Your Broker is Retired
He or she just hasn't told you yet. In a time before the double digit inflation of the 2000's, the life of a benefits broker was simple. Meet with your client once per year to discuss the renewal, note that the renewal increase was 5% or below, advise them to accept the increase, fill out the paperwork, and move on to the next one. At the very most, a benefits broker would "shop" the plan to other insurance companies to see if they could get a better rate. If they could get a