A health and life broker you can send clients to.
You see the 1099s, the premiums and the subsidy cliff on the return. Send us the name. We review options and report back to you. Your client stays your client.
Or email the name to referrals@brandedinsurancegroup.com.
Their coverage problems end up on your return.
- You are the one explaining it. The premium tax credit reconciliation on Form 8962, the self-employed health deduction, the conversion that crossed 400% FPL.
- We are not a competitor. We do not prepare returns, offer planning or manage assets.
- Honest answers. If the client is fine where they are, that is what you and they will hear, with no pitch afterward.
- One team, start to finish. We answer the phone, and we are still here after the policy is issued.
Send them over and we will review options.
A return shows the situation. It does not show what a carrier will offer. If you are unsure, send the name.
Send these too
- Receiving a premium tax credit. Send them over and we will review options.
- Covered by an employer plan, their own or a spouse's, FEHB, or TRICARE. Send them over and we will review options.
- Already 65 and on Medicare. Send them over and we will review options.
- A medical condition. Send them over and we will review options. We will not guess the outcome in advance.
Send these over
- Above 400% FPL and under 65. Send them over and we will review options.
- 1099, self-employed, or between employers with nothing to fall back on.
- Retiring before 65 with no group plan to bridge the gap.
- A deductible the household could not pay, and no reserve set aside for it.
- A business owner whose own household has no plan.
- The plan calls for term coverage that is not in force, or that runs out before the need does.
Send them over and we will review options, then tell you what we found. No pitch follows a recommendation to leave coverage as it is.
Three steps. You are in the loop for all of them.
Send the name
Use the referral form, your personal link, or email the client's name and email to referrals@brandedinsurancegroup.com.
We do the work
We reach out the same business day, review options, and walk the client through them.
You hear how it ended
Connected, then placed or nothing to do. No health details are shared, and the client goes back to you.
A real conversation, not a call center.
- A call or text from our team from (786) 606-0139.
- A short conversation about doctors, prescriptions, budget and current coverage.
- Options side by side, including the option to change nothing.
- Help with the application, and health, life and disability reviewed together so nothing is missed.
- Back to you for tax and planning.
Clients who use it are attached to you.
Every partner gets a link like brandedinsurancegroup.com/r/your-name. Clients who use it are attached to you automatically, and you get the status updates. Your link is in your activation email.
Six situations, written to be used in the meeting.
Health, life and disability.
Health
Major medical, private health plans, PPO options, short-term medical, group health plans for small businesses, and other kinds of plans. We work with multiple carriers so we can look for a fit. UnitedHealthOne, Allstate, and Pivot Health are among them.
Life
Term, whole life and indexed universal life (IUL). When a business needs coverage on an owner or for a buy-sell agreement, we use one of those.
Disability
Disability coverage for the self-employed, professionals and business owners.
Carriers. Health through several carriers, including UnitedHealthOne, Allstate, and Pivot Health. Life through Aetna, Aflac, American Amicable, Americo, Ameritas, Baltimore Life, Banner Life, Corebridge, Foresters, John Hancock, Lincoln, Manhattan Life, Mutual of Omaha, Nationwide, North American, Protective, Prudential, SBLI and Transamerica. Not every product is available in every state.
Need an ACA or Medicare plan? We can help with that too. Book a call.
Two ways. Use whichever is faster.
The referral form
Your details, your client's name and contact, and a line on the situation. About a minute.
Email the name
Send the client's name and email to referrals@brandedinsurancegroup.com. We take it from there.
What partners ask first.
Do you share my client's health information with me?
No. You hear the outcome: connected, then placed or nothing to do.
What if they are on the marketplace with a credit?
Send them over and we will review options, then tell you and the client what we found.
Will you contact clients I do not refer?
No. We only reach out to people you send us or who reach out to us.
How fast do you follow up?
The same business day.