Frequently Asked Questions:


You’ve got questions, and our specialists have answers. If you don’t see your question below, please reach out to us and ask. We are always happy to provide information to anyone with questions on their employee benefits, life and annuity, and property and casualty insurance matters.


How much will it cost?

Price depends on what you are looking for, how many employees you have, the kind of insurance you need and the benefits you want. One thing we can say is that we will help you find the most cost-effective plans available to your business, whether in New Jersey, New York or elsewhere in the United States.

How do I know if my current coverage is enough?

Employee benefits and insurance are our business and our passion. It has taken years to amass the knowledge and insight into these benefits plans. Our specialists’ trained eyes will be able to assess your needs and review your current plans to let you know what is working, what can be reduced, and what can be improved. Just contact us to set up an initial discussion.

Will I have to get all my policies through Competitive Advantage?

In your interactions with us, from your introductory call throughout the process, our specialists choose the plan options that will work for your needs and your business as you have communicated. You are under no obligation to purchase our plans. But it will make things easier for your company to go through one provider for all your plans, and it will be simpler for your employees when they have questions.

Can I pick and choose the employee benefit policies I want?

Sure – our specialists listen to your needs and design plan packages to suit you. If you would like to see a range of options, let us know and we can assemble a few packages for you based on your criteria. If you like some aspects of some plans and some from another, we may be able to reform your plan package to accommodate your wishes.

Is Competitive Advantage partnered with or aligned with any particular insurers?

No. When we evaluate a business’s needs and look for appropriate policies, we look at all insurers available to find the most comprehensive or least expensive plans to suit your needs. If that’s a nationally recognized carrier or a small insurer you may have overlooked, we’ll gather all of the best options that can work for you.

If you don’t see your question listed here, please call our office or contact us online and we will be happy to speak with you.

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