shutterstock_133973063 - 1200x800Tax law, business classification, accounts payable, regulatory fees – there are many ways for a business today to unintentionally pay more than their share. Taking the time to assess these factors and manage them can result in significant cost reduction and expense recovery. This translates into large opportunities for agents to strengthen client relationships and find new ways to clost deals. To illustrate, we provide you with a case study:

David, an Insurance Agent selling Property & Casualty insurance in Ohio, recently became a GMG/Stryde representative.  He immediately began calling his existing clients to introduce the GMG business cost recovery audit service he was now offering his clients.

One such client was a Commercial Investment Property Group with 12 properties he already was insuring for P&C coverages.  Over lunch with his client, he showed his 60 second tax savings online calculator (  On just one property, he calculated a $195,000 cost recovery available to the client!

Six months later, GMG has completed its audit and recovered $1,500,000 in tax credits for the client! The CPA representing the client has just referred David to several of his best clients.  David has also sold the client a business owner’s retirement plan which generated $155,000 in commission!

Chelten Benefits Group provides this service directly to your clients, or makes the tools available for you to use yourself – whatever works best for you! To learn more about how this works and what it can do for your clients and prospects (and you), contact us.

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Many business owners struggle to put away sufficient personal funds to live comfortably while retiring at a reasonable age, the savvy and determined business owner often being inclined to reinvest in the growth of the business. Presenting your business-owning clients with opportunities to strengthen their retirement funds is a compelling way to keep them in your book of business and even grow your future commissions.

The Chelten Benefits Business Owner’s Retirement Plan offers you the opportunity to connect your clients with commercial lenders willing to lend $1,000,000 or more on an interest only basis.

  • These funds are then deposited into an Index account, for the Owner’s benefit, free from market risk, growing tax deferred.
  • At retirement, the Owner can receive lifetime proceeds “tax free”.
  • At the Owner’s death, the loan is repaid and any remaining funds are distributed to the Owner’s beneficiaries, tax free.

To learn more about the plan and how it can strengthen your product portfolio, read on here or contact us.

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Joint Work for Agency Growth

  • Posted on June 20, 2017
  • by Admin

Clients are always seeking to lower costs. But costs can only go so low. Bring your clients new opportunities to save costs in other areas, increasing your value proposition and strengthening your relationships. The 15-5 Agency Growth Program allows you and your clients to benefit from expense reduction and cost recovery while parachuting you into more new prospects.

Government tax credits, overpaid invoices, and a variety of other factors contribute to the average business losing tens of thousands – even hundreds of thousands a year. Want to help your clients get it back and increase your commissions in the process? Watch the video to learn more.

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Selling Benefits with GAP Plans

  • Posted on June 13, 2017
  • by Admin

Group Supplemental Health plans or GAP plans are used to fill in holes in High Deductible Health Plans that most employers offer today – similar to “Medigap” supplemental insurance plans used by seniors. But these plans are available to anyone, and are considered excepted benefits under ACA guidelines. Offering these alternative or additional coverages can bring additional business to your agency and drive increased commissions. Click on the image to the right to watch a brief video. This is an example of the tools you’ll be able to use with and for your prospects and clients.

There are three GAP strategies that make a very compelling case:

Private Exchange – One Bronze plan base plan with multiple “buy up” GAP options. Instead of offering several major medical plans, simply give employees a strong network PPO Bronze plan and offer them several GAP plan options to “pick and purchase” the levels of GAP coverage they desire.

Insured HRA – Save money and duplicate or improve existing coverage. Combining a Bronze plan with GAP plan(s) can offer savings and even offer employees better coverages.

Cadillac Tax – ACA Bronze plan base coverage, then allow employees to “pick and purchase” the right amount of GAP coverage.

To learn more about how gap strategies can grow your book of business and drive increased commissions, contact us.

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shutterstock_252811903 - Copy1. Group GAP plans. Millions of Seniors purchase Medigap plans to fill in holes in Medicare A&B. Employer groups can offer the same strategy. Offer workers several Group “GAP” plans to fill in holes in HDHPs. Learn more about GAP coverage:

2. Return of Premium. Our plans pay 10% commission on the total premium. If you don’t use all your claims dollars, you get a refund at the end of the year. This works with Bronze HDHP plans for more health-conscious consumers.

