M&T Bank : Group Benefits Solutions
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Group Benefits Solutions

At M&T Insurance Agency, Inc., we understand that your employees are your most valuable asset. We know you want to protect them – developing the right insurance program can be a daunting task. In this constantly changing insurance environment, companies must strike a balance between coverage and cost. The right group benefits partner can make the process easier.  

M&T Insurance Agency uses a consultative team approach to building group benefits solutions with clients. Together, we identify the key objectives and construct viable insurance programs that meet those objectives.

The entire process involves multiple components:

  • Group benefits plan design review and recommendations
  • Report analysis and interpretation
  • Managed care and network analysis
  • Administration evaluation
  • Market/provider selection and evaluation
  • Comprehensive renewal analysis and negotiation

M&T Insurance Agency Specializes in Group Insurance Needs
M&T Insurance Agency includes a full-service group health, life and benefits division specializing in group insurance needs of companies with 10 to over 500 employees. From simple HMO plans to complex self-funded plans, M&T advises on a comprehensive selection of insurance options to help you achieve your employee benefits objectives. 

Our areas of expertise include:

Group Medical & Pharmacy Insurance

  • Regional and national carrier access
  • Fully insured and self insured
  • Stop loss insurance
  • Pharmacy carve-out
  • Network evaluation

Group Long-Term Care

  • Employer sponsored
  • Voluntary plans for employees and family members

Plan Administration

  • FSA-Flexible Spending Accounts
  • HRA-Health Reimbursement Arrangements
  • HSA-Health Savings Accounts


    Group Dental Insurance

    • Fully insured and self insured
    • Plan design and network analysis

      Group Disability Insurance

      • Employer short-term disability
      • Employer long-term disability
      • Work site

      Group Life Insurance

    • Term life
    • Work site












        Contact Us
        Learn more about M&T’s group benefits plan design and administration services. Contact M&T Insurance Agency at 1-800-716-8314. 

        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.

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