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Why you should consider GEM Financial Group.
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  Benefit Plan Design

  Funding / Underwriting

  Plan Administration

  Market Survey

  Additional Services

  Our team

We are constantly looking for ways to improve our business and the level of service we can provide to our clients. One of those ways is by developing strategic partnerships with other businesses and organizations in the community that help us better understand and facilitate the needs of all we may work with , individual or organization, both now and in the future. If you, your company or someone you know could benefit from such a partnership, please contact GEM Financial Group for more information.


To ensure a successful employee plan we will conduct.

* Annual assessment to ensure funding methods remain appropriate

* Quarterly examination of experience reports

* Drug Utilization Reviews to uncover emerging trends and future needs

* Health and Dental Claim audits

* Annual assessments of: Administration Charges, Management Expense Charges, Inflation Charges, Reserves, Commissions, Stop Loss Charges and Taxes.

* Assess viability and opportunities for self funding arrangements and health spending accounts.

* Monitor, assess and compare reserve charges, reserve requirements, and interest charges/credits

* Monitor, assess and compare tax effectiveness of benefit plan funding and design.

* Assess opportunities for surplus/deficit recovery agreements


GEM Financial Group... planning tomorrows for over 40 years.
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