Expertise that’s unique to us. For solutions that are unique to your clients.

What we do

As one of the pioneers in the limited benefits space, we know that protecting employees equals protecting the business itself. In high-turnover industries, where both retaining and recruiting talent is a constant challenge, the right benefits solution can create lasting value and impact.

Employers and associations have a variety of coverage options from which to choose. At Ternian, we combine insurance products, self-funded programs and related services to create a portfolio of limited benefit programs that can provide employees with the everyday security they need. 

At Ternian, an AXIS Capital Company, we leverage our expertise, modern analytics, sound financials and a client-centric focus to provide you and your clients with solutions.

The way we do it

While most “consultative selling” occurs with a standardized set of benefits, we tailor solutions in a different way. No two businesses are the same — or have the same budgets — we begin with a comprehensive needs analysis to help you and your clients choose the right products for their employees.


A two-part approach

First, we help businesses determine the right price point for the size and makeup of the staff. Then, we customize a plan that balances those specific benefits against the budget that’s been set. Whatever the need, we can create a custom plan that works for any business.

Answers for every question

Of course, whether they’re hourly, part-time, or new to the workforce itself, employees have a lot of questions when it comes to their benefits. That’s why we make sure every plan we implement delivers ease of administration.

From clear and concise benefit communications materials to online chat, email support, and a robust call center, our tools have all end-to-end messaging needs covered.


Administration made simple

We utilize a turnkey administration system that is dynamic enough to accommodate the diverse income streams of the people we insure, and make allowances for the inconsistencies we encounter in premium collections. We are also able to integrate with many different benefit administration platforms. 

We’re here to help

With businesses of all sizes facing financial restraints, government benefit mandates and limited HR resources, there’s never been a better time to meet with us.


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