Lets find out. A quick review of 8 carriers in New York shows that the least expensive in the 1-49 employee range is:
Paid annually in advance: Male National Benefit Life $1.50/month, Female Zurich $3.78
Paid quarterly in arrears: Male Zurich $2.30, Female Zurich 4.95 (for more than 11 employees). For less than 11, Guardian Male $2.60, female $5.75.
If you have 16 employees, have males, you could potentially save 54% on your premiums!
Give me a call in my office if you want to discuss this.