Have you ever wondered if your benefit advisor is truly objective and has the capacity to deliver innovative solutions? One way to find out is to get other benefit advisors to provide quotations and free advice. But free sales advice is rarely truly objective. And then there's the problem that with multiple advisors asking for quotes you lose credibility with the few benefit suppliers that are well suited to your plan design and demographics.
A better way to answer the question is to get an objective second option from an independent benefits advisor.