WELCOME TO "YOUR TOTAL BENEFITS SOLUTION"

"At CBG, we simply offer the Most Comprehensive Group Heath Plan Designs at the Lowest        Possible Premiums."

What makes CBG a unique Benefit Broker ?

  Custom Benefits Group ( CBG ) is one of the few truly remaining "Independent" Employee Benefits Brokerage Agencies in the marketplace. The Employee Benefits Brokerage market had been highly fragmented and an exceptionally competitive industry. As a result, growth has been fueled by a Massive M&A consolidation of these smaller fragmented Agencies by larger commercial firms. Once a part of these larger entities these formerly "Independent" firms become institutionalized. This institutional process inevitably leads to the dilution of services and attention as the acquired firms are focused primarily on growth, often at the expense of their existing book of business.
 

 Unlike the larger Agencies, an "Independent" Agency like CBG answers to no one and retention and persistency are critical to our overall business plan.  Unlike many of these larger commercial Agencies, we do NOT direct business to "Preferred Providers" nor do we have any incentive or preferred "Selling Agreements" with any specific providers. At CBG, we believe that a broker's allegiance should be to their client and the free-market, NOT to any internal or "preferred providers".
 

  CBG also uses its own proprietary algorithm that helps us deliver the most competitive rates to our clients. This is particularly important during the renewal process because our algo. identifies pricing and plan design anomalies from the competition - this is critical as the incumbent Insurance Provider will NOT reduce the original renewal rates unless faced with competitive data. Few brokers take the time to ensure that the competition lines up exactly with the incumbent's plan design. Failure to perform this task may make the competition appear less competitive and the incumbent less inclined to reduce their renewal rates.