Beam’s new and improved 2023 Brokerage Bonus Program offers bigger payouts, opportunities to earn, and expanded eligibility.

New Group Sales Bonus

Earn up to a 6% bonus (increased from 2.5% in 2022) on collected premiums for new group sales. The more groups you sell, the higher your bonus! How it works:

• Eligible brokers with a direct agent or agency relationship with Beam and cannot have a separate compensation structure above the set commission.
• Your brokerage sells a minimum of 15 new groups or $200,000 in annual recurring revenue (ARR).
• Effective dates of January 1, 2023 through December 31, 2023.
• Must have at least five eligible employees enrolled for Beam coverage.

Renewal Sales Bonus

Earn up to an additional 2% bonus on group renewals. How it works:

• Brokerage achieves new group sales bonus (see New Group Sales Bonus above).
• At least $500,000 in annualized in force premium as of January 1, 2023.
• Minimum of 85% premium persistency.

Learn more about the 2023 Brokerage Bonus Program.

2023 Fall Incentive Program

Offer your clients huge savings on pre-tax or COBRA services for effective dates through January 1, 2024. To qualify, a service agreement must be signed and submitted by September 29, 2023.

• All pre-tax and COBRA implementation fees are waived.
• No file feed integration fees for both pre-tax and COBRA plans.
• One month of administration fees will be waived.
• No renewal fees and a 3-year rate guarantee.

To learn more, download the 2023 BRI Fall Incentive Program flyer.

Small Business Incentive Program

Now it’s easier to earn points for every sale that qualifies for Blue Shield’s Small Business Incentive Program (February 1, 2023 to January 1, 2024 effective dates). You can redeem your points for rewards from hundreds of great options, such as gift cards, electronics, products for your home, and more. Or convert your points to cash with a Visa gift card. Best of all, there are no complicated tiers or calculations required!

You Can Earn

• 100 points per new member who enrolls in a Tandem PPO plan or a Virtual Blue plan as part of the initial sale.
• 50 points per new enrolled medical member on all plans, excluding Tandem and Virtual Blue PPO plans as part of the initial sale.
• 10 points per new enrolled member in a small business dental plan.
• 5 points per new enrolled member in a small business vision plan.
• 5 points per new enrolled member in a small business life insurance plan.
• 40 points (2x points) per new member enrolling in all three – dental, vision, and life.
• 25 points for setting up a group on autopay during initial enrollment.

With the Producer Rewards points-based bonus program, each point is equal to one dollar. Plus it’s easy to keep track of your point status and what you’ve earned.

Learn more about the Small Business Incentive Program and Producer Rewards Program. Enroll in the Blue Shield Producer Rewards Program today.

Groups written through Claremont are eligible for this program.

Renewal Rewards Program

As an additional incentive, earn points redeemable for rewards for renewing groups with new members into Blue Shield’s Tandem PPO, Virtual Blue or Specialty plans. What’s more, all point distributions are in addition to standard commissions.

How to Qualify

• Applicable for small groups (1-100 employees).
• Brokers must opt-in by submitting a W9 form. If a broker is part of an agency, the parent agency must opt-in first.
• Renewal submissions must be submitted through the Small Group Online Renewal Tool using the same broker profile as the one that opted in. New Blue Shield members enrolled at group renewal must be enrolled through Employer Connection.

You Can Earn

• 100 points per new enrolled member in a Tandem PPO plan. February 2023 – January 2024 effective dates.
• 100 points per new enrolled member in a Virtual Blue plan. March 2023 – January 2024 effective dates.
• Specialty plans. February 2023 – January 2024 effective dates.
  – 10 points per new enrolled dental member.
  – 5 points per new enrolled vision member.
  – 5 points per new enrolled life member.

Download the Renewal Rewards Program flyer to learn more.

Groups written through Claremont are eligible for this program.

Kaiser Permanente Small Group Broker Bonus Program

Earn a Kaiser Permanente $100 bonus, per enrolled member when you enroll at least 10 members from a qualified, new small group through CaliforniaChoice, Covered California or Kaiser Small Business. October 1, 2023 – January 31, 2024 effective dates.

Example: Earn a $2,100 bonus when you sell a new group with 30 full-time employees and enroll 21 new members with Kaiser Permanente.

21 enrolled members x $100 = $2,100.

This bonus is on top of your regular commission and standard broker reward programs. Download the flyer for details.

