In today’s competitive business world, offering a strong group benefits plan is one of the most effective ways to attract and retain top talent. These programs not only protect your employees’ health and well-being, but they also help you maintain a motivated, loyal workforce.
Unfortunately, with the value of these plans comes unwanted attention—especially from unsolicited sales calls. If you’ve ever received a cold call promising significant savings on your group benefits plan, it’s important to proceed with caution. While the idea of cutting costs may be tempting, these calls can put your company and your employees’ coverage at risk.
This guide will help you recognize the red flags, understand the risks, and protect the integrity of your benefits program.
1. Start With Your Trusted Advisor at Norbram
Before making any decisions about your group benefits plan, consult with your trusted benefits advisor. At Norbram, we know the details of your current coverage and can assess whether an offer is legitimate or simply a marketing tactic to gain your business.
We’ll evaluate potential changes with your company’s financial goals and your employees’ needs in mind—helping you avoid costly mistakes that could impact coverage and satisfaction.
2. Remember What’s at Stake – The Integrity of Your Plan
Your group benefits program isn’t just a line item in your budget—it’s a cornerstone of your employees’ compensation. Cold callers may promise substantial savings, but those offers often come with trade-offs: reduced coverage, service disruptions, or compliance issues.
Instead of focusing solely on the lowest cost, prioritize value and stability. Cutting corners could jeopardize the coverage your team relies on for their health, retirement, and financial protection.
3. Scrutinize the Source of the Call
Not all offers come from credible providers. Some third-party brokers or aggressive sales agents target companies with deals designed to push them toward a particular carrier—often without a full review of their current plan.
When you receive such a call, ask:
Who are they? Can they provide a verifiable business name, website, or physical address?
What’s their agenda? Are they selling a product or just trying to switch your broker or carrier?
Can they be trusted? Check reviews from reputable sources like the Better Business Bureau or your local Chamber of Commerce.
A legitimate insurance professional builds relationships through transparency—not unsolicited promises.
4. Weigh the Long-Term Impact, Not Just the Immediate Savings
Switching providers without a thorough review can have lasting consequences: employee confusion, claim processing delays, training disruptions, or even hidden fees.
If an offer sounds too good to be true, it often is. Savings may come from cutting essential services, reducing benefits, or locking you into restrictive contracts. Always look beyond the short-term numbers.
5. Educate Your Employees on Protecting Their Benefits
Your employees should know exactly who to contact for benefits-related questions and be aware that legitimate plan changes will always be communicated by your trusted advisor—not a stranger on the phone.
Employee awareness helps prevent misinformation and reduces the risk of disruption to their coverage.
6. Common Red Flags in Benefits Cold Calls
Be cautious if you hear any of these tactics:
Urgency: “Act now—this offer expires soon!”
Unrealistic savings: “We can save you 20% or more with no drawbacks.”
No credentials: The caller avoids sharing their company name or licensing details.
Lack of transparency: Vague answers and refusal to provide written documentation.
If you encounter these signs, hang up and report the incident to your local consumer protection agency.
Protect Your Company and Your Employees
Your group benefits plan is too important to gamble on an unsolicited sales pitch. Always research any offers thoroughly, consider the long-term implications, and consult with experts you trust before making changes.
At Norbram, we’re here to help you navigate these situations, safeguard your benefits program, and ensure your employees’ coverage remains stable and reliable.
If it sounds too good to be true, it probably is. Stay informed, stay protected, and keep your employees’ benefits safe by working with advisors who have your best interests at heart.
