For over thirty years The Gerlitz Group has provided extensive support in underwriting, brokerage, and consulting services to our prospective clients. We take a proactive approach in the direction, development, communication, and implementation of all facets of employee benefit plans, both group and individual.

The service components of The Gerlitz Group’s employee benefits can be broken down into three main categories:

  • Benefit Plan design, Market selection and Plan Implementation
  • Benefit Plan Review
  • On going Benefit Consulting / Brokerage Services

The Gerlitz Group has strong underwriting ties with many of the top rated benefit carriers. We assist prospective clients and other employees with the accumulation of employee demographic materials for underwriter review.

Our Services

  • Buy Sell
  • Key Man
  • Term Life
  • Universal Life
  • Second to Die (for Estate Planning)
  • Disability Income Protection
  • Long Term Care
  • Annuities
  • Life and Accidental Death & Dismemberment (AD&D)
  • High Limit Group Term Life for Executives
  • Major Medical Insurance Plans
    • HMO: Health Maintenance Organizations
    • EPO: Exclusive Provider organizations
    • PPO: Preferred Provider organizations
    • POS: Point of Service
    • ASO: Administrative Services Only
    • H.S.A: Health Savings Accounts
    • HRA: Health Reimbursement Arrangements
    • PEO : Professional Employer Organizations
  • Indemnity
  • Managed Care Options (PPO)
  • New York State Mandatory Disability
  • Short Term Disability
  • Long Term Disability
  • Key Man Disability Income for Executives
  • Profit Sharing
  • 401(k) Retirement Savings
  • Defined Benefit
  • Defined Contribution       
  • Dental
  • Vision
  • Accident
  • Cancer
  • Life Insurance
  • Disability Income protection
  • Long Term Care
  • Life Lock

Our Vision


  • Constant policy review
  • Continuous attention to detail
  • Proper insurance market selection for client benefit programs
  • Control of the inherent pricing components driving the benefits market
  • Constant monitoring of new benefit related developments


Our benefits strategy includes:

  • Review of the customer’s entire program to offer recommendations for plan design changes and enhancements
  • Explore alternative funding arrangements; and
  • Select carriers and/or other service providers who are competent in providing competitive pricing and services.



After an extensive review of the prospective client’s current benefit package, we are prepared to offer recommendations to reduce health care costs, obtain coverage enhancements, advise new products available, identify areas of risk fragmentation in benefit plans that serve to facilitate rising health care costs and, most importantly, improve the funding through alternate financing or rate reduction for all benefit programs.