We do things differently at Wisterm.

Our team is bringing back the personal touch to an often cold, monotonous world of insurance and benefits consulting. Find out who we are, what we stand for, and how we help your business thrive.

about
Discover
50,000+

LIVES SERVED

91 out of 100

NET PROMOTER SCORE

33%

AVERAGE SAVINGS FOR CLIENTS

This is how insurance management should be.

Transparent. Proactive. Fiercely client-centric; delivering results for businesses of all sizes. This is exactly what we do at Wisterm, and it’s why we’ve grown to become one of the leading benefits consulting and insurance management firms in the world.

The insurance industry can be very complex. Clients come to us when the traditional approach to insurance is no longer working and they need a fresh approach to solve difficult challenges. We’re fully autonomous with an entrepreneurial spirit that’s complemented by broad experience in areas like captive insurance, pensions, and reinsurance. This brings about something quite rare in the insurance industry—the freedom to always act in the best interest of our clients while having the market experience and carrier relationships to get the job done right.

Happy international young people have fun studying

Core values

Happy family: mother, father, children son and daughter on sunset
  • icon
    Creative thinking

    We are smart problem solvers with the confidence to say ‘yes’ when others say ‘no.’ We challenge current thinking and always look beyond the obvious to find a better way.

  • group
    Unwavering client focus

    We’re laser-focused on your challenges and go out of our way to make life easier for our clients. We stand by your side as a long-term success partner, not just at policy renewal.

  • icon
    Trusted

    We stand behind our promises and stay true to our principles. We can always be relied upon to deliver with knowledge, transparency, and integrity.

  • icon
    Excellence

    No matter what challenges you face, we have the knowledge and experience to overcome them. You can trust us to look at the whole picture and get you the best results possible.

We love working together.

When you work with us, you get all of us. We’ve assembled a world-class team of strategists, actuaries, underwriters, program managers, and brokers who work together to do remarkable work for your business. Our people have an unmatched work ethic and go above and beyond to support your business through times of change and uncertainty.

Cheery businesswomen fist bumping each other before a meeting
Macro shot of the Great Seal of the U.S. on the back of the one dollar bill

IRS Announces 2026 HSA, HDHP, and HRA Inflation Adjustments

The IRS has announced the 2026 inflation-adjusted limits for HSAs, HDHPs, and Excepted Benefit HRAs, increasing contribution and coverage thresholds to reflect rising healthcare costs.

Aerial straight down over Lombard Street with cars and road running horizontally

San Francisco HCSO and FCO Annual Reporting Due by May 2, 2025

San Francisco employers must submit the 2024 HCSO and FCO Employer Annual Reporting Form by May 2, 2025, to avoid penalties and ensure compliance.

Petri dishes with samples for DNA sequencing

The Impact of Gene Therapy on Self-Funded Health Plans and Medical Stop-Loss Captives

Explore the intersection of gene therapy and self-funded employer health plans that leverage captive insurance arrangements.

Business man passing by table

Grandfathered Health Plan Implications and Considerations

Grandfathered health plans under the ACA allow certain existing plans to bypass some ACA requirements, but maintaining this status requires strict adherence to regulations, including limited benefit changes and mandatory participant notices.

Surgeon and Female Doctor Walk

Understanding Rising Healthcare Costs in the U.S.

Corporate America’s poor return on investment…