Insurance Services
Employee Benefits Planning
Help your team feel valued and protected — without the complexity. We design, manage, and support your benefits package from day one through every renewal.
Why It Matters
Benefits That Attract — and Keep — Great People
In today's job market, a competitive benefits package isn't a perk — it's an expectation. Businesses that offer strong group health, dental, and life insurance consistently outperform their peers in recruiting and employee retention.
But navigating the insurance market is complicated. Carriers, plan types, contribution strategies, ACA compliance, open enrollment — it's a full-time job on its own.
That's where we come in. Anderson Financial Group acts as your dedicated benefits advisor, handling everything from carrier selection to employee enrollment to year-round support — so you can focus on running your business.
The AFG Difference
Why Businesses Nationwide Choose Us
- Independent — we represent you, not the insurance company
- Access to all major Arizona carriers and plans
- ACA compliance guidance included at no extra charge
- Open enrollment support for your employees
- Dedicated local advisor — not a call center
- 20+ years serving businesses nationwide
What We Offer
Coverage Options for Your Team
We help you build a complete benefits package — from core medical coverage to supplemental options your employees will actually use.
Group Health Insurance
We shop all major carriers — Blue Cross Blue Shield, Aetna, UnitedHealthcare, Cigna, and more — to find the right medical plan for your team and your budget.
- PPO, HMO, and HDHP plan options
- Individual and family coverage tiers
- Carrier comparison and cost analysis
- Annual renewal review and re-shopping
Dental & Vision
Dental and vision benefits are among the most valued perks employees look for. We make it easy to bundle or offer them as standalone options.
- Preventive, basic, and major dental coverage
- Orthodontic riders available
- Vision exams, frames, and contacts
- Voluntary employee-paid options
Life & Disability Insurance
Protect your employees and their families with group life and disability coverage — a low-cost benefit that makes a big difference in recruiting and retention.
- Group term life insurance
- Short-term and long-term disability
- Voluntary supplemental life options
- AD&D coverage
Supplemental Benefits
Round out your benefits package with voluntary options that employees can elect and pay for themselves — at group rates they couldn't get on their own.
- Critical illness and accident insurance
- Hospital indemnity plans
- FSA and HSA administration guidance
- Employee Assistance Programs (EAP)
"We make benefits simple — for you and your employees."
— Todd Anderson, Founder & Principal Advisor
How It Works
Our Benefits Planning Process
From first conversation to ongoing support — here's what working with AFG looks like.
Discovery Call
We start with a no-pressure conversation to understand your business, your team size, your current coverage (if any), and your budget goals.
Market Analysis
As independent advisors, we request quotes from all major carriers in Arizona and analyze the options side-by-side — so you don't have to.
Recommendation & Proposal
We present a clear, plain-English comparison of your best options with a specific recommendation tailored to your workforce and budget.
Enrollment Support
We handle the paperwork, coordinate with the carrier, and walk your employees through their options during open enrollment — in person or virtually.
Ongoing Service
We stay your dedicated advisor year-round: answering employee questions, resolving billing issues, and re-shopping your plan at every renewal.
Who We Serve
Built for Small and Mid-Size Businesses
We work with businesses of all sizes — from 2-person startups to established companies with 200+ employees. Our sweet spot is the small and mid-size business owner who wants enterprise-quality benefits guidance without the enterprise price tag.
Common Questions
Frequently Asked Questions
How many employees do I need to offer group benefits?
In Arizona, most group health plans require a minimum of 2 eligible employees. Some carriers allow groups as small as 1. We can help you find options regardless of your team size.
How much does it cost to work with AFG?
Our advisory services are included in the cost of your insurance plan — we are compensated by the carrier, not by you. There is no additional fee for our guidance, enrollment support, or ongoing service.
Can you help if we already have a benefits plan in place?
Absolutely. We offer a free second-opinion review of your current plan. Many businesses find they are overpaying or have coverage gaps they weren't aware of. We can re-shop your plan at any renewal.
What is ACA compliance and do I need to worry about it?
The Affordable Care Act requires employers with 50 or more full-time equivalent employees to offer qualifying health coverage or face penalties. We help you understand your obligations and structure your plan to stay compliant.
How long does it take to set up a new benefits plan?
Most group plans can be set up within 2–4 weeks from the time we submit your application to the carrier. We manage the entire process and keep you informed at every step.
Ready to Get Started?
Let's Build a Benefits Package Your Team Will Love
Schedule a free, no-obligation consultation with Todd Anderson. We'll review your current situation, walk you through your options, and give you a clear recommendation — at no cost to you.