Benefits that build better teams
A well-designed package helps you attract good people, keep them and support a healthier team without losing control of cost. Tell us about your company and we'll design a program around it.
Groups of 2 to 250+ · Plan design and enrollment · Year-round support
A consultative start, not a stack of quotes
We start with your business, your budget and your people, then design a benefits strategy that balances real coverage with cost. As an independent broker, First Underwriters compares carriers, handles enrollment and compliance, and stays involved all year, so a program that fits a team of five works just as well at five hundred.
Sketch the package you have in mind
Pick your size and what you'd like to offer. A starting sketch, not a plan — we'll confirm design, contributions and carriers with you.
Your operation
Select everything that applies.
Coverage that typically applies
4 coverages — a starting point for a conversation, not a quote.
- Group healthThe cornerstone — PPO, HMO and HDHP options across carriers.
- DentalPreventive, basic and major care with large networks.
- VisionExams, frames and contacts — a low-cost benefit employees value.
- Level-funded optionPredictable cost with refund potential for healthier groups.
What each benefit does
Group Health
The foundation of any program. Several plan designs let you balance the premium your company pays against employees' out-of-pocket cost.
- PPO, HMO and HDHP options
- HSA pairing
- Flexible employer contribution strategies
- Regional and national carriers
Dental
A benefit employees use every year, from preventive cleanings to major work, with orthodontia options for families.
- Preventive care commonly at 100%
- Basic and major services
- Orthodontia options
- Large provider networks
Vision
An affordable benefit that ranks high with employees — annual exams plus allowances for frames, lenses and contacts.
- Annual eye exams
- Frames and lenses allowance
- Contact lens coverage
- LASIK discounts
Life
Employer-paid basic life gives families a financial cushion, and employees can add voluntary coverage.
- Group term life
- Voluntary / supplemental life
- AD&D coverage
- Dependent life options
Disability
Replaces part of income when an employee can't work. Short-term covers the near term; long-term picks up if the absence runs long.
- Short-term disability
- Long-term disability
- Voluntary buy-up options
- Return-to-work support
Retirement
Helps employees build their future and gives you a retention tool, with 401(k) and SIMPLE IRA options and sensible match strategies.
- 401(k) plans
- SIMPLE IRA
- Employer-match strategies
- Investment education for staff
A clear path from first call to renewal
Discovery and analysis
We learn your culture, budget and team, review any current plans and find where there's room to improve.
Market and design
We compare multiple carriers and design plan options that balance coverage with cost, shown side by side.
Present and educate
We walk you through the trade-offs, answer every question and help employees understand their choices.
Implement and enroll
We handle enrollment meetings, paperwork and carrier coordination for a smooth rollout.
Ongoing support
We're available all year for employee questions, claims issues, life events and compliance.
Annual review
Each year we review plan performance and the market and recommend adjustments to keep the program competitive.
Request your benefits consultation
Tell us about your company and we'll prepare a customized benefits analysis. No obligation — we'll follow up within a business day.
- Carriers compared side by side
- Enrollment and compliance handled
- Year-round support
Have a current benefits summary or renewal? You can email it to info@firstunderwriters.com after you submit.
Descriptions are general summaries for education and are not a statement of coverage, an offer or a binder. Plan availability, eligibility, networks, contributions and pricing vary by carrier, group size and underwriting.