Your renewal shouldn't be a
rate increase and a signature.
Next Wave is an independent advisory firm. Employee benefits and other insurance are offered through our affiliate, Tobin Insurance, an independent agency licensed in Arizona, California, Colorado, Nevada, Texas, Idaho, Oklahoma, Florida, and Georgia. Tobin isn't tied to any one carrier — it shops across 30+ of them and brings back what fits your group.
What your benefits advisor should be doing
What your benefits advisor should be doing
Employee benefits and insurance services are offered through Tobin Insurance in Arizona, California, Colorado, Nevada, Texas, Idaho, Oklahoma, Florida, and Georgia.
Group health plans - fully insured and level-funded structures, which differ in cost predictability, in who carries the risk, and in what happens to your rate if you have a bad year.
Ancillary lines - dental, vision, life, and short and long-term disability, priced and reviewed alongside the medical plan rather than bolted on separately.
Renewal management - the market approached ahead of your renewal date, so what lands on your desk is a comparison rather than a single number.
Enrollment support - the meetings, the questions, and the paperwork, handled by people who do it every year instead of your office manager in October.
Workers' compensation - including pay-as-you-go structures where premium tracks actual payroll rather than an annual estimate.
Who this is for
You might be renewing and looking at an increase nobody prepared you for. You might be losing candidates to companies offering coverage you don't. You might have added employees in a second state and discovered your plan doesn't travel well.
How the benefits process works
How the benefits process works
Next Wave starts with the business. How many employees, where they are, what you're contributing today, when your plan renews, and what prompted you to look.
Next Wave connects you with Tobin Insurance. Benefits and insurance are Tobin's work, not ours - it's a licensed independent agency, and everything from here runs through it.
Tobin shops the market. Not every carrier writes every group well. Tobin approaches the carriers that fit your situation and brings back a comparison rather than a single number.
Tobin handles enrollment and the year that follows. The meetings, the questions, the paperwork, and the service after the signature.
Where we work
Insurance services, including employee benefits and workers' compensation, are offered through our affiliate, Tobin Insurance, licensed in Arizona, California, Colorado, Nevada, Texas, Idaho, Oklahoma, Florida, and Georgia.
Payroll, HR, and workforce services are available nationwide.
Start with the facts, not a vendor pitch.
Tell us how your business runs and an advisor will follow up to set up a conversation.
Insurance services, including workers’ compensation and employee benefits, are offered through our affiliate,
Tobin Insurance, licensed in Arizona, California, Colorado, Nevada, Texas, Idaho, Oklahoma, Florida, and Georgia.
Payroll, HR, and workforce services are available nationwide.
Next Wave is compensated by the providers we place clients with.
Next Wave Business Services · 2651 W Guadalupe Rd, Suite #110, Mesa, AZ 85202 · 480-820-4148