1.	We see our annual claims experience and know that our group insurance
          rates are fair based on our claims history.
	Yes____		No_____

2.	A market study has been completed within the last three years to test
          the competitiveness of our group insurance rates.
	Yes____		No_____

3.	We have completed an employee survey to determine which benefits are
          most important to our employees.
	Yes_____	No______

4.	We are confident that each insurance benefit in our plan is properly
          structured under the income tax act.
	Yes_____	No______

5.	We have had an employee meeting within the last two years to talk about
          our  group insurance program.
	Yes______	No_______

6.	Our insurance broker provides in-house administrative services so that
          we don't have to deal directly with our insurance company.
	Yes_____	No_____

7.	We understand the "cost plus" benefit and use it whenever possible.
	Yes______	No______

8.	We have a "direct pay" drug card for convenience at the pharmacy.
	Yes_____	No______

9.	We have looked at a "self insuring" proposal for our group insurance
          program.
	Yes_____	No______

10.	We understand the limitations of disability benefits and are confident
          that we are not paying premiums for benefits that we will not be able to collect.
	Yes_____	No______

If you answered "No" to more than 3 of the above questions you may want to
consider hiring a consultant to complete a thorough audit of your existing group
insurance program.  

Call us today at 421-2785 for a free consultation!