What Is Long-Term Care Insurance and How It Works for Your Clients
Long-term care insurance continues to be an important part of retirement and risk planning, yet many clients have a limited understanding of what it covers or when it pays. As a br
How CFOs Can Control Self-Funded Pharmacy Costs
Pharmacy costs are rising faster than many other components of employer health spending. For self-funded groups, these increases are even more difficult to ignore because every dol
What Every CFO Needs to Know Before Group Benefits Renewals Hit
Why: Timed for peak benefits season (Oct/Nov) and relevant to economic uncertainty. SEO-friendly keywords: group benefits renewals, employee benefits cost control, health insuranc
How CFOs Can Lower Their Workers’ Comp Experience Modification Factor (X-Mod) and Cut Premium Costs
Workers’ Compensation costs are climbing again.In 2025, rate filings across multiple states show average premium increases between 5–9%, driven by rising medical costs, higher
Health Savings Accounts (HSA): A Broker’s Guide to Adding Client Value
A Health Savings Account (HSA) is a powerful financial tool that helps employees manage out-of-pocket health care costs while also providing tax advantages. For brokers, HSAs prese
401(k) Fees: What’s Reasonable? A CFO’s Guide to Benchmarking Costs in Mid-Market and Large Companies
One of the most common questions from finance leaders is simple: what’s a reasonable 401(k) fee? The answer isn’t one-size-fits-all but benchmarking fees, understanding what dr
Compare Insurance Premiums: Group Health Plan Comparison Engine
Why Comparing Group Health Insurance Premiums Matters Group health insurance is one of the largest recurring expenses for businesses. Yet, many companies rarely revisit their cover
Comprehensive Insurance Audit: Save Money on Health, Retirement, and P&C Costs
When it comes to managing business expenses, insurance often represents one of the largest and least understood cost centers. Health benefits, retirement plans, and property and ca
Case Study: When Your Insurance Company Drops You, PolicySmart Picks You Up
How PolicySmart helped Palazzo Interiors stay in business. Meet Anthony Sevilla Owner, Palazzo Interiors | New York CityA boutique, full-service furniture dealership, Palazzo Inter
Are You Paying Too Much for Your 401(k), Defined Benefit, or Pension Plan? 5 Questions Every CFO Should Ask
For CFOs, retirement plan costs are often buried under layers of complexity: provider fees, investment expenses, actuarial assumptions, and administrative charges that are difficul