Insured vs. ASO: What a Client Sees (1.0 CE Credit)

For many clients, the difference between a traditional insured benefits plan and an Administrative Services Only (ASO) plan isn’t immediately clear. Both can provide strong employee benefits, but the level of visibility, flexibility, and control over plan design and costs can be very different.

This session is designed to help advisors explain those differences in a way clients can easily understand. We’ll focus on what the client actually sees—from how they pay for benefits and manage claims costs to the amount of control they have over plan design, funding, and future changes.

Session dates:

• September 15 at 10:00 AM
• September 17 at 10:00 AM
• September 30 at 12:00 PM

We’ll cover:

• What a client sees under a traditional insured plan versus an ASO plan
• How each model impacts a client’s control over plan design and costs
• How premiums, claims and plan expenses are handled
• The role of risk tolerance when choosing between Insured and ASO
• How ASO can provide greater flexibility and cost transparency
• Common misconceptions clients may have about ASO
• How to position each option based on the client’s business needs
• Q&A session

This session is presented by The Benefits Trust, Canada’s largest independent third-party administrator, helping advisors provide clients with flexible benefits solutions and greater clarity around plan design and costs.