When I first got into insurance, I didn't say, "I want to deliver worse news to my clients and their employees by delivering higher cost plans that provide less coverage each year." Yet, that is the position I found myself in. I hated that my clients and their employees dreaded my arrival each year.

I have spent the last few years vowing to change that.

So, I want to share some strategies that we deploy to lower costs, improve benefits, protect employers and employees, and bring in better news, options, and results each year.

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