“I often work with teams that are split into office and field, I have seen that most office people are okay with buy-up options with insurances, they have the money to cover premiums for better coverage, while my field teams want the lowest amount of money taken out of their paychecks, they want basic coverage that meets their needs with not too high of a deductible but the idea of little to no premium is key for them vs the office. I usually will survey my groups to see what they are looking forward to with their benefits renewals, this helps me to narrow down the needs and tailor what I can where I can.” – Kelly Loudermilk