‘A Partnership That Pays’ Bonus Program

Agents who place new small group business with CCSB from July 1, 2023 – January 1, 2024 can earn up to a $12,000 bonus per group, in addition to competitive commissions. To qualify for the first bonus tier of $1,000, agencies must submit a minimum of three groups with four enrolled employees. Best of all, the bonus is per group with no maximum number of groups!

Download the flyer for details.

Kaiser Permanente Small Group Broker Bonus Program

Earn a Kaiser Permanente $100 bonus, per enrolled member when you enroll at least 10 members from a qualified, new small group through CaliforniaChoice, Covered California or Kaiser Small Business. October 1, 2023 – January 31, 2024 effective dates.

Example: Earn a $2,100 bonus when you sell a new group with 30 full-time employees and enroll 21 new members with Kaiser Permanente.

21 enrolled members x $100 = $2,100.

This bonus is on top of your regular commission and standard broker reward programs. Download the flyer for details.

Small Business Broker Rewards Program

To earn additional compensation for selling and retaining eligible groups of 2-99 lives, enroll in Delta Dental’s Small Business Broker Rewards Program at ddsbrewards.com.

Retention Sales Bonus

To qualify, retain at least 92% of your book of business through 2023 and meet a new sales reward level. If you do both, you’ll earn a bonus for each. If you’re new to Delta Dental, your new sales alone will qualify.

• 3% bonus when you retain 92%-96.9% of your existing business.
• 4% bonus when you retain 97%-100% of your existing business.

New Sales Bonus

Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received for effective dates in 2023. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this program is on top of your existing standard small business commission.

• Level 1: 3% bonus – 5-14 new groups or $150,000-$499,999 new premium.
• Level 2: 4% bonus – 15-24 new groups or $500,000-$999,999 new premium.
• Level 3: 5% bonus – 25+ new groups or $1,000,000+ new premium.

Sign up for the rewards program and access the small business broker rewards dashboard to easily track your rewards. If you’ve joined in previous years, simply log-in to be eligible for 2023. To learn more, download the flyer.

Dental Bundling Bonus

Sell a Bundle, Earn a Bundle! To earn a bonus, sell a new Humana dental line of coverage with at least one additional specialty line of coverage with the same employer group and the initial effective date of coverage between July 1 and January 31, 2024.

• Groups with 5-49 eligible enrolled employees (must be at least 5 enrolled):
  – $200 bonus for dental + $100 for vision + $100 for life + $300 for disability coverage.
• Groups with 50+ eligible enrolled employees:
  – $300 bonus for dental +$200 for vision + $100 for life + $500 for disability coverage.

Specialty Lines of Coverage

• Group Term Life (Including AD&D)
• Group Term Supplemental Life (Including AD&D)
• Group Vision (Including Voluntary Vision)
• Group Dental (Including Voluntary Dental)

To learn more, download the Dental Bundling Bonus flyer.

Specialty Growth Bonus

Intended for specialty lines of coverage of all sizes, the Humana Specialty Growth Bonus is paid once annually, within 60 days after the January 31, 2024 program end date.

2023 Enhancements

• Earn new business points for each specialty line renewed with clients that currently have medical coverage. Those renewed lines will still count in your premium persistency calculation in your Specialty Growth Bonus payment.
• New business points increased from .5 to 1 point per line of coverage for <10 enrolled employees.
• Bonus percentage increased from 4% to 5% for plans with <25 insured lives for producers that achieve “Peak” persistency and are at the “Elite” compensation level.

Bonus Program Highlights

• Tiered structure allows you to earn more as you climb to the next level.
• Opportunities for selling new and retaining existing business – and for case sizes big and small.
• Rewarded for multi-line sales year-over-year so you don’t have to start fresh each year.
• Earn up to 7% book of business revenue.

Eligible Products

• Group Term Life (Including AD&D)
• Group Term Voluntary/Supplemental Life (Including AD&D)
• Group Vision (Including Voluntary Vision)
• Group Dental (Including Voluntary Dental)

To learn more, download the Specialty Growth Bonus flyer.

Multi-Product Advantage

Earn 1.5% additional broker compensation when selling dental plus two coverages.
How it works:

• Step 1: sell a dental plan and at least two new coverages from two or more different product groups.
• Step 2: verify qualifying criteria and ensure that each case has dental coverage, 10-99 eligible lives, and 10+ lives enrolled in each product. All coverages must be sold and implemented at the same time.
• Step 3: earn an additional one-time payment of 1.5% of the annualized premium for each product sold.

