We partner with a small cadre of global insurance carriers that, unbeknownst to most, have an extraordinary willingness and capability to develop group insurance programs that are anything but mainstream.
Their willingness to work with us is predicated on T&O and its affiliate Benefit Allocation Systems, LLC having a complete GROUP INSURANCE ECOSYSTEM; that is we have all the sales, support, and administration technology necessary to manage the full lifecycle of complex group insurance plans including implementation, communications with email, print and mailing capabilities, customized & personalized customer support, premium billing, accounting and remittance, and more!