Founded in 1999, CMR & Associates is a strategic sourcing for property/casualty insurance, group benefits, and retirement plans. The CMR + PolicySmart service offers global insurance rate/coverage marketplace comparisons using our proprietary database. • PolicySmart offers immediate digital onboarding through our website portal. • CMR offers clients a concierge consulting model if better suited. We compare your current insurance policies and retirement package to provide options to improve coverage and reduce cost. Through our proprietary database, we maximize access to the retirement and insurance industry for greater options that will translate to better coverage and lower cost. We do not act as a broker nor do we sell products. Our compensation is derived by delivering improved quantitative and qualitative outcomes. The CMR Database® - comprised of some 13,000 brokers and specialists globally - provides maximized access to the retirement and insurance industry and creates greater options that can translate to better coverage and lower cost. Since 1999, we have saved clients over $120 million. Please visit us at https://www.policysmart.com/