Health benefits for insurance agencies
Group benefits and agent coverage programs for independent insurance agencies and producer teams.
Schedule a Consultation
2 sides
Group plans for staff, individual plans for 1099 producers
50 states
Licensed and quoting nationwide
$0
Agency fees — carriers pay us, never you
Why insurance agencies is different
Insurance agencies face a familiar split: W-2 office staff and CSRs on one side, and 1099 producers and independent agents on the other. The staff expect real benefits. The producers — often the revenue engine — have historically been left to fend for themselves.
We build both sides of that equation. For your W-2 team, we design group medical, dental, and vision plans sized for a small agency. For your producers, we set up guided individual and family enrollment that captures marketplace tax credits — a recruiting and retention story no captive carrier can match.
And because we are an independent agency ourselves, we understand E&O-sensitive conversations, carrier relationships, and why your producers will only trust coverage advice that actually holds up.
We understand your challenges
- Producers are 1099 and cannot join the agency group plan
- Small headcounts make traditional group plans expensive
- Losing good CSRs to agencies that offer real benefits
- Producer income swings make subsidy planning confusing
- Owners are too busy selling to shop their own coverage
How we help
- Group coverage that keeps your office staff from leaving
- A benefits story that helps recruit and retain producers
- Individual plans optimized for commission-based income
- Defined-budget options like QSEHRA and ICHRA to control costs
- One independent advisor for the principal, staff, and producers
What we put in place
Group plans for W-2 staff
Medical, dental, and vision for your office team — sized for agencies from 2 employees up, with level-funded options that reward healthy groups.
Producer coverage programs
A turnkey enrollment path for 1099 producers into individual and family plans with tax credits — positioned as an agency benefit without classification risk.
Principal & family coverage
Individual, family, and ICHRA strategies for agency owners whose income does not fit a W-2 group plan neatly.
QSEHRA and ICHRA setups
Tax-free reimbursement arrangements that let the agency fund coverage on a defined budget instead of absorbing premium hikes.
Who we help in insurance agencies
- Independent P&C and life & health agencies
- Agency principals and owners buying their own coverage
- 1099 producers and sub-agents needing individual plans
- CSRs, account managers, and office staff on group plans
- Captive agents transitioning to independence
- Real estate brokerages with affiliated insurance operations
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
Can our 1099 producers join the agency group plan?+
No — group eligibility requires W-2 employees, and including producers creates misclassification risk. We set up group coverage for staff plus a guided individual enrollment program for producers instead.
We only have 3 W-2 employees. Can we still get a group plan?+
Yes. Group plans are available for teams as small as 2 W-2 employees, and level-funded or QSEHRA options can make small-group coverage surprisingly affordable.
Can the agency contribute toward producer premiums?+
Yes, carefully. Many agencies offer a fixed monthly stipend producers apply to their own individual plan. We help structure it so it supports recruiting without creating employer-plan compliance issues.
What happens to a producer's coverage if they leave the agency?+
Nothing changes for them — individual plans belong to the producer and are fully portable, wherever they take their book.
Do you work with real estate brokerages too?+
Yes. Brokerages share the same W-2 staff / 1099 agent split, and we run the same dual structure for them. See our real estate industry page for details.
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