Polar IQ...Intelligent Insurance


Better Solutions, Better Service.

Our conceptual innovations fuel dramatics changes in your insurance strategies and benefits programs.  We help save clients’ money where other agencies and benefits companies have failed.

-- Extraordinary Service --

-- Health insurance savings --

-- Dynamic, unique, custom tailored Solutions --

-- Guarantee Savings Solutions --

 We reduce your costs; enhance your employee benefits.


paradigm. shifted.




Keep Your Money! 


Return on Investment

HOW WE ARE DIFFERENT: The financial world talks about a company's "return on their investment."  We talk about our clients keeping their money.  In many cases we help clients increase their profitability without spending more money, but rather, by reducing their current expenditures.  

We focus on your current costs and future liabilities.  By looking at the macroeconomic picture, we create more than a return on your investment...we help you Keep Your Money!

We help you Keep Your Money by:

  • Generating immediate savings
  • Creating time efficiencies
  • Diminishing financial & compliance liability
  • Controlling long term insurance cost trends

There are two primary ways that we help you keep your money, in your pocket:



Our team of experts and partners specialize in giving you back control over the cost of your insurance and employee benefits.   

Many of our new clients qualify for eligibility in our "No Savings...No Fee's program."





We provide immeasurable savings through our compliance capabilities, thereby decreasing your exposure around costly IRS or DOL audits and lawsuits.


The core component to our LIFE-CYCLE system provides an integrated system to make your company more efficient and more compliant--even integrating PPACA regulatory management so your company can be "Obamacare Proof".

ROI Detective


How much can we save you?

Click below to find out... 

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