Originally Posted by kgmom219
2nd vote for Guardian.
And they "do" group so its not re-inventing the wheel. NYL can do it, but they don't have the group expertise.
NYL used to be pretty heavy in the group market. The were competitive in the very large group space and not so much the small group market. Over the years they have not remained that competitive and do not have the technology infrastructure for groups that guardian does. But from what I was told NYL at one time was the innovator & leader among the big mutuals in the group market. Of course times change!
I just recently started writing group benefits again. Guardian has been great to work with. And once you get one guardian product in, it is easy to get others in because of the bundled discount.
You can say "the life insurance will average $30/m by itself... but if you utilize guardian for dental & vision the average life premium will reduce to $25/m"
(as an example). Or you can just wait until the next years open enrollment to pitch the bundle idea once you have established trust.
And Guardian pays a level comp. You get less upfront, but it adds up to a lot more down the road vs. cinci life.