No expiration. Download the MetLife Multi-Product Advantage flyer.

2023 Bonus Programs

Production Bonus
The more you sell, the higher the bonus factor. Whether you sell several smaller cases or just a few larger cases, you can qualify for a production bonus based on new sale credits for each of these qualifying coverages or services. The bonus applies to any new business written between January 1, 2023 and December 31, 2023.

Premium Persistency Bonus
The more premium you retain the higher the bonus factor. The bonus applies to new business written through December 31, 2023.

Qualifying For The Production and Premium Persistency Bonus Programs

Earn one new sale credit for each of these qualifying coverages or services:

• Voluntary or non-voluntary dental, short-term disability (STD), long-term disability (LTD), life, or vision*.
• Voluntary accident or critical illness.
• Paid Family and Medical Leave (PFML).
  – Paid Family Leave (PFL) – half credit.
  – Paid Medical Leave (PML) – half credit.
• Employer-sponsored individual disability insurance (IDI).
• eBenefits Edge Total Management (Total Management) services sold.

Download the Principal Broker Bonus flyer for details.

*Self-funded dental, STD, and vision are not eligible.

Privileged Partner Program

With two levels of recognition: Elite and Platinum, the Privileged Partner Program membership is based on the number of new Principal coverages, the premium persistency of your group benefits block with Principal, and for Elite qualifiers, the amount of inforce premium.

Qualification Criteria:

• Elite
  70 new coverages, 86% premium persistency, and $1 million inforce premium in the previous calendar year.
  OR
  60 new coverages, 86% premium persistency, and $3.5 million inforce premium in the previous calendar year.
• Platinum
  40 new coverages and 86% premium persistency, and $500,000 inforce premium in the previous calendar year.
  OR
  30 new coverages, 86% premium persistency, and $1.5 million inforce premium in the previous calendar year.

Additional Bonus

Elite and Platinum brokers can earn an additional bonus for placing and maintaining group benefits with Principal. New coverages must include at least five lives. Renewals are not included in this program.

Qualification Criteria and Bonus Formula:

• Elite or Platinum qualifier and 50-69 new coverages – 1% x annualized first-year premium.
• Elite or Platinum qualifier and 70+ new coverages – 2% x annualized first-year premium.

The Privileged Partner Program applies to all Principal group products – employer-sponsored and voluntary.

Download the Privileged Partner Program flyer for details.

Premier Producer Programs

Increase your revenue with the Reliance Matrix 2023 SmartChoice Premier Producer Program and the 2023 Premier Producer Program.

2023 SmartChoice Premier Producer Program
The SmartChoice portfolio of products features plan designs for groups with 2–19 lives. 

• The two-part, three-tier program allows you to earn more as your write more.
• New Business – potential incentive compensation of 2.5% to 4.0% of new earned premium.
• Renewal Business – potential incentive compensation of 1.5% to 3% of earned premium/renewal. To qualify, agents must first qualify for at least Tier I of the New Business incentive.
• All incentives are paid in addition to standard SmartChoice commissions.
• Agents must be appointed with Reliance Matrix to participate and be eligible for the Premier Producer Program.

Get the 2023 SmartChoice Premier Producer Program details.

2023 Premier Producer Program
Available for all lines of coverage outside of the SmartChoice portfolio, the Premier Producer Program offers customizable plan options for groups with 10+ enrolled.

• New Business – potential incentive compensation of 2.5% to 4.0% of new earned premium (minimum 3 new lines).
• Renewal Business – potential incentive compensation of 1.5% to 3% of earned premium/renewal. To qualify, agents must first qualify for any Tier I New Business incentive.
• Agents must be appointed with Reliance Matrix and achieve both new sales and persistency goals to be eligible to participate in the Premier Producer Program.
• Employer-paid and voluntary group contracts count toward qualification and calculation.
• Lines of coverage: short-term disability, long-term disability, life, dental/eye care, limited benefit medical, special risk, voluntary critical illness, and group accident and hospital indemnity.

Learn more about the 2023 Premier Producer Program.

Download the Blue Shield Commission Schedule.

Download the Choice Builder Commission Schedule.

The sole factor to determine the applicable commission schedule for all groups is the number of enrolled employees in the employer group at the time the employer group enrolls in coverage through Covered California for Small Business.

Download the Humana Commission Schedule.

Download the MetLife Commission Schedule.

Download the Principal Commission Schedule.

Download the Reliance Matrix Commission Schedule.

Download the TASC Commission Schedule.