FOR BROKER PARTNERS
IBG is built for employee benefits brokers and consultants who want to expand their individual benefits offering, protect client relationships, and increase revenue—without hiring specialists or managing complex operations.
THE CHALLENGE
When employees retire, leave their jobs, or experience life changes, they turn to external advisors for individual benefits guidance—and often don't come back to you.
Medicare, ACA, COBRA, and life-event transitions require specialized expertise. Hiring or training staff is expensive and time-consuming.
You're losing revenue opportunities on individual benefits while competitors with specialized teams capture them.
Individual benefits regulations are complex and constantly changing. One mistake can create liability for your firm.
THE OPERATIONAL REALITY
Individual benefits management is fundamentally different from group benefits. The complexity, year-round servicing, and compliance burden distract from your core business and strain your team.
Special Enrollment Periods (SEPs) create time-sensitive opportunities and compliance risks. Life events like job loss, marriage, birth, or divorce trigger qualifying events with strict 60-day windows. Managing SEP documentation, verification, and enrollment deadlines across dozens of clients requires specialized expertise and constant vigilance. One missed deadline or improper documentation can result in coverage gaps, client dissatisfaction, and potential liability for your firm.
Clients need to understand which plans cover their specific doctors, hospitals, and prescription medications. This requires deep knowledge of network structures, formularies, and plan details across hundreds of ACA marketplace plans and Medicare options. Recommending a plan without the client's preferred cardiologist or oncologist creates immediate client dissatisfaction and liability exposure. Manual matching is time-consuming and error-prone; systematic matching requires specialized tools and expertise.
Unlike group benefits with annual renewals, individual benefits require constant attention. Clients call with questions about claims, coverage, provider networks, and plan changes throughout the year. Prescription changes, health status updates, and life events trigger re-evaluation needs. This ongoing support burden is unpredictable and can overwhelm your team during peak periods, distracting from group renewal season and new business development.
Individual benefits regulations are complex and constantly evolving. ACA rules, Medicare regulations, state-specific requirements, and HIPAA compliance create significant liability exposure. Improper guidance on subsidies, enrollment deadlines, or plan selection can result in client harm, complaints to state insurance commissioners, and potential regulatory action against your firm. Staying current requires continuous education and specialized expertise.
Your firm's core competency and revenue driver is group benefits. Individual benefits management diverts staff time, attention, and resources from group renewals, new business development, and strategic planning. During peak season (open enrollment, renewal season), individual benefits issues create competing priorities that pull your team away from high-value group work. The result: slower group renewals, missed opportunities, and reduced profitability.
THE IBG SOLUTION
Your clients interact with your brand. IBG operates seamlessly behind the scenes, handling Medicare, ACA, COBRA, and life-event transitions with your firm's name on every communication.
When clients turn 65, IBG guides them through Medicare enrollment, Part D selection, Medigap options, and coordination with retirement income planning—all under your brand.
Job loss, early retirement, or coverage gaps trigger urgent needs. IBG provides immediate guidance on ACA marketplace plans, COBRA alternatives, and bridge coverage options.
IBG creates customized educational content for your clients and their employees—webinars, guides, and decision tools that position your firm as a trusted advisor.
Your clients stay with you through every transition. IBG ensures clients see your firm as the primary advisor, protecting your lifetime relationship value and recurring revenue.
Expand your revenue streams through revenue-sharing models on individual benefits guidance, allowing you to grow without proportional cost increases.
Your brand is the face of your firm's benefits practice. IBG operates invisibly, providing expert guidance while your firm maintains the client relationship and brand authority. Your clients don't know they're working with a partner—they think it's your team.
Medicare is complex. Clients face dozens of decisions: Parts A, B, D, Medigap vs. Medicare Advantage, enrollment deadlines, late-enrollment penalties, and coordination with retirement income. IBG handles all of it, ensuring your clients make informed decisions and your firm stays the trusted advisor.
We analyze current coverage, retirement income, and healthcare needs to recommend optimal Medicare strategy.
We provide clear, jargon-free explanations of Medicare options and help clients understand their choices.
We guide clients through enrollment, manage deadlines, and ensure no penalties or coverage gaps.
We review coverage annually and adjust as circumstances change (income, health, family status).
Job loss, early retirement, or business closure creates urgent coverage needs. Your clients need immediate guidance on COBRA, ACA marketplace plans, subsidies, and cost-effective alternatives. IBG provides rapid-response support to ensure continuous coverage and optimal plan selection.
COBRA analysis, ACA marketplace options, subsidy eligibility, bridge coverage
Pre-Medicare coverage strategies, ACA planning, spousal coordination
Immediate coverage solutions, COBRA alternatives, group-to-individual transition
Dual-income to single-income transition, coverage optimization, cost reduction
Educated employees make better decisions and stay engaged with your firm. IBG creates customized educational content—webinars, guides, decision trees, and benefit statements—that positions your firm as a trusted advisor and reduces support burden.
Your most valuable asset is your client relationships. IBG ensures your clients stay with you through every life transition. They see your firm as the primary advisor, protecting your lifetime relationship value and recurring revenue.
