Keep 100% of your commission. Forever. Every group you BOR in your first 12 months stays at 100% for life — no taper, no giveback. Plus a 15-tool platform that wins deals, keeps clients, and earns SaaS revenue your competitors don't know exists.
Independent benefits brokers spend half their week on admin, lose 12% of clients yearly to churn, and compete with nothing but a PDF and a handshake. There's a better way.
BOR your book during your first 12 months and keep 100% of your benefits commission — for the entire life of those groups. No Year 2 step-down. No Year 3 haircut. No giveback, ever. The platform earns its keep through SaaS revenue and new business growth, not by clawing back your book.
| Benefits Commission | SaaS Commission | Notes | |
|---|---|---|---|
| BOR'd Groups ForeverWithin first 12 months | 100%For the life of every group | 25%Lifetime | No taper. No step-down. Ever. |
| New Business — Agent-Sourced | 75% | 25% Y1 / 15% Y2+ | Your network. Your close. |
| New Business — Warm Leads | 70% | 25% Y1 / 15% Y2+ | BENEFITRA marketing-generated |
| New Business — Qualified Appts | 65% | 25% Y1 / 15% Y2+ | Inbound, qualified, booked for you |
| New Business — Fully BENEFITRA-Sourced | 50% | 25% Y1 / 15% Y2+ | We close it. You service it. |
| If You Leave | 50% of your current rate trails for life | No non-compete. No non-solicit. | |
12-Month Window. Lifetime Reward.
Every group you BOR within your first 12 months stays at 100% commission for life. Bring your full book over before the window closes.
Lifetime Trail = Your Safety Net
If you ever walk away, you earn 50% of your rate on every group that stays. Passive income, forever.
No Non-Compete. Period.
You're a 1099. You're free to leave anytime. The economics keep you here, not a contract clause.
Every group you BOR in your first 12 months stays at 100% commission for life. Plug in your real numbers and see what the next 5 years look like compared to staying on your current path.
Select the path that matches your situation.
Different lead sources pay different commission rates. This reflects who did the work to find and qualify the client.
Side-by-side comparison: your current trajectory vs. partnering with BENEFITRA.
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | 5-Year Total |
|---|
| BOR'd Book (within 12-month window) Forever | 100% |
| Agent-Sourced New Business | 75% |
| Warm Leads / Callbacks | 70% |
| Qualified Appointments | 65% |
| Fully BENEFITRA-Sourced | 50% |
| SaaS — BOR'd Book | 25% lifetime |
| SaaS — New Business | 25% Y1 / 15% Y2+ |
| Departure Trail | 50% of current rate, lifetime |
These projections are based on your inputs. Let's talk about making them real.
YOU OWN YOUR BOOK. FOREVER.
Every group you BOR within your first 12 months at BENEFITRA stays at 100% commission for life. No Year 2 haircut. No Year 3 step-down. No giveback — ever.
If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%.
No non-compete. No non-solicit. Just a fair structure that rewards partnership.
Your competitors walk in with a PDF and a quote. You walk in with a live platform demo, 15 HR tools, an AI benefits assistant, and numbers that close deals.
Demo a live platform, not a slideshow. Show employers their Total Compensation Statement in real time. Prospects close 2.5x faster.
Compliance calendars, performance reviews, comp statements, pulse surveys, and an AI assistant all live in BENEFITRA. Churn drops from 12% to 7%.
Every brokerage client is a SaaS upsell. Professional tier at $5 PEPM unlocks a recurring revenue stream that grows with your book.
We handle adds, terms, changes, and platform support. You save 10+ hours a week for selling and building relationships.
The hardest part of growing a book isn't winning new groups. It's keeping the ones you have. BENEFITRA gives your clients an entire support ecosystem that makes renewing with you the obvious choice, year after year.
12% → 7%
Average client churn drops nearly in half when employers use the BENEFITRA platform daily. More renewals means more commission, every single year.
Whether you're bringing a $500K book or just getting started, there's a structure built for your situation.
Bringing an existing book of business.
Under non-compete. Write new biz now, BOR later.
Currently under a GA. Stop giving 15-20% for nothing.
New to industry or growing your book. Managers ride along and help you close deals.
Whale Provision
Agents with 20+ groups or $300K+ annual production get a direct conversation with BENEFITRA for custom terms. Extended BOR windows, accelerated ramp incentives, and strategic partnership structures.
Most brokers grow by grinding through cold calls and hoping for referrals. BENEFITRA agents have an unfair advantage: two separate lead engines working in the background while you focus on closing.
We've built an unparalleled process for identifying and reaching highly qualified employers without requiring you to make a single phone call. Multi-channel sequences, precision targeting, and intelligent follow-ups run continuously in the background.
Prospects arrive warm, informed, and ready to talk.
BENEFITRA's digital presence generates substantial inbound interest from employers actively searching for benefits solutions. Free interactive tools, industry-leading content, and organic search rankings drive a steady flow of qualified prospects directly to our agents.
You close. We fill the top of the funnel.
BOR your book. Keep 100% commission for life on every group you transition in your first 12 months. Gain a platform, a SaaS revenue stream, admin support, and a competitive weapon your market has never seen. If you ever leave, you trail at half for life. No non-compete. No non-solicit.
[email protected] | benefitra.com/agents