Wisterm is an industry-leading employee benefits and insurance management consultancy. Built on the best personalized service that the industry has to offer, we can help you navigate the ever-changing world of health insurance, employee benefits, business risk, retirement planning and compliance. Our sole focus is delivering better outcomes – to your benefits program, your employees, and your bottom line.
Taking care of you and your team
We’re ready to help you define, build, and operate insurance solutions that do big things for your business.
The right protection today, resilience for tomorrow
Discover our services
We’ve built our business to support your business – finding new ways of containing costs, removing risk, and protecting what matters most both now and in the future. Everything we do is designed to help you spend less, but achieve more.
Get in contact with us
Better insurance solutions are closer than you think. Get in touch to learn how we can create new value for your business.
Latest Downloads
Looking for learning tools? We have all the resources to support your business as you go on your employee benefits journey. Click to access in-depth reads from our team of global experts.
Criteria for Employer-Owned Life Insurance
IRS Form 720 and PCORI Fees
ACA Affordability Contribution Percentage Test
Nurturing Top Talent with Tailored Rewards
How Employee Benefits Can Strengthen Your Captive
Award Winning Captive Consulting and Management Suite
A flavor of our experience
We have helped hundreds of businesses incorporate high-quality, affordable benefits plans that maximize employee coverage while minimizing costs. Read our case studies to see first hand how we make the world of employee benefits easier to manage.
Ryan Mitchell
Global Accident & Health Leader and Reinsurance Deputy Partner
Jay Tunstall
Non-Executive Director
Adam May
Global CRM & Automation Systems Manager
Our leadership team
Wisterm is a company of strength, depth and ultra-high performance. We credit our success to our unwavering client service, powerful relationships, and to the diverse backgrounds, experience and character of our people. Learn about the executive team that helps support our business growth.
Meeting Unique Business Insurance Needs
Securing the right insurance policies for your business goes beyond meeting legal requirements; it’s about anticipating standards and ensuring seamless operations. By having these policies in place, your business not only provides credibility but also aligns with contractual demands, showcasing competence and preparedness to enhance your business’s reputation and meet specific needs.
California Expands Fertility Coverage Requirement
California’s SB 729 mandates fertility coverage, including IVF, in large group health plans
IRS Expands Eligible Medical Expenses and Preventive Care Benefits
The IRS Notices 2024-71 and 2024-75 expand eligible expenses for FSAs, HRAs, HSAs, and HDHPs. Employers should update benefit plans.
What Employers Need to Know about ACA Reporting
ACA reporting can be complex, with different forms required depending on your organization’s size and type of health coverage. In this post, we break down the essentials of Forms 1094-C, 1095-C, 1094-B, and 1095-B, highlight common mistakes, and explain penalties for non-compliance.
Using Voluntary Benefits to Boost Employee Retention
The pandemic and Great Resignation have forced employers to get more serious…
Start your journey with us
We help you remove the burden of business risk and employee benefits planning, and harness its strategic potential. Make the best decisions for your business and get in touch today.