Expand your revenue without proportional cost increases. IBG offers flexible revenue-sharing models that align our success with yours. You grow your individual benefits revenue while maintaining your profit margins.
Fixed fee per client transition (Medicare, ACA, COBRA, life events)
Percentage of individual benefits revenue generated through your firm
Combination of per-client fees and revenue sharing based on volume
All models are customized based on your firm's size, service mix, and business objectives. Let's discuss what works best for you.
Individual benefits administration is complex and time-consuming. IBG handles compliance, enrollment management, deadline tracking, and ongoing support—freeing your team to focus on client relationships and business development.
PARTNER TYPES
IBG works with diverse professional practices, each facing unique individual benefits challenges. We solve specific problems for each partner type.
THE PROBLEM
Your core business is group benefits. Individual benefits create operational burden, staff distraction, and revenue leakage.
THE IBG SOLUTION
IBG handles Medicare, ACA, COBRA, and life-event transitions under your brand. Your team stays focused on group renewals and new business while you capture individual benefits revenue.
YOUR BENEFITS
THE PROBLEM
Your clients transition from employees to retirees. They need Medicare and individual health guidance, but it's outside your expertise and distracts from property & casualty renewals.
THE IBG SOLUTION
IBG becomes your individual benefits extension. Your clients receive expert guidance under your brand while you maintain the relationship and capture new revenue streams.
YOUR BENEFITS
THE PROBLEM
Your clients need healthcare cost planning and Medicare coordination with retirement income. Providing this guidance requires benefits expertise you don't have, creating client dissatisfaction and relationship risk.
THE IBG SOLUTION
IBG provides Medicare and individual benefits guidance integrated with your financial planning. Your clients see one advisor; you deliver comprehensive retirement solutions.
YOUR BENEFITS
THE PROBLEM
Your clients ask for individual benefits guidance during transitions (job loss, retirement, COBRA). You lack the expertise and operational capacity to serve this need.
THE IBG SOLUTION
IBG handles individual benefits consulting for your clients. You stay the trusted HR advisor while IBG manages the operational complexity of Medicare, ACA, and COBRA.
YOUR BENEFITS
THE PROBLEM
Your clients experience life transitions (retirement, job loss, marriage) that trigger individual benefits needs. You're often the first point of contact, but lack the expertise to help.
THE IBG SOLUTION
IBG becomes your individual benefits partner. When clients need Medicare or ACA guidance, you refer them to IBG, creating revenue and deepening relationships.
YOUR BENEFITS
THE PROBLEM
Your clients need to qualify for mortgages with stable income and healthcare coverage. Retirees and self-employed individuals struggle with Medicare and individual health planning, affecting their financial profile and qualification.
THE IBG SOLUTION
IBG helps your clients optimize healthcare costs and coverage, improving their financial stability and mortgage qualification prospects. You refer clients to IBG; they get better outcomes.
YOUR BENEFITS
EDUCATION & COMMUNICATION
IBG provides comprehensive educational services that position your firm as a trusted advisor while reducing client confusion and improving outcomes. We deliver expert-led consultations, group meetings, and communication materials—all under your brand.
Expert-led group meetings for your clients turning 65 or approaching Medicare eligibility. We cover Parts A, B, D, Medigap vs. Medicare Advantage, enrollment deadlines, and cost optimization strategies. Delivered under your brand to strengthen your advisory relationship.
WHAT'S INCLUDED
One-on-one consultations helping clients plan healthcare coverage, costs, and benefits coordination as they approach retirement. We integrate Medicare planning with Social Security, pension decisions, and long-term care considerations.
WHAT'S INCLUDED
Educational support for employees experiencing job loss, career changes, or life events triggering ACA marketplace needs. We explain subsidy eligibility, plan options, and enrollment processes—reducing confusion and improving decision quality.
WHAT'S INCLUDED
Group or individual education on COBRA costs, eligibility, and alternatives including ACA marketplace plans, spousal coverage, and bridge coverage options. Helps clients make informed decisions during employment transitions.
WHAT'S INCLUDED
Custom benefits communication materials—webinars, guides, videos, and infographics—that help your employees understand their benefits options. All materials carry your branding and positioning.
WHAT'S INCLUDED
When your firm experiences organizational changes (mergers, downsizing, restructuring), IBG provides educational support helping affected employees understand their coverage options and navigate transitions smoothly.
WHAT'S INCLUDED
Educated clients make better decisions, experience fewer regrets, and remain more satisfied with their coverage. Educational services also strengthen your advisory relationship by positioning your firm as a trusted guide through complex benefits decisions. IBG handles the operational complexity and expertise delivery—you maintain the relationship and brand authority.
LONG-TERM PARTNERSHIP
Your clients deserve continuity through major life transitions. IBG provides the expertise, operational infrastructure, and year-round support that transforms individual benefits from a one-time transaction into a strategic partnership. We protect your relationships, reduce complexity, and ensure your clients navigate critical decisions with confidence—all while you maintain the advisory relationship and build long-term loyalty.