The Partners Group brings independent brokerage expertise and a structured carrier relationship with The Hartford to healthcare organizations participating in AP3 — delivering exclusive negotiated pricing on Group Term Life, Long Term Disability, Voluntary Life, and Short-Term Disability insurance that is not available through standard market channels.
The Challenge
Healthcare employers purchasing group life and disability insurance independently face structural disadvantages in the carrier market — leaving meaningful cost savings and program value on the table at every renewal cycle.
Organizations approaching carriers as individual employers have minimal leverage to negotiate favorable terms — renewals are accepted, not negotiated.
Premium increases at renewal reflect the organization's individual claims experience rather than pooled market positioning — creating budget unpredictability year over year.
Group life and disability coverage is often managed transactionally rather than strategically — leaving plan design gaps, redundancies, and missed cost control opportunities unaddressed.
Without access to market data, healthcare organizations have no reliable way to assess whether their current rates are competitive against comparable employers.
Voluntary life and short-term disability coverage is frequently purchased without coordination — missing opportunities for rate alignment and program consistency.
Complementary tools that reduce the human and financial cost of disability events — including well-being navigation platforms — are often unavailable or unknown to employees and HR teams.
The Partners Group AP3 Solution
Through AP3, The Partners Group delivers a coordinated group life and disability insurance program — structured around The Hartford relationship and designed specifically for healthcare organizations seeking carrier market leverage they cannot achieve independently.
Exclusive negotiated pricing on Group Term Life and Long Term Disability Insurance, available only to healthcare organizations referred through AP3. These terms are not available through standard market channels.
Access to rate protection on Voluntary Group Term Life and Short-Term Disability Insurance aligned to each organization's current coverage structure — reducing renewal volatility without disrupting existing plan design.
A structured approach to carrier engagement that positions each participating organization for more favorable underwriting outcomes than independent purchasing typically produces.
Access to TPG's employee well-being and navigation platform at no cost during an initial trial period — with preferred pricing available for organizations that elect to continue.
Continuous renewal positioning and carrier relationship management designed to reduce volatility and improve long-term program performance beyond the initial placement.
Healthcare organizations retain complete plan design autonomy and individual policy structure. The program delivers market advantage without disrupting existing benefit strategies or broker relationships.
The Partners Group's AP3 program is structured for healthcare organizations with 2,500 or fewer employees — delivering carrier leverage and exclusive program pricing that would otherwise be inaccessible at this market segment.
Is This Right for Your Organization?
The Partners Group AP3 solution is purpose-built for healthcare employers under 2,500 lives who are purchasing group life and disability insurance without structured carrier leverage or strategic program oversight.
Current procurement lacks structured carrier leverage — renewals are accepted rather than strategically negotiated.
Life or disability premiums have increased materially at one or more recent renewals without a clear, data-driven explanation.
The Partners Group AP3 program is specifically structured for healthcare organizations at this size — delivering market leverage that is typically unavailable to employers in this segment.
There is no reliable mechanism to compare current group life and disability premium rates against what comparable healthcare employers are paying in the market.
Voluntary life and STD coverage is handled separately from core coverages, missing opportunities for rate alignment and program consistency.
Employees would benefit from access to a well-being and navigation platform to support health-related absences and return-to-work transitions.
Why Through AP3
As a vetted Strategic Partner within the ASHHRA Preferred Partner Program, The Partners Group's engagement is structured to deliver pricing and program access that is not available outside of AP3.
The Partners Group's capabilities and healthcare alignment have been formally evaluated through AP3's structured governance process.
Engagements are coordinated through AP3 to ensure strategic alignment and executive-level transparency from the outset.
The pricing, rate protections, and program incentives available through The Partners Group AP3 program are exclusively available to organizations referred through AP3 — they cannot be accessed through standard market channels or direct outreach.
The Partners Group's group life and disability program connects to AP3's broader risk and benefits framework — supporting a coordinated approach to employee financial protection across the healthcare workforce.
Request a Structured Evaluation
Complete the form and an AP3 representative will connect you with The Partners Group to discuss your group life and disability insurance program. Engagements are coordinated through AP3 to ensure alignment and access to exclusively negotiated program terms.
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