Life Insurance

We revamped a Midwestern industrial company’s life insurance plans, securing a new insurer for improved service and financial terms, saving $35 million over seven years.

Current State

A 30,000+-employee (U.S. only) Midwestern industrial company partnered with the same group life insurer for several years and hadn’t checked the market for capabilities and price. The company also had many complex plans and arrangements, in particular: a survivor income benefit, a “cost-plus” retiree life arrangement, very large premium waiver reserves, and benefit plans administered by a trust. ABC was engaged to conduct a plan design and financial review, and subsequently, an RFP.

Issues Addressed

  • Appropriateness of the then-current carrier
  • Complete understanding and explanation of all financial aspects of the current plans and arrangements, including survivor income and premium waiver reserves
  • Efficacy of the “cost-plus” retiree life arrangement
  • Complete understanding of the trust arrangement, including analysis of IRS Private Letter Rulings affecting the arrangement
  • Market checks for both carrier capabilities and pricing

Innovative Strategy

ABC worked with our client to:
  • Streamline the benefit programs
  • Select a new insurer that could offer greatly improved service and substantially better financial arrangements
  • Modernize insurer-employee interaction using technology platforms that integrated with the client’s existing in-house and benefit administration provider portals


Our assigned consulting team used:
  • Deep knowledge of the group life insurance market
  • Significant knowledge of complex products, plan designs, and financial arrangements
  • Project management capabilities, to keep both ABC and the client on track to make timely decisions
  • Financial acumen and communication skills, to understand and explain the complex arrangements to bidding carriers and the client, as necessary
  • Carrier/vendor management skills, making an ally of the then-incumbent, despite potentially losing the business, resulting in all necessary information being received in a very transparent manner


We recommended our client make the following modifications:
  • Change carriers
  • Maintain legacy claims with the incumbent — which hadn’t been done in previous transitions creating significant complexity
  • Address certain plan aspects that weren’t 100% aligned with tax guidance (e.g., imputed income)
  • Outsource certain administrative functions to the insurer, as opposed to the benefits administrator (e.g., evidence of insurability, as this function had not been appropriately managed in the past)


The results of our efforts have included:

  • A new life insurer for the client, one much more appropriate for the client, given its size, complexity, and geographic location
  • Changes to certain financial aspects of the plans to bring them more in line with tax guidance
  • Greatly improved enrollment process for employees and their dependents
  • Complete understanding of the claims (survivor income and premium waiver) that had to remain with the prior carrier
  • A seven-year premium rate guarantee, resulting in savings of $35 million over seven years.
  • As a result of the positive outcomes of this project, the client retained ABC for a complete review of their self-insured disability and workers’ compensation relationship, as well as a wellness vendor management project.

Request a Consultation

Like any great relationship, ours will start by getting to know your business. We’ll listen to what your benefit needs are and then work to find a suite of solutions that matches your objectives.

Allana Agard

Business Analyst

Allana joined Alliant in June 2022 as a Business Analyst I/Website Quality Assurance Analyst. In her role, she gathers data, analyzes requirements, and documents specifications for new systems processes and enhancements.


Allana has worked as a Business Analyst for 5+ years and has extensive experience in the Healthcare/Insurance industry for 10+ years.

Tara Emerich

Account Associate

Tara joined Alliant/ABC in 2021. Her responsibilities include investigating and resolving client and employee issues, preparing client invoices and reporting, and auditing enrollment and payroll files.

She has previously worked in the ABC call center and prior to that has 20+ years’ experience working with a variety of insurance lines.

Tara is licensed in Accident, Health, and Life insurance.

Tai Scott

Account Associate

Tai joined Alliant/ABC as an Account Associate in 2016 and is now an Account Associate II for the Voluntary Benefits Operations Team. Some of her responsibilities include processing and auditing the internal payroll processes and files, processing invoice payments to vendors, and assisting in implementation of new clients. 

Tai has held various roles in the health insurance and benefits industry for 7 years prior to coming to Alliant/ABC including processing COBRA, Coordination of Benefits & FSA statements and billing

Tai has a BA in Human Biology from Temple University and is a licensed broker in Life, Accident and Health.


