Your clients' whole benefits year, in one place.
Read the renewal, quote it, send the proposal, record the decision and build the employee Benefits Portal and Booklet, without retyping anything along the way.
Agencies juggle a lot of clients and a lot of separate tools, and the work falls through the gaps between them. BenefitLab connects the steps, so what you enter once follows the client all the way through. Cited answers, ready-made handouts and training sit right beside the work.
The renewal, start to finish.
Meet Stella, your AI assistant. She works through each step of the renewal with you, and each step starts from what the last one already knows.
Renewal
Upload the carrier's renewal. Stella reads the plans, rates and census from Blue Cross, UnitedHealthcare, Baylor Scott & White and Blue Balance Funded renewals, and keeps the offer on the client's record.
Quote
Quote off the census the renewal already gave you. Stella finds the most similar plans from each carrier, side by side, with fully insured and level-funded options and a downloadable workbook.
Proposal
Turn the quote into a clear, branded proposal your client opens on a link. It starts with a recommendation built the way you recommend, and shows its reasoning.
Decision
Your client decides right on the proposal link, with no sign-in, and answers the questions you need to get enrollment ready.
Benefits Portal
Start the employee Benefits Portal from the decision. Plans, costs, required notices, forms and links to where employees enroll, in English or Spanish, at one easy link.
Benefits Booklet
The same setup prints a branded Benefits Booklet, with a clickable contents page, plan summaries and the notices employees need.
Enter it once.
The census from the renewal feeds the quote. The quote feeds the proposal. The client's decision and setup answers feed the portal. Next year, Stella starts from this year's plans. Every step a broker does not have to retype is time back.
Ask Stella, your AI assistant
The app gives you a lot, but it will not always be set up exactly the way you want it. Instead of hunting for the setting, ask Stella. She can make changes on the screen you are on, such as adding a plan to a comparison, rewording a portal page, switching sections on or off or changing colors, and she shows you what she will change before anything is saved.
She can also read a file full of client information and fill in what belongs where.
Recommends the way you do
Tell BenefitLab the strategies you recommend most often, in the order you reach for them. The proposal works through the same steps you would: stay with the current carrier, make some tweaks, then look at similar plans elsewhere, and it explains why before it suggests anything bigger.
Your logo and colors go on the proposal, the workbook, the portal and the booklet. Your client sees your agency, not ours.
Answers you can stand behind.
Benefits questions come up all day. Members get answers drawn from checked sources, not a guess from the open internet.
The Benefits RAG
RAG stands for retrieval-augmented generation: the answer is pulled from a curated benefits knowledge base first, then written up, with the sources cited. Compliance, Medicare, Texas Medicaid, plan design, self-funding and more.
Turn an answer into an easy-to-read handout for your client, branded with your agency.
Knowledge Base guides
Plain-English guides that teach a topic from the beginning: HSAs, FSAs, Section 125, HRAs and CHOICE Arrangements (formerly ICHRA), ERISA, level funding, self-funding, Medicare enrollment, Part D and more.
Ready-made handouts
One-page explainers for employers and employees, branded with your logo when you share them. Use them as they are, or save a copy to your library and make it your own.
Keep learning, and keep the reference close.
The learning side of the membership, built from years of teaching agents.
Training
- AI training for insurance agents
- The Answer Desk: hundreds of questions agents asked in Eric's CE classes, with his answers
- CE course reference guides
- Texas property and casualty guides
Tools and charts
- Part D creditable coverage toolkit
- Premium tax credit and IRMAA charts
- Medicare timing and penalty tools on each Medicare client
Carrier library
- Carrier forms, searchable by the job you need to do
- Plan grids and carrier flyers
- Summaries of Benefits and Coverage
- What changed from this year's plans to next year's
Clients, prospects and renewals
Keep your whole book in one place: client profiles, prospects, notes, to-dos and a renewal tracker that shows where every client stands and what is next. Where the tools already know the answer, the tracker fills itself in.
A separate list keeps your individual and Medicare clients, with their key dates.
Today and Insights
Today shows the clients waiting on you, your to-dos and the renewal steps coming up in the next two weeks. Insights sums up your book across clients.
Your agency's people share one workspace, so the whole team sees the same clients.
The quoting, the plans and the compliance research cover Texas and federal rules today. We are working to add other states.
Insurance first. AI second.
BenefitLab is built by an insurance person using AI, not an AI company pretending to understand benefits.
Created by Eric Johnson.
BenefitLab was created by Eric Johnson, a longtime health insurance professional, CE instructor, writer, and tool-builder who has spent nearly three decades helping agents understand and explain benefits.
Eric has worked across the insurance industry, including carrier, agency, general agency, HSA administration, TPA, compliance, writing, CE, and tool development. BenefitLab brings that experience together with AI, structured knowledge, education, and practical tools.
The purpose is simple: help agents learn faster, explain benefits more clearly, and have better resources at the moment they need them.
See it with your own renewals.
Watch a real renewal go from upload to proposal, or email Eric to talk about a membership for your agency.