If you are considering getting group insurance for your union or for your employees, there is a good chance that you are making this decision in order to ensure that you are as covered as possible for an affordable cost. However, looking at cost is not going to be enough for finding the right type of group insurance for your company. It can be complicated and a good group insurance broker could make the entire process a lot easier. Here are some questions that you should ask yourself when choosing a group insurance broker so that you find one that is going to help you the best.

1. Does the insurance company offer discounts for health incentives at work?

If you are truly invested in the health and well being of your employees, there is a good chance that you want to make sure that you provide other incentives to them. You might offer reduced memberships at gyms or body fat improvement competitions at work in order to help further increase how healthy your employees are. You also want to make sure that you are reaping some of the savings from these programs in terms of your insurance plans. If you have a variety of health initiatives, your employees will be more healthy and therefore of a lower risk to insure. Make sure that you find a group insurance broker that will take your health initiatives into account so that you can get the same coverage for your employees for less money.

2. Does the insurance company request all of your data?

The next thing that you want to do is find a group insurance broker that is truly interested in the data that you have. The more data that you collect on your employees, the more accurately the prices that you offer your employees for insurance can match their true health levels, in many cases making it cheaper. Consider only working with insurance brokers that require you to collect information about your employees through professional third parties and then use the data to lower your rates. Be sure that you find an insurance company that is interested in your data in order to help you get the best rates possible and make insurance more affordable for your group.

For more information, talk to various group insurance brokers. They will be able to show you how much they value your information and your commitment to your employees' health. Check with places like Health Shop Inc for more information.