Bright Choices®.
A better way to buy benefits.
With the Bright Choices Exchange, you determine the dollar amount to give your employees. They go shopping in an online store to get a benefits portfolio that fits them best.
How do you choose the plans that go in the Bright Choices store?
Bright Choices has formed unique relationships with the top national and regional carriers you know and trust to bring your employees a selection of top-notch benefit plans. Using proprietary analytics and technology, we select the most varied and cost-effective plans to ensure each family's diverse needs are met.
How does Bright Choices help determine the best plans for employees and their families?
When employees log in to Bright Choices, they will have access to our sophisticated questionnaire which leads them through a series of questions, and then makes recommendations given their health profile, financial status, risk tolerance, and preferences. It reveals the actual costs of benefits and educates them to make informed decisions.
Do employees have to take the recommended product?
With Bright Choices, the employee is in control. They can choose the plans recommended by Bright Choices, or pick anything else in the store.| 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.