In today's competitive job market, startups face a significant challenge in attracting and retaining top-tier talent, especially when competing against large corporations with vast resources. While startups may not always be able to match the hefty salaries of established companies, they possess a secret weapon that can give them a powerful competitive edge: a comprehensive benefits package centered on health and life insurance. These benefits are no longer seen as a luxury but have become a critical factor that directly influences a candidate's decision to join and stay with a company.