A First Conversation Is a Short Call, Not a Pitch.
We talk about what you have, what worries you and what you want. You do not need documents to start, and nothing about the call commits you to anything.
Most employers are not sure whether a benefits firm is worth a conversation. The call is how both sides find out, so we keep it short, specific to you and free of pressure. You can test your own figures with our health plan quote comparison calculator.
What Is Actually True About a First Conversation
What Is Actually True
- It is a short call about three things: what you have today, what worries you about it and what you want it to do.
- No documents are required to have it. A renewal or plan summary helps if you have one to hand, and it can wait for later.
- The goal is a shared view of whether a closer look is worth your time, not a sales presentation.
- Both sides usually learn most of what they need in the first conversation.
What CFH Does About It
- We tell you what we would look at and what it would take.
- We tell you if a simpler route, such as a quote comparison alone, would serve you better.
- We offer a written read you can keep whether or not you hire us.
- We keep the first conversation free of pressure.
How the First Conversation Goes
Four moments, from before the call to what you walk away with.
You do not need to prepare. Bring what is on your mind, and the renewal or plan documents only if they are easy to find.
What we do about it: We ask nothing of you in advance, so the call is about your situation and not about paperwork.
The conversation covers what you have, what worries you and what you want, in your words.
What we do about it: We listen first, ask what we need to understand the program and say plainly what we see.
You should leave knowing what a closer look would involve and whether it is worth doing.
What we do about it: We can follow with a written read you keep, whether or not you hire us.
Some employers are better served by a simple quote comparison, or by staying where they are.
What we do about it: We say so, and we explain why, rather than stretching a conversation into an engagement.
Questions Employers Ask Before the First Call
Do We Need to Bring Documents?
No. A renewal or plan summary is useful if you have one, but the first call is about your situation and does not require paperwork.
Will We Be Pressured to Switch?
No. We keep the first conversation free of pressure, and we will tell you if staying where you are is the better answer.
What Do We Walk Away With?
A clear view of what a closer look would involve, and if you want it, a written read you can keep whether or not you hire us.
Your First Conversation: The Detail
A first call is about listening. These are the points we cover.
Your Workforce and Goals
We start with who works for you and what you are trying to achieve.
Your Current Plan
We look at the renewal and the structure of your benefits.
Your Concerns
Cost, compliance, administration, or employee complaints. We ask what keeps you up.
Next Steps
We explain what we would do and what we would need. No pressure.
Common Questions About the First Conversation
How long is it?
It depends on your situation. We will agree on the time when we schedule it.
Who should attend?
Whoever makes benefits decisions, such as HR, finance, or the owner.
What should we bring?
Your renewal and plan summaries if you have them.
Is it free?
We will explain how we work and how we are compensated before you commit to anything.
Will you push us to switch?
No. We tell you what we see.
Do you ask for our broker’s name?
Only if relevant. Your relationship is your business.
What happens afterward?
We tell you what we saw and what we would suggest as a next step.
Can we keep it confidential?
Tell us what you need kept confidential and we will discuss it before you share documents.
How do we schedule?
Use the booking link or contact form.
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.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
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