Debbie Amador

Project Manager

Debbie joined Alliant/ABC in 2002. Her responsibilities include coordinating projects, managing project implementation plans as well as ongoing process improvement support for the Voluntary Benefits Operations Team. She has held various roles with her tenure at Alliant/ABC including client management, health and productivity development, and operations.


Debbie has a BA in Business Marketing from Western Washington University and is licensed in life and disability.

Brandi Coomes

Account Associate

Brandi joined Alliant/ABC in 2022. Her main responsibilities
include client file management and overall daily support of client
relationship. Brandi’s prior experience includes work as a program coordinator
and licensed insurance agent.

Brandi has a BS from LeTourneau University and is licensed
in Accident & Health and Life.

Arnaldo Desire

Benefit Advocate

Arnaldo joined Alliant/ABC in 2008. His role in the company is a Benefits Representative for the VB team. He provides customer service, professional support and guidance to client HR contacts and employees. In addition, he is responsible for client communications and client file management. With over 16 years of experience at ABC, he also worked on the Employee Benefits team.

Danielle K. Rainone

First Vice President – Consultant

Danielle joined ABC in March of 2014. She has been in the employee benefits field for more than 20 years, starting her career in sales of Retirement and Healthcare products. In 2000, she joined MetLife and held various leadership roles in key areas, including eBusiness, Sales Productivity and an International expat assignment in London. In 2008, Danielle joined CIGNA as leader of the Group Insurance Account Management and Service Operations organization, including Client Management, Implementation, Contracts and Eligibility. Most recently she was the VP of National Accounts Client Management at Prudential, leading a team managing a $3B+ block of Life and Disability business.

Danielle earned her BA in Marketing from Georgetown University.

Daniel Norton

Senior Manager, Executive Benefits

Dan joined ABC in 2007. He manages the team responsible for the implementation and day-to-day administration of our Executive Benefits plans. Dan has a BA in Business Management from the University of Colorado at Boulder and is licensed in life, accident, and health.

Michael R Grippo

Executive Benefits & Administration Systems

Mike has been at ABC since 1990, implementing and administering non-qualified executive benefit plans on behalf of some of America’s largest companies. Prior to joining ABC, he worked for a major life insurance company and a brokerage firm for over 10 years, where he gained expertise in actuarial software development, advanced underwriting, and life insurance product and competitive analysis.

Mike has a BS degree in actuarial science from the College of Insurance.

Jeffrey Jones

Executive Vice President

Jeff Jones is an Executive Vice President and Group Benefits Practice Leader. Jeff has been in the insurance and benefits industry since 1986. His responsibilities at ABC include Group Life and Disability/Leave Management practice lead, business development, client relationship management, and Executive Disability practice lead.

Jeff has a BA in Economics from Ursinus College.

Craig Guiffre

Executive Vice President/Managing Director

Craig has over 40 years’ experience in the Group Benefits industry and joined ABC in 2010 to oversee the consulting practices, administration, technology, and compliance areas. Today, he also leads Alliant’s National Absence, Disability and Life practice. He began his career with MetLife where he served in various sales, marketing, and operational capacities including head of National Accounts, Chief Marketing Officer for Institutional Business, and Senior Vice President and P&L owner for their Group businesses. He held a similar role at Guardian Life where he was responsible for the Group Life, Accident, and Disability lines of business as well as the Marketing organization and key technology initiatives. Most recently, Craig was Senior Vice President at CIGNA where he managed the Group Insurance sales, Account Management, and Product Development organizations.

Craig received his BS from Lehigh University and his MBA from Manhattan College.

Eric Levy

Executive Vice President/Senior Managing Director

Eric joined ABC in 2003 following a career leading Compensation and Benefits functions for several Fortune 500 companies. Eric has more than 30 years’ experience in the HR and Employee Benefits field. Eric has responsibility for overall leadership and growth, as well as shared business development responsibilities for ABC. In addition, he leads the East Region for Alliant Employee Benefits and holds national practice leadership roles for Alliant including voluntary benefits. Eric also maintains active consulting and relationship roles with many of ABC’s key clients. Prior to joining ABC, Eric was the SVP – Compensation & Benefits for Starwood Hotels and Resorts Worldwide. Eric also held senior Compensation and Benefit leadership positions for PepsiCo, Tambrands Inc., and

Eric has an undergraduate degree in Industrial and Labor Relations from Cornell University and an MBA in Finance from the Stern School of Business at NYU.