![Wellness & Health Management](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Wellness-Health.png)
Wellness & Health Management
Wellness consulting
Evidence-based programs
Worksite wellness evaluation
Employee engagement surveys
Onsite biometrics
Health quality assessment
![Voluntary Benefits](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Voluntary-Benefits.png)
Voluntary Benefits
Worksite benefits
Identity theft & cybersecurity
Pre-paid legal services
Pet Insurance
![Underwriting & Market Analysis](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Underwriting-Marketing.png)
Underwriting & Market Analysis
- Predictive modeling
- Claims & stop loss analysis
- Contribution strategies and analysis
- IBNR: Reserve analysis
- Pharmacy benefit management analysis
- Self-insurance assessment
![HR Services & Compliance](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_HR-Services-Compliance.png)
HR Services & Compliance
DOL/ERISA/ACA
ACA Reporting
HIPAA privacy and data security
Signature-ready 5500 filing
SPD Wrap Document/SMM
Federal & Statutory Compliance
![Global Benefits](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Global-Benefits.png)
Global Benefits
Business travel accident
Expatriate and third country national
Country guides
Multi-national pooling
Repatriation
![Executive Benefits](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Executive-Benefits.png)
Executive Benefits
Buy/sell coverage
Key person life
Deferred compensation
Long-term care
Executive disability
Universal life
![Employee Advocacy](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Risk-Insurance_Health-Benefits-Icons_Employee-Advocacy.png)
Employee Advocacy
Help Desk
Claims Concierge
![Risk Mitigation](https://www.pan360inst.com/site/wp-content/uploads/2021/04/Panorama-Institutional_Icons_Private-Client-Risk-Management.png)
Risk Mitigation
Life Insurance
Disability Income Insurance
Long-term Care Insurance
![Institutional](https://www.pan360inst.com/site/wp-content/uploads/2017/01/Panorama-transparent-background-738x428.png)
Institutional
Corporate Retirement & Executive Benefits
Business Succession Planning
Personal Risk Management
Wealth Management / Asset Advisory
![Wealth Management](https://www.pan360inst.com/site/wp-content/uploads/2021/02/Panorama-Institutional_Icons_Private-Client-Wealth-Management.png)
Wealth Management
Investment Analysis & Implementation
Estate & Trust Planning Strategies