We are a privately owned independent insurance agency, dealing in Employee Benefit Plans for businesses. As such, we sell and service group insurance products for companies with two or more employees on payroll. BenEx does not work for an insurance company; we work for you, our client! We serve as your agent and advocate in dealing with the insurance companies. Our agency works with over 25 insurance companies and employee benefit vendors to find the best insurance plan for you. The really good news is that we get paid by the insurance company which means all our services are inclusive to the premiums you pay to the insurance company. And NO, you cannot get lower premiums by purchasing direct from the insurance company. In fact, it will most likely cost you more. BenEx offers you complete employee benefit products with value-added services: * Medical (PPO, HMO, HSA) * Life and AD&D * Long and Short Term Disability * Dental and Vision * Voluntary Products (cancer, disability, life, etc.) * Long Term Care