Workplace Insurance That Works for employees — and Business
We partner with business owners, c-suite executives, HR leaders, & their advisors to enhance workplace benefits offerings, reduce administrative friction, and improve outcomes at the moment of need.
Insurance That Moves With People
Whether employed, in job transtion, or retired — people deserve a protection plan that fits their unique financial journey. We help individuals and families align their personal coverage with workplace benefits and long-term goals.
The Journey to delivering ProActive™ solutions
Turning two decades of insight into real-world solutions
After more than 20 years of helping employers and their employees manage risk, we recognized a critical disconnect: workplace and personal insurance are rarely coordinated — leaving individuals exposed, benefits underutilized, and legacies at risk. Too often, people believe their employer coverage is enough, while families face claims confusion when it’s too late to correct the gaps. Employers, meanwhile, are tasked with offering meaningful benefits while navigating compliance, cost, and complexity. INSURANCE ProActive™ (INSRPRO™) was created to bridge that gap.
We align workplace and personal coverage into a unified strategy — one that empowers employers, supports individuals, and protects what matters most at every stage of life. It’s more than a plan. It’s a ProActive™ system designed to evolve with life, team, and legacy.
Employers
Modern benefits delivery that fits your workforce
Employees
Get the most out of your benefits—and your paycheck.
Advisors & Brokers
Enhance your offering without adding overhead.
Business Owners & Individuals
Protect what you’ve built and plan for what’s next.
Design Smarter Workplace Benefit Plans
We help organizations identify coverage gaps, enhance benefit offerings, and deliver insurance solutions that support both their people and their bottom line.
Compare Top Carrier Options
Get quotes from reputable insurers or work with your advisor to find the right coverage mix—without overcomplicating the process.
Educate & Engage Employees
We simplify enrollment, improve plan understanding, and support employees with clear communication and resources.
Add Proactive Claims & Legacy Support
Reduce HR burden and ensure loved ones are supported through Beneficiary ProActive™—a smart solution for managing beneficiaries, legacy plans, and post-claim navigation.
Empower Individuals with Personalized Coverage (Direct Clients)
Not working through an employer? No problem. We offer one-on-one insurance planning, gap analysis, and retirement transition support tailored to your unique needs.
Support Business Owners & Succession Plans
We work with business owners on informal valuations, buy-sell funding, key person insurance, and personal protection strategies to align their business and legacy goals.
Process
The simple method behind our success
01
Discover
We listen to your needs, from both sides of the table.
Whether an employer seeking to modernize insurance benefits or an individual needing clarity on protection, we start with a discovery session focused on where you are today — and what may be missing.
02
Analyze & Align
We uncover what’s working — and what’s not.
We evaluate current workplace benefits and individual coverage to identify gaps, inefficiencies, or exposure. For employers, that means benchmarking and strategy. For employees/individuals, it means understanding how group and personal protection complement each other.
03
Strategize
We build a plan tailored to your goals.
Employers receive a customized benefits roadmap with actionable recommendations. Employees/Individuals get a personal protection strategy that works with — not against — their workplace benefits. Both get solutions designed to align stakeholders and secure legacies.
04
Activate & Support
We implement with care — and stay with you.
From onboarding to claims, we provide the tools, education, and proactive support you need. That includes coverage placement, plan coordination, and ongoing access to Beneficiary ProActive™ technology for long-term legacy and claims confidence.
Success Stories
What Happens When Insurance Is Aligned, Not Assumed
“INSURANCE ProActive helped us completely rethink how we approach our employee benefits. They didn’t try to sell us more — they helped us make what we had work better. The future integration with Beneficiary ProActive will take so much pressure off our HR team during claims. It’s a game-changer.”
— HR Director, Mid-Sized Manufacturing company
"I was worried about what would happen to my savings after I’m gone—especially with multiple accounts and no clear plan in place. Scott stepped in and helped me organize everything, made sure my beneficiaries were clearly documented, and gave me peace of mind knowing my legacy is protected. I feel more confident about my future and my family’s security thanks to his proactive guidance."
— Rodney R, Retiree
“I had coverage through work for years but never really thought about what would happen if I left or if something changed. INSURANCE ProActive helped me understand where I was exposed and built a plan that fills the gaps my employer coverage never addressed. Now, I finally feel in control of my financial protection.”
— Marcus L., Marketing Professional
