Non-Medical Employee Benefits Brokering & Advising
Your Non-Medical Benefits Program Is Either
Working for You — or Against You.
Perspective Matters
We help organizations design and optimize non-medical employee benefits programs—including life, disability, voluntary, and executive benefits—leveraging more than 20 years of industry and real-world experience to reduce costs, improve outcomes, and strengthen program performance.
Non-Medical Employee Benefits Require Specialized Expertise
For many organizations, non-medical benefits are managed in the margin — bundled into broker relationships, renewed on autopilot, and reviewed only when something breaks.
Gennaíos operates as a dedicated non-medical employee benefits organization, bringing focused expertise and strategic insider perspective to a category that is often overlooked.
Structure that Reflects Strategy
Benefits should align with how your organization actually operates.
✓ workforce economics
✓ cost targets and risk tolerance
✓ talent priorities
Structures may include fully insured, self-funded, or hybrid models.
Carrier Dynamics
Carrier rates are only a starting point.
Real leverage comes from understanding:
✓ underwriting practices
✓ reserve structures
✓ negotiation dynamics
Perspective matters — it’s what separates Gennaíos from the insurance generalist.
Employee Realities
Benefits only work if employees understand and trust them.
Effective strategy accounts for:
✓ workforce financial realities
✓ communication clarity
✓ employee perception
Relevance drives participation, appreciation, retention, and your ROI.
Why It Matters Who You Work With
Two decades inside the industry — Now working exclusively for you.
Experience
From startups building benefits for the first time to large enterprises managing complex programs, Matt’s work spans nearly every sector of the economy.
✓ early-stage companies to large enterprises
✓ programs ranging from simple to highly complex
✓ exposure across multiple industries
That breadth makes it easier to see what works, what fails, and where opportunities hide.
Technical Depth
Our expertise includes the structures and funding mechanics that shape non-medical employee benefits programs.
✓ risk-finance structures and funding arrangements
✓ Taft-Hartley and executive benefit programs
✓ global mobility and leave implementations
This is not generalist territory.
Practical Edge
Having reviewed thousands of carrier contracts and worked with hundreds of consultants, we understand not just what best-in-class looks like — but why programs fall short.
✓ contract structures and negotiation dynamics
✓ implementation realities inside HR teams
✓ how employees actually perceive the program
That real-world insight helps prevent expensive surprises.
Get an Experienced Perspective
In a bind? Something not working right? Unexpected renewal? Or just need another perspective.
✓ No Obligations
✓ Real Answers
✓ Get a New Starting Point
If I can help I will. If I can’t, I’ll tell you.
An Insider’s Perspective
→ Do you work with an non-medical specialist or a generalist?
→ Did you take your renewal exhibits at face-value?
→ Do you know what your employees actually consider “great benefits?”
→ Do you know what the law says [that] was your choice?
What Colleagues Say
Matt has earned a reputation as a knowledgeable and diligent member of the non-medical employee benefits industry, with a focus on the disability/absence and life insurance markets for both national and regional employers. I have always enjoyed and appreciated working with Matt and recommend him for consideration as your employee benefits broker/consultant.
— John Ehrlich , Director (Retired 2023), Willis Towers Watson
I worked with Matt for several years while administering benefits for our school system. He brought benefit plan expertise to help us offer excellent insurance products and helpful strategies to reduce premium cost for both the district and employees and still maintain quality plans for our organization. He was very responsive to our concerns and made every effort to keep us informed of benefit plan trends and other information that may affect our benefit program.
— Rose Jones, Assistant Director (Retired 2025), Atlanta Public Schools
I worked with Matt for several years while leading benefits for an 8,000-employee organization. Matt consistently impressed me with his knowledge, responsiveness, and ability to distill complex concepts into clear, actionable insights. He brought creativity to problem-solving, offered practical solutions, and was always willing to go the extra mile to support our team. Any company looking to develop a thoughtful and effective benefits strategy would be well served by his guidance and support.
— Alix Cross, Senior Counsel Human Resources, Diversicare Healthcare Services
Contact
You have plenty of friends; let’s begin with competence. No obligation discussion about your concerns. My commitment today is to leave you smarter, more confident, and more in control of this critical part of your business. I think that would be a good start to a relationship.
• Phone: 470-478-8673
• Email: connect@gennaiosLLC.com
• Website: gennaiosllc.com
• LinkedIn: linkedin.com/in/matt-beine