Grow Your Book.
Help Your Clients Save.
Real Commission.
Fixed indemnity plans pair perfectly with Section 125. They give your clients real payroll tax savings while you expand your offerings.
Why Partner With Us
Why Brokers Partner With Us
Easy Implementation with Support
We handle the technical setup and compliance work. You focus on the client relationship. Dedicated broker support throughout the process.
Competitive Commission Structure
Industry-leading commission rates on fixed indemnity enrollment, with simplified commission tracking and timely payouts.
White-Glove Onboarding
We work directly with your client groups to ensure smooth enrollment and implementation. Marketing materials and education provided.
The Process
How It Works for Brokers
Introduce Section 125 + Supplemental Benefits
Present Section 125 plans as a way to reduce your client's payroll taxes. Show how fixed indemnity plans complement the offering and provide additional employee coverage options.
We Handle Plan Setup and Compliance
We manage the Section 125 plan document, enrollment system setup, and compliance requirements. Your client gets a turnkey solution without the administrative burden.
Employees Enroll in Fixed Indemnity Coverage
Employees elect the supplemental coverage that makes sense for them. We provide enrollment support and employee education.
Client Saves, You Grow Your Book
Your client saves on payroll taxes. Employees get additional coverage. You earn commission on fixed indemnity enrollment and expand your relationship.
Growth Opportunity
Grow Your Book With Section 125
Reopen Closed Conversations
Every employer paying health insurance premiums is a candidate. Use the FICA calculator to show savings in the first meeting — it gets attention.
Stack Revenue Per Client
Add fixed indemnity enrollment on top of existing group health business. More products per client means a more resilient, higher-value book.
Differentiate From Competitors
Most brokers don't proactively offer Section 125 optimization. Leading with tax savings positions you as a strategic advisor, not just a plan vendor.
Resources
Broker Resources
Section 125 Comprehensive Guide
Share with your HR and CFO prospects. Complete overview of how Section 125 plans work and their benefits.
View Resource
FICA Savings Calculator
Interactive tool that shows employers exactly how much they'll save. Use it in prospect meetings to close faster.
Open Calculator
Fixed Indemnity Plans Guide
Educational resource on how fixed indemnity coverage works and how it complements major medical insurance.
View Resource
FICA Savings for Employers
Send this to prospects who want the detailed breakdown. Real numbers showing employer-side payroll tax savings.
View Article
Supplemental Benefits 101
Help your clients understand how supplemental coverage fits into their overall benefits strategy.
View Article
Broker Support Team
Need case studies, pricing info, or implementation support? Schedule a call with our broker relations team.
Schedule Call
Important: Fixed indemnity insurance is supplemental coverage that pays a fixed dollar amount for covered services. It is NOT major medical insurance and does NOT satisfy the Affordable Care Act (ACA) requirement for minimum essential coverage. Fixed indemnity plans should be used to supplement, not replace, comprehensive health insurance.
Ready to Add Section 125 to Your Toolkit?
Join our partner network. We provide the training, marketing materials, and back-office support. You bring the client relationships.
Become a Benefits Partner
Join our network and grow your book with Section 125 plans.
Learn About PartnershipEducational Content Only: The information provided on benefitsgenius.co is for educational and informational purposes only. It does not constitute insurance, tax, legal, or financial advice. Consult with qualified professionals regarding your specific situation.
Ready to see how much your company could save?
Connect with David Toves for a free, no-obligation consultation — or ask Sarah a quick question anytime.
