ClearPlan
Modern broker for New Jersey employers of 25-1,000+

Get the analysis your renewal email never included.

Send three documents you already have. We'll review your plan, show whether a smarter way to fund it looks worth a closer look, and tell you the truth either way. No cost, no obligation, no disruption to your plan while we look.

Analysis in days No lock-in Zero plan disruption
Built around 3 documents you already have
A licensed benefits expert replies - not a quote bot
If there's no opportunity, we say so - no meeting required
Same-day replies

Request your free analysis

About five minutes to request. We handle the analysis. Same-day replies.

No cost, no obligation. We only meet if the numbers are worth your time.

Before you wonder, here's the honest version.

The reasons people hesitate are fair. Here's the straight answer to each one, before you ask.

We already have a broker.

Most companies your size do. The only question worth asking: at your last renewal, did they show you the claims data behind your number, or just the number? A second opinion on your own data costs you nothing.

What's the catch with free?

There isn't one. A broker's pay is already built into your premium - you're paying it right now whether your broker earns it or not. Name us and that same money does the work it's meant to: real analysis, real shopping, real service. It costs you nothing extra.

Does signing anything lock me in?

No. The Broker of Record letter that names us as your benefits broker is reversible at any time - reassign it to anyone, or back to your old broker. It doesn't change your plan, your network, or your cost. It's an authorization, not a lock-in contract.

We don't have time.

That's the point. Request takes about five minutes. Built around three documents you already have. We do the analysis. You only spend time with us if the numbers are worth it.

What happens next

No long process. Three steps, and you stay in control of every one.

1

Send three documents

Your current plan summary, a census, and your last renewal - usually about five minutes of your time.

2

We run the analysis

At no cost, usually in days. Side-by-side options. If there's no opportunity, we'll say so - no meeting required.

3

A short call

Only if the numbers are worth it. Focused, plain English, with a licensed benefits expert. You decide where it goes from there.