When it comes to employee benefits, people have very different needs.

Bright Choices®

Instead of the usual "one-size-fits-all" approach, personalize and right-size each employee's benefits portfolio.


The Bright Choices® Exchange is a private benefits exchange (similar to an online store) where your employees can use the dollars you give them to buy the benefits they actually want.

We support
employers and employees.
You give employees
a set amount of money to spend on benefits.
Employees shop
in the online store and are guided to personalized benefits selections.
We consolidate
and handle administrative tasks.

Research indicates that businesses will quickly move to private exchanges.

  • 47%

    A recent J.D. Power and Associates survey indicates that 47% of employers are likely to adopt a Defined Contribution approach and utilize private exchanges.

  • 80%

    Another study by Oliver Wyman shows almost 80% of employers were willing to choose a private health care exchange.

Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured
By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value

Insurance products are offered by M&T Insurance Agency, Inc., not by M&T Bank. M&T Insurance Agency, Inc.
is licensed as an insurance agent and acts as agent for insurers. In case of excess and surplus lines,
M&T Insurance Agency, Inc. is an insurance broker and places insurance on behalf of our clients. Insurance policies
are obligations of the insurers that issue the policies. Insurance products may not be available in all states.