3to99 offers clients in the small to medium business community a complete suite of insurance and benefits products and services designed to help you recruit and retain the best people.

Every business owner understands the importance of employee benefits and how they contribute to your success in recruiting and keeping top performers.  Our team will work with you to design an insurance and benefits program that matches your business needs and fits your budget. We don’t get paid for selling insurance, we get paid for serving you and making sure that the products you pay for and the service we provide are matched exactly to your needs and the needs of your employees.

Employee Benefits Strategies:  Our approach to serving  your business is not to sell products or services first.  We look at every business as if it were our own and offer every client strategic solutions and options that fit the business and its culture. People matter.  Their benefits program should not be some pre-programmed, off the shelf, one size fits all solution.  At the same time, it should not be so complex that the people it is supposed to serve and support can’t understand it.  Our benefits strategies match the needs and culture of your business to the options available.

Building a great benefits strategy starts with understanding your options. You have choices. Will you offer Employer Funded benefits? What Voluntary benefits will you make available? What products will you include as core benefits and will you also offer supplemental benefits? Every answer impacts the quality and effectiveness of your plan. Our benefits strategy team takes the mystery out of the process and helps you understand the options and make the decisions.

The products we offer are designed to provide security and help you and your team be prepared for anything life sends your way.