Accord­ing to Ben­e­fits Spe­cial­ist Mag­a­zine  “the HR (human resources) com­mu­ni­ty has very lit­tle insight  wis­dom or resources on the val­ue they should expect from their insur­ance advi­sor” But the prob­lem is actu­al­ly deep­er than that: How can you pick a top-notch insur­ance advi­sor or bro­ker if you don’t know what they should be buy­ing for you?