Vision, Mission and Values

A better protected future for all employees to lead fulfilling lives while enjoying financial security and peace of mind

To democratize employee benefits through a paradigm shift across design, funding and delivery

Integrity
Courage

Compassion
Commitment

Accountability
Excellence

Our Story

Our founder was previously the CEO and General Manager of leading global insurance and brokerage firms for the China market. Upon arrival in China in the mid 2000’s, he was surprised by the enormous gaps in medical and disability benefit coverage for employees between China and developed markets in North America and Europe.

The unhedged large risk exposure for almost the entire employee population in China has remained a large chasm to this date, with devastating consequences for those employees who are affected, despite the rapid economic growth and rising compensation levels in China that already rival developed markets for a wide variety of industries and job positions.

Fulfil Benefits Group was established to answer a profound calling through both advocacy efforts and concrete actions to close major risk protection gaps for tens of millions of under-insured employees. We are on a mission to transform the benefits industry through a broad-based paradigm shift that can lead to a more purposeful, sophisticated and sustainable future.

Our Team

Jeffrey Fan, Founder & CEO
Jeffrey Fan spent the first half of his corporate career in Canada with leading industry players across the consulting and insurance spectrum. He moved to China in 2006 to establish Mercer’s Health & Benefits Business and built a first-class team that achieved a stellar market leadership position across the consulting, broking and benefit administration segments. Jeffrey has also led Cigna’s market leading health insurance business and was the President and CEO of WellPoint (later renamed to Anthem and then Elevance Health, the second largest health insurer in the U.S.) for the Greater China region and its consortium with the Blue Cross Blue Shield Association.

Daniel Zhou, Chief Commercial Officer
Daniel has held a variety of professional and executive positions specializing in employee benefits and health insurance with leading domestic and foreign companies over the past two decades. Daniel was one of the first employee benefits industry professionals at Ping An when group health insurance was first offered in China. He then became the Regional Director for Insurope, a major multinational pooling network and the first of such operations in China. He also led national sales for Mercer Health & Benefits and then for Anthem/WellPoint’s business in China, before joining RGA as the Head of Health Business for China.

Daniel Li, Chief Operations Officer
Daniel has over 20 years of experience in the Chinese insurance industry with leading players such as AIA, Allianz, Cigna and CPIC. Daniel was one of the early employees at AIA China in 1996 when the Chinese market was first opened to foreign competition. He later became the head of claims and customer service at Allianz Life. In 2010, Daniel joined Cigna as the head of operations for its high-end/international health insurance business in China. Daniel has also led health insurance operations in other leading insurers such as CPIC Health.

Professional Team
We have attracted a core group of industry talents with an average tenure of 15 years of professional experience with top-tier firms across the industry in all key business functions.

Advisory Board
We are fortunate to have the support and counsel of retired senior industry executives of global financial, consulting and non-profit organizations.

Our Actions

Think out of the box based on fundamental principles and a customer centric approach

Create a virtuous ecosystem connecting missing links and forming win-win partnerships

Develop, advocate and uphold a new set of standards that can serve as the benchmark for the transformed industry

Transcend self-interest to impart data and expertise to benefit all stakeholders

Stay focused on and inspired by the purpose and direction of our mission, vision and values