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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.

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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.

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Core values

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    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.

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    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.

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    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.

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    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.

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Insights and inspiration
Business team discussing specialty products for risk management.

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.

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California Expands Fertility Coverage Requirement

California’s SB 729 mandates fertility coverage, including IVF, in large group health plans

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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.

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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.

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Surgeon and Female Doctor Walk

Understanding Rising Healthcare Costs in the U.S.

Corporate America’s poor return on investment…
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