Essential Exchange Insurance Services in East Bay Area CA, Group Insurance, Health Insurance, Life Insurance
Categories: Health Care, Services, Insurance
Essential Exchange Insurance Services
Business Hours:
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FAQ on Changing Brokers
Do we have to change our benefit plan providers if we change our consultant or broker?

No. Changing your benefit plan adviser, whether it is a broker or consultant, does not mean that you have to change any of your insurance or service providers. If you are retaining a new broker you should confirm that the broker is, or will be, appointed with your existing insurers.

When is the best time to change benefit advisors?
If you are contemplating the appointment of new benefit adviser, you should make your decision and begin the engagement at least 6 months before your next renewal date. This will allow ample time for your new benefit adviser to build their files, learn about your needs, address urgent plan or provider issues, and lead you through an organized assessment of insurance, benefit and communication options.

What steps are required in changing a benefit adviser?
  1. Review any contract between your company and your existing benefit adviser.
  2. Identify any terms that address the termination of the agreement. In many instances, benefit brokers are retained via a simple Broker of Record letter, and termination provisions are not addressed.
  3. Formalize an agreement for professional services to be provided by your new benefit adviser. This is a good opportunity to ensure that an agreement beyond a Broker of Record letter is in place.
  4. Notify your existing benefit adviser(s) of your decision with respect to their services. While this is not mandatory, it is the professional thing to do.
  5. Execute a Broker of Record letter or Letter of Authorization for your new benefit adviser. This letter should address the effective date of the change and identify the actions your new benefit adviser is authorized to take on your behalf.
Your new benefit adviser should take responsibility for filing the Broker of Record letter or Letter of Authorization with your insurance carriers and service providers. This often requires that you provide the adviser with a comprehensive list of the contracts you have in force. Your new benefit advisor should be able to obtain copies of contracts and most other required data from your plan providers. In certain situations it may be prudent and quicker for you to provide this information.

How are broker commissions affected by a change in broker?
Most group insurance contracts require employers to pay premiums on a monthly basis. The insurance company or service provider then pays the Broker of Record according to the terms of a commission agreement. In most cases, the insurer will commence payment to a newly appointed broker beginning on the first of the month following the date of a change in the Broker of Record. In certain instances, commissions are vested with the broker who originally placed the insurance or investment contract. This vesting period can be as short as the remainder of the policy period, to as long as the balance of the life of the insurance contract. If you are compensating a new broker via commissions, it is important to understand how the commissions are affected by a change in Broker of Record.

Essential Exchange Insurance Services

Connecting better health
with better business

Essential Exchange Insurance Services, owned and operated by Principal Broker Cathy Little, assists clients in the design, procurement and ongoing management of turnkey benefit programs.  Cathy has over 15 years experience and has built a reputation for integrity, professionalism and unwavering client advocacy and service.  Prior to becoming an independent broker, Cathy built the foundations of her career with several prominent, top-ten national brokerage and insurance firms.

"My mission is to alleviate the burden of benefit administration for clients by being proactive, responsive, accurate, and professional in every situation.  I keep abreast of the market and don't wait for a renewal date to introduce my clients to new benefit concepts and industry trends; thereby ensuring that together, we can successfully meet their cost-containment and overall business objectives."

"Cathy provides a very high level of customer service that differentiates her from other brokers we've worked with.  She is a strategic HR partner and acts as an extension of our staff, making it easier for us to expertly plan and administer our employee benefits program."   Priscilla Mueller, Controller, Marina Auto Group

Benefits Administration Services

To help clients maintain a competitive benefits program that is valued by employees, Essential Exchange Insurance Services has developed a unique set of tools and processes that assist us in fulfilling our role as your trusted adviser and advocate. 
Our goal is to alleviate the burden of benefit plan administration so our clients can focus on growing their business to its fullest potential and receive the absolute most for every dollar invested in their employee benefit programs.
Our core service pairs leading edge technology, benefit communication and HR/compliance support that takes your employee benefit program to the next level.  See our Products & Specials tab for more details.  We have access to ALL of the Insurance Carriers offering health & ancillary products in California & Oregon.  Our comprehensive suite of services encompasses:

  • Strategic Benefits Consulting
  • Employee Communications
  • Employee Advocacy Services
  • Technology Solutions for Benefit Plan Administration
  • Vendor Selection, Management & Negotiations
  • Compliance & Legislative Guidance
  • Strategic Business Partnerships

Solutions & Expertise

Internal Expertise & Services Include:
  • Core Health & Welfare Benefits
  • Group Life & Disability Benefits
  • Voluntary Benefits & Concierge Services
  • Consumer-Driven Healthcare
  • Private Client Insurance
  • Alternative Funding Arrangements
  • Worksite Wellness Programs
  • Pre-Paid Legal
Strategic Business Outsourcing Solutions Include:
  • HR Consulting
  • Cobra, Flex Plans and Payroll  Services
  • Care Counsel Employee Advocacy
  • International Benefits
  • Executive Benefits
  • Worker's Compensation
  • Other Commercial Coverages
  • Retirement Services
  • Long Term Care
Categories: Health Care, Services, Insurance
Health Care
Business Type: Family Planning
Business Type: Business and Professional
Business Type: Consulting
Business Type: Agency
Business Type: Life
Business Type: Medical
Free Quotes: Yes
Licensed: Yes
Contact Business
By phone: 925-984-5400


Essential Exchange Insurance Services

Cathy Little

Brentwood CA 94513
Fax: 925-634-4740

CA Lic.# 0C99062

Mailing Address

1145 2nd Street, Suite A269
Brentwood CA 94513

Essential Exchange Insurance Services — Health Care, Services, Insurance — Brentwood

Products: retirement planning, group health insurance, life insurance, individual insurance plans, pre-paid legal, long term care planning, employee communications, hr consulting, payroll services, prepaid legal
Services: life insurance specialist, health insurance, retirement planning, group insurance, insurance plans, hr consulting, long term care, payroll services, prepaid legal, employee communications
Specialties: health insurance, life insurance, group insurance, retirement planning, insurance broker, insurance consultant, long term care, hr consulting, payroll services, prepaid legal, workers compensation
Business Types: Insurance, health insurance, group insurance, life insurance, insurance broker, insurance services, long term care, welfare planning,
Additional Information: insurance services, insurance broker, health insurance, life insurance, group insurance, insurance consultant, group health insurance, benefits consulting, long term care, prepaid legal, employee communications, retirement savings, workers compensation
Service Area: Bay Area ca, east bay area ca, brentwood ca, antioch ca, concord ca, danville ca, discovery bay ca, walnut creek ca, alamo ca, orinda ca, oakland ca, pittsburg ca, pleasant hill ca, lafayette ca
Brands Offered: anthem, blue cross, medicare, blue shield
Business Tagline: Connecting better health with better business
Zip Codes: 94513, 94561, 94514, 94505, 94583, 94509, 94531, 94506, 94526, 94507, 94563, 94595, 94596, 94597, 94598, 94518, 94519, 94520, 94521, 94522, 94523, 94517
Payment Methods:
posted by essentialexchangeinsurance