Your clients' whole benefits year, in one place.
Join free for training, answers and a place to keep your book of business. Add Stella when you want help quoting and renewing group health business.
Agencies juggle a lot of clients and a lot of separate tools, and the work sometimes falls through the gaps between them. BenefitLab connects the steps, so what you enter once follows the client all the way through the process. We also include cited answers to frequently asked questions, ready-made handouts for clients, and lots of insurance and employee benefits training.
Free to join, with no card.
The free membership.
A place to learn, get answers and keep your book of business. It is not a trial, and it does not run out.
All of Our Learning Tools
- Knowledge Base guides: HSAs, FSAs, Section 125, HRAs and CHOICE Arrangements (formerly ICHRA), ERISA, level funding, Medicare and more
- The Answer Desk: hundreds of questions agents asked in Eric's CE classes, with his answers
- AI training for insurance agents
- CE course reference guides and Texas property and casualty guides
- Calculators and charts: premium tax credit, IRMAA, Part D creditable coverage and more
- Carriers & Vendors: detailed info on 190 carriers and vendors
The Benefits RAG, 25 questions per month
Use AI to interact with our knowledge base. We call this The Benefits RAG, which stands for Retrieval Augmented Generation. Basically, it means that AI is searching our data rather than relying on its training.
Compliance, Medicare, Texas Medicaid, plan design, self-funding and more, with the sources cited.
Your book of business
- Employer clients, prospects, notes, to-dos and a renewal tracker
- Individual and Medicare clients, with their key dates
- Who on your group plans turns 65 or 26 this year
- COBRA end dates and reminders
- Today and Insights, shared by everyone at your agency
Contact and policy details only: no health information and no Social Security numbers.
Stella, for quoting and renewing group health business.
Stella is our tool that helps you quote and renew group health business. She is also your AI assistant through each step, 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 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 Stella 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.
Branded handouts
Ready-made one-page explainers for employers and employees, branded with your logo. Use them as they are, or save a copy to your library and make it your own.
Unlimited questions and client documents
Ask The Benefits RAG as often as you like, with no monthly limit, and turn an answer into an easy-to-read handout for your client, branded with your agency.
Carrier forms and documents
Carrier forms searchable by the job you need to do, plan grids, SBCs (Summaries of Benefits and Coverage) and informational fliers, plus what changed from this year's plans to next year's.
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.
Start free. Add Stella when you are ready.
Join free today, watch a real renewal go from upload to proposal, or email Eric about Stella for your agency.