YOU KEEP THE RELATIONSHIP ยท YOU KEEP THE COMMISSION ยท $0 UPFRONT
What if you brought the number down?
Walk into the renewal with a flat or negative number instead of one you have to defend. We sit behind you, not between you and your client.
THE CONVERSATION YOU'RE DREADING
How many renewals can you defend?
A 15 to 45% increase isn't your fault, and your client knows that. They still remember who delivered it.
Carriers appoint brokers, and appointment defines the shelf. The programs that move trend hardest are billed out of savings, so they never entered your channel.
That's the gap. You can close it without changing anything else.
WHAT CHANGES FOR YOUR CLIENT
$2,000+ per employee, per year recovered
Flat to negative trend instead of a smaller increase
Better coverage not less of it
30 to 45 days to live, fully managed
WHAT DOESN'T CHANGE
What would you have to give up?
Nothing. This is a tool you bring, not a competitor you let in.
Your relationship
We are not appointed on your cases and don't want to be. Stay in the room or keep us in the background. Several partners white-label the whole thing.
Your compensation
These programs pay out of savings, not commission, so nothing touches what you earn today. There's room to participate on what we bring.
Your client's plan
Same carrier, same network, same cards, same doctors. Most levers bolt on without touching plan design at all.
WHAT YOU CAN BRING
What's on the other shelf?
Each one stands alone or stacks. Stack enough and trend goes flat or negative.
Steerage to better-rated doctors
11 to 17% off medical. Same network, same cards. Providers scored on 550+ quality metrics.
Transparent pharmacy (PBM)
Pass-through contracts with 100% of rebates returned: 15 to 25% off pharmacy spend.
Payment integrity
Fraud, waste and abuse runs 3 to 10% of spend. Bill review returns 1 to 1.5% of claims.
Level-funded and self-funded
Recover 8 to 15% of carrier margin and get the claims file back. You run the conversation.
Indirect spend, 60+ categories
10 to 30%+ outside the benefits P&L entirely. A reason to call clients between renewals.
$0-copay pharmacy and virtual care
Under $100 per employee, per year. A benefit upgrade that lowers cost instead of raising it.
WHAT'S IN IT FOR YOU
Does this cost you revenue?
No. These programs pay out of the savings they create, so they sit outside the commission structure entirely. Nothing touches your existing compensation, and there's room to participate on what we bring.
You keep your book. We just make it harder to leave.
WHAT ADVISORS ASK
The questions you're already thinking.
Why haven't I seen these before?
Who owns the client relationship?
Does the plan or carrier have to change?
What do you need from me to model a case?
What if the numbers don't hold up?
Which of your clients could most benefit from piloting this?
Pick the hardest renewal on your desk. We'll model it at no cost, and you decide what to do with the number.
Book a 15-minute call