Choices are great, right? With choice comes freedom but, with freedom, comes accountability. In the context of insurance, however, choices often provoke anxiety or fear because people are worried that they'll make the wrong choice. 

It's no different for employers. They want to make the right choice in providing benefits to their employees but often don't have the expertise themselves to weigh all the options. This is where you come in. 

Some key questions a broker should ask an employer include:  

• What is the employer's objective for offering benefits?
• What would other similar employers offer for benefits?
• What do the employee's want? And, what do they need?
• How much is available to spend on insurance?

Few small to medium-sized employers can offer everything so where do they begin? Well, to start, medical insurance and retirement plans are likely the highest priorities for both employers and employees alike. Those should be the first order of consideration. But what comes next?