Why dibs & our story
dibs Advantage is Diversified Insurance & Benefit Strategies, a benefits consultancy built on four decades of combined large-firm experience and a deliberate departure from how brokerage has always been done.
Why dibs
The industry norm is an annual spreadsheet and a signature. We think an employer's second largest expense deserves analytics, documentation and a consultant in the room all year. Here is how that plays out.
A renewal spreadsheet is not a plan. We deliver a data-based strategy built around your business, your workforce and your budget.
Benefits spend is usually the second largest line item on the books. We treat your benefits program with the fiduciary discipline that line item deserves.
A dedicated analytics team empowers decisions grounded in claims data and care quality, not carrier talking points.
Regular cadence stewardship meetings let you make intentional decisions about your plans instead of being rushed by a renewal date.
dibs Advantage as an organization
Combined experience working with large firms, applied to mid-market employers.
We implement benefit programs that work in your favor, not the carrier's.
Solutions built to control costs and reduce risk, backed by claims and underwriting analysis.
A single accountable point of contact with the ability to work in any market.
A consulting approach with proactive planning for measurable outcomes.
Delivering the right benefits when your people need them most.
Our story
Our unique background and industry experience provide an advantageous position: we understand how insurance carriers operate internally, how contracts are structured, and how to efficiently work in balancing the scales between insurer and insured in a fair manner. We use these insights to fiercely advocate for our client and provide actionable insights that guide smarter, informed plan designs and cost containment strategies.
We spent decades inside large firms and carriers, and we kept seeing the same pattern: employers making decisions on recommended options without understanding how or why they got to that point. We work the other way around, starting with the data, explaining its implications on plan performance, and ending with a documented decision the client owns.
Every recommendation, analysis and decision is captured so leadership can show what was evaluated, what was considered and why a given path was chosen. Being consistent is not always the easiest path, but we believe it is the right one.