Our marketing process is designed for efficiency without sacrificing thoroughness. We don't waste your time with unnecessary meetings or create administrative burdens with endless data requests. Instead, we work proactively—anticipating carrier requirements, and managing the entire process so you can focus on evaluating options and making strategic decisions.

What streamlined and proactive means for you:

• Single, comprehensive data gathering at the start—no repeated requests
• Parallel market activity that compresses timelines without cutting corners
• Proactive communication keeping you informed at every milestone
• Clear presentation of results that facilitates quick, confident decision-making
• Seamless coordination from marketing through implementation

We don't take a one-size-fits-all approach to market selection. Before engaging carriers, we conduct thorough evaluation to determine which markets are most likely to deliver competitive terms for your specific situation.

Our diligence process considers:

• Your claims experience and risk profile
• Industry and geographic factors affecting carrier appetite
• Carrier network adequacy for your employee locations
• Financial stability and service reputation of potential partners
• Strategic fit with your program design and service expectations

This upfront analysis ensures we're targeting the right markets—not wasting time with carriers unlikely to be competitive or unsuitable for your needs.

Our unrestricted access means:

• National carriers and regional specialists competing for your business
• Specialty markets for unique industries or risk profiles
• Stop-loss markets ranging from large national carriers to regional capacity
• Emerging carriers and innovative products that may offer advantages
• Alternative funding arrangements and captive solutions when appropriate

You're never limited by our carrier relationships or contractual obligations. We present all viable options and help you evaluate them objectively.

Market access is important—market influence is invaluable. Vereo Partners maintains positions on broker advisory committees across all major carriers, giving us direct channels to carrier leadership, underwriting teams, and product development.

Competitive pricing doesn't happen by accident—it's the result of strategic positioning, market leverage, and thorough negotiation. We employ multiple strategies to ensure you receive the best possible terms:

Market Competition: We create genuine competitive tension by engaging multiple qualified carriers simultaneously, ensuring each knows they're competing for your business.

Strategic Positioning: We present your program in the most favorable light, highlighting strengths while proactively addressing potential underwriting concerns before they become obstacles.

Leverage Relationships: Our advisory committee positions and volume across carriers provide leverage in negotiations—particularly for mid-market clients who might otherwise lack negotiating power.

Creative Structuring: When standard approaches don't yield optimal results, we explore alternative structures—different funding arrangements, network configurations, or benefit designs that might unlock better pricing.

Advocacy & Negotiation: We don't accept first offers. Our team advocates aggressively on your behalf, pushing carriers for their best terms and negotiating improvements even after initial proposals.

Carriers price your benefits based on your claims experience, employee demographics, industry, location, and risk profile—not on your broker's size or book of business.

Our Approach:

• Strategic relationships that ensure your case receives proper attention with underwriters
• Market intelligence that helps us position your program optimally
• Negotiation expertise that partners with carriers to provide their most competitive offers
• Advisory committee access that provides direct channels to decision-makers

Optimal pricing often requires evaluating different funding structures—not just comparing fully insured premiums. Our expertise across all funding arrangements ensures we're exploring every avenue to minimize your total cost of risk.

We have deep experience with:

• Fully insured programs with carrier risk assumption
• Self-funded arrangements with customized stop-loss protection
• Level-funded programs combining self-funding benefits with budget predictability
• Partially self-funded designs for specific benefit categories
• Captive arrangements for larger or multi-entity organizations
• Hybrid structures that optimize cash flow and risk management

We evaluate which funding approach makes sense for your organization's size, risk tolerance, and financial objectives—then secure competitive pricing within that structure.