3. Smartphone-Compatible Benefits Videos. Communicate coverage quickly and accessibly through 60 second video clips of all their benefits 24/7! HR personnel and employees love this service, and your competition doesn’t offer it. Samples available at

4. Stryde/GMG Cost Recovery Services. Let’s face it, at some point, we won’t be able to find any more health plan savings. You may be there already and yet your client won’t listen. They want savings. Look beyond health costs for your answer. You can now offer a cost audit service that recovers taxes, overpaid utilities, uncovers federal credits and more. Just show them our 60 second calculator and they will marvel at how much money you have recovered for them. To learn more, contact us.

5. Joint Work 15/5 Agency Growth Plan. Leveraging Stryde Services to enhance client revenue, we parachute you into new prospects seeking similar cost recovery solutions. These prospects become your next batch of Stryde clients as well your next batch of benefits prospects. We can even sell the Stryde services on your behalf as part of a joint work program! Learn more:

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The healthcare market has cycled in and out of growth phases for several decades – an indication of a market that neither bleeds (as did the airline industry in that period) nor exhaustively extorts (as in the case of pharmaceutical companies). At present the industry is expanding and maturing to meet new, unique market demands.

In the tumult of PPACA implementation with the potential for transition into new healthcare legislation, both profits and risks for insurance companies have increased. The paradigm is similar for employers – offering more attractive or flexible benefits make for a more compelling environment in which to recruit talent. But at what cost? The key for consumers, employers, and news personnel is to be mindful of the shifting nature of our healthcare system, and to seek out the most current and balanced information available.

This is a crucial opportunity for benefits agents and consultants to steer their clients and prospects in a direction that provides more adaptable and successful coverage solutions. HDHP alternatives like supplemental GAP insurance, cost-effective wellness initiatives, expense recovery solutions, and other novel tools will strengthen client relationships through improved employee acquisition and retention while growing your book of business. To learn more, contact us.

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HDHP + GAP Case Studies

  • Posted on May 23, 2017
  • by Admin

Sometimes the best way to understand how a solution works is to see it in action. HDHP + GAP implementation works for a wide variety of organizations – whether your client or prospect has 50 employees or 50,000. Though the specific coverages vary, the core concept of an inexpensive, bare-bones plan to comply with federal regulations in tandem with elective additional coverage becomes an asset for employer and employee alike.

To illustrate how this solution can help you close more business and retain more clients, read and leverage our case studies. And for more information on these and other novel solutions to improving your book of business, contact us.

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New Stryde Video Sales Tools for Benefits Agents

  • Posted on May 15, 2017
  • by Admin

Our new Stryde videos help agents bring GMG/Stryde cost reduction and expense recovery solutions to prospects and clients across more verticals with targeted messaging. The Stryde program can work for virtually any organization, but our new video target some of the most significant and relevant business sectors, including healthcare, hospitality, and more.

We’ve also created a new video the 15-5 Agency Growth plan leveraging Stryde Solutions to bring agents fruitful joint work opportunities. Click on the image below to visit the new and improved Stryde video page!

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Joint Work 15-5 Agency Growth Program

  • Posted on May 2, 2017
  • by Admin

Are your benefits agency commissions are being cut by ACA? Are you searching for new revenue solutions? Chelten Benefits Group “15-5 Agency Growth” value proposition is bringing new revenue opportunities to agencies of all shapes and sizes.

Just introduce us to 15 suitable business clients you currently represent (commercial property owners, auto dealers, manufacturers, restaurants, engineering, etc.). Over the next 12 months, we’ll earn your agency $300,000 new revenue and parachute you into 15 new business clients. Want to know more? Check out the infographic below and visit our new page.

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Organizations looking forward from 2017 prioritize recruiting and retaining talent through a variety of strategies, but none are more important than total compensation. The best and brightest are no longer concerned first and foremost with salary dollars, but with benefits that suit their needs. For larger organizations, offering flexible benefits solutions that speak to a vast array of divergent needs proves highly compelling. Individual employees can understand and control benefits and costs while the employers avoid the undue burden of excessive and underutilized coverages.

Introduce your clients and prospects to Level Funded Premium Plans with GAP or Insured HRA. Mitigated risk pools with return of unused premiums and elective supplementary coverages allow everyone to afford the benefits they want by giving them nothing less and nothing more – a custom-tailored solution for organizations of all shapes and sizes.

Read more about Level Funded Premium Plans and Group GAP Insurance.

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