Tell us what’s in front of you.
A renewal you don’t believe, a carrier that has gone quiet, a plan that no longer fits the people on it. Start there — you don’t need to know what you’re asking for yet.
Three offices, twenty-six states.
Michigan is home. The licensing is not — so a population that crosses state lines does not need a second broker.
Michigan
41000 Woodward Ave, Suite 350 East
Bloomfield Hills, MI 48304
248.370.8853
Colorado
Colorado Springs
719.425.2649
Texas
Houston
281.404.5670
Four documents, and we will tell you what they actually say.
The renewal letter, your current plan summary, your contribution split by tier, and your enrolled counts by tier. Two more if your group is 50 or more.
No obligation and no pitch deck. If you do not have all of it, a one-page authorization lets us request the missing pieces from your carrier directly, and that is not a broker of record letter.
What each document is, where to find it, how long a quote takes at your size and why, and what happens to what you send: it is all on one page.
A conversation, not a proposal.
We read it first
Before anyone calls you, someone who works with these documents all year reads what you sent.
Then we talk
What the renewal says, what is driving it, and which parts of it are actually negotiable.
You decide what happens
If there is nothing worth changing, we will say so. A second opinion that always ends in a sale is not a second opinion.
Not a renewal? Tell us what you need.
A question, a second opinion, a plan that no longer fits — this reaches the same team as the phone does.
Prefer to call? See your office above, or email info@cfhic.com.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Bloomfield Hills, MI 48304
248.370.8853
719.425.2649
281.404.5670
Cookies on this site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.