I'll say so. If there's a better structure, I'll show you, and you decide whether to take it further.
My renewal is months away. Is it worth talking now?
Yes, whenever your renewal is. The earlier we talk, the more room you have to plan a restructure properly instead of rushing it in the weeks before renewal. If it's still a year away, we can map out what to adjust and when.