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PREMIUM EXCHANGE SERVICES

Since 1998, PP&B has been providing premium benefits and administration services to both public & private sector businesses, labor unions and large associations. Our premium collection capabilities allows for traditional payroll deduction, weekly & bi-weekly ACH Sweeps, credit, debit and pay card sweeps.

The dollars are held in a premium clearing account and uploaded directly to the respective carriers on a monthly basis. In 2014, PP&B processed in excess of 100 million dollars in tax & deduction money.

EMPLOYEE ADVANTAGES

  • Premium is deducted on pay-day
  • Insurance converage purchased is private
  • Portability is simple
  • More product choice by having multiple carrier options in one deduction
  • Pay by bank account, credit card, debit card or pay card

EMPLOYER/UNION ADVANTAGES

  • No more reconciling & paying voluntary benefit bills
  • Missed deductions are covered by member or employee’s bank or card account
  • HR office responsibilities reduced
  • Unions can offer members mroe benefits of their own choosing. Gaining payroll deduction from each employer location no longer necessary.

BROKER ADVANTAGES

  • Access more groups without the need for a traditional payrol deduction slot
  • Offer more products from multiple carriers
  • Persistency of business is greatly enhanced

INSURANCE CARRIER ADVANTAGES

  • Premium remittance
  • Policy terminiations are communicated promptly
  • Persistency of business is greatly enhanced
  • Increased participation, lowering adverse risk

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