Established in 1999, CMR & Associates is a strategic sourcing provider for property/casualty insurance, group benefits, and retirement plans. Our CMR + PolicySmart service offers global insurance rate/coverage marketplace comparisons through our proprietary database. PolicySmart provides immediate digital onboarding, while CMR offers a personalized concierge consulting model. We assess your current insurance policies and retirement package to enhance coverage and reduce costs. Leveraging our proprietary database, we maximize access to the retirement and insurance industry, offering better coverage options at lower costs. We do not act as brokers or sell products. Our compensation is based on delivering improved quantitative and qualitative outcomes.The CMR Database®, comprising 13,000 brokers and specialists globally, expands access to the retirement and insurance industry, providing greater options for better coverage and lower costs.Since 1999, we have saved clients over $120 million. Visit us at https://www.policysmart.com/ to learn more.