How it works
From your first call to your next renewal, here's exactly what working with CRBG looks like.
We start with a working session, not a sales pitch. We look at your current census, existing vendor contracts, budget, and what employees have actually been asking for. Most consults take 45–60 minutes, and happen before you've committed to anything.
We assemble a proposed package across the categories you want — health, wellness, life, pet, or any combination — sourced from our carrier network. You get a side-by-side comparison against what you have today, not a single take-it-or-leave-it option.
Employees enroll through one guided platform, with support from our team rather than a stack of PDFs. We handle the explaining, the deadlines, and the follow-up with anyone who hasn't finished enrolling.
After enrollment, we're the first call for claims questions, life events — new hires, terminations, dependent changes — and renewal planning, so your HR team isn't relaying messages between employees and four different carrier hotlines.
Initial consult and current-vendor review.
Plan design and carrier quotes across your chosen categories.
Proposal review — you compare the options against what you have today.
Employee enrollment window, typically open for two to three weeks.
Renewal planning begins roughly 90 days before your plan's renewal date, so there are no surprises.
No. Most employers start with one or two categories and add the rest later — health insurance and pet insurance are the two most common starting points, for very different reasons.
That's fine — we can wrap your existing carrier into the hub without switching it, and add other categories around it.
No obligation, and no pressure to switch everything at once.
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