Integrated Insurance Brokerage Services That Deliver

An insurance agency typically represents one insurer or a limited group of insurers, while a brokerage can evaluate coverage from multiple carrier partners on a client’s behalf. A brokerage helps compare plan designs, networks, premiums, funding methods, and administrative requirements. Franklin Benefits Group uses its carrier relationships and market analysis to guide employers, individuals, and seniors toward coverage that aligns with their priorities.

Integrated insurance brokerage brings related decisions into one coordinated strategy rather than treating each policy separately. It can include group health coverage, dental, life, disability, voluntary benefits, Medicare guidance, HR technology, compliance resources, and employee communication. This approach helps employers see how plan design, contributions, administration, and workforce needs affect one another, making benefits easier to manage and explain.

Yes. Franklin Benefits Group provides renewal management that can include reviewing current plan performance, comparing carrier and funding options, evaluating employer contribution strategies, and preparing employee communications. The team can assess fully insured, level-funded, self-funded, HSA-compatible, and other plan structures. Ongoing advisory support helps employers address questions that arise before, during, and after the renewal period.

In many cases, yes. An employer can appoint Franklin Benefits Group through a Broker of Record letter during the plan year without waiting for renewal or changing the existing plan immediately. This allows the team to conduct an in-depth market analysis, request quotes where appropriate, and begin providing service. The exact process depends on carrier requirements and the employer’s current arrangement.

Available voluntary benefits may include accident, cancer or specified illness, hospital indemnity, life, disability, vision, pet insurance, GAP coverage, and employee discount programs. These benefits can complement core medical coverage and are often employee-paid through convenient payroll deductions. Some products may offer group pricing, portability, or pre-tax deductions when applicable, helping employees tailor protection to their personal circumstances.

An Individual Coverage Health Reimbursement Arrangement, or ICHRA, lets an employer set a defined reimbursement budget for eligible employees’ individual health insurance premiums and qualified expenses. Employers can vary reimbursement amounts across permitted employee classes, subject to applicable rules. Franklin Benefits Group helps with plan design, contribution schedules, employee communications, geographic considerations, and compliance so the arrangement is structured and administered appropriately.

Yes. Franklin Benefits Group helps individuals compare Original Medicare, Medicare Supplement plans, Medicare Advantage plans, and Part D prescription drug coverage. Guidance considers provider networks, prescription formularies, prior authorization requirements, premiums, out-of-pocket limits, travel needs, and expected healthcare use. The team also provides personalized coverage reviews and support during the Medicare Annual Enrollment Period through the PlanEnroll platform.

Support continues beyond enrollment. Franklin Benefits Group assists clients with benefit questions, claims concerns, renewal preparation, employee communications, compliance resources, and plan administration needs. Employers can also access HR and benefits technology tools for onboarding, online enrollment, reporting, training, and workforce documentation. This year-round model helps clients respond to routine questions and changing requirements with a knowledgeable advisor involved.