Benefits That Work as Hard as Your Business

{{firstName||name}}, We design smarter employee benefit strategies that cut costs, eliminate waste, and give employees of {{company||}} the support they deserve.

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Backed by Decades of Experience. Powered by Industry Relationships.

The Cardwells have spent more than 40 years shaping benefit strategies alongside some of the brightest minds in healthcare. Our name may be new to some, but our experience isn’t — we’ve been leading conversations and driving change in how employers manage benefits for decades.

Through trusted partnerships, we extend your team with dedicated service reps, expert enrollment support, and specialized advisors when you need them. With The Cardwells, you get the reach of a national consultancy — and the focus of a partner who is invested in your success.

Meet Our Approach

Real Support. Real Change.

{{firstName||name}}, How would {{company||your company}} benefit from smarter plan design and proactive renewal strategy?

Same-day customer service

Renewal planning ahead of schedule

Employees who actually understand their benefits

Is Self‑Funding right for {{company||Your Company}}?

Answer a few quick questions and find out in less than a minute.

Start the Check

Solutions That Make an Impact

Self-Fund Check

Own your claims fund instead of handing it away.

Renewal Support

Options, not excuses.

Savings Predictor

See how much you could save.

Ditch Deductible

Give employees coverage that works.

Explore Solutions

Trusted by Employers Who Expect More

“They showed us options our previous broker never mentioned.”
— Operations Director, Manufacturing, Dayton, OH
“For the first time, our employees understand their benefits.”
— HR Manager, SaaS, Austin, TX
“We reduced costs and greatly improved coverage. Amazing!”
— CFO, Logistics, Kansas City, MO
“Renewal season wasn’t a fire drill for once.”
— VP Finance, Healthcare Services, Orlando, FL
“Our deductible relief program changed the game for recruiting.”
— Talent Director, Hospitality, Nashville, TN
“The claims governance process gave us leverage we’ve never had.”
— Controller, Professional Services, Charlotte, NC
“We finally understand where our money goes—and how to get value back.”
— CEO, Construction, Des Moines, IA
“Our employees stopped delaying care because costs felt predictable.”
— Benefits Lead, Nonprofit, Seattle, WA
“Self-funding fit our growth stage perfectly—with the right guardrails.”
— COO, E‑commerce, Columbus, OH
“Service tickets dropped and satisfaction went up within a month.”
— HRBP, Manufacturing, Fort Wayne, IN
“Clear options, clear timeline, no surprises—exactly what we needed.”
— Director of People, Tech Hardware, Denver, CO
“The self‑funding education helped our leadership say yes with confidence.”
— CFO, Education Services, Phoenix, AZ
“Better coverage, happier people, and the numbers still worked.”
— President, Food & Beverage, Milwaukee, WI

Ready for Something Different?

We don’t just manage renewals — we change the way businesses experience benefits.

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