Coverage tracks

Three plans.
One advisorwho actually picks up.

We built three coverage tracks around the real rhythm of an advisory practice — from the solo RIA writing premiums off Schedule C to the multi-state ensemble onboarding its fifteenth IAR. Pick the track that matches where your practice actually is, not where the carrier's brochure pretends it is.

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Track 01

Solo Practice

1 advisor • independent
From $186/mo
Quote in 9 minutes • No income re-verification surprises

For the RIA or insurance agent running a one-person book. Real PPO networks, HSA-eligible options, and the freedom to write off premiums on Schedule C.

  • Marketplace + off-exchange PPO / HMO sourcing
  • HSA + high-deductible pairings for self-employed
  • Tele-medicine and mental health included by default
  • 1099 tax-deduction documentation packet
Quote this track →Avg. quote returned same day
Track 02

Growing Firm

2–9 advisors + staff
From $412/employee/mo
Avg. firm saves 22% vs. SHOP marketplace

For practices adding paraplanners, junior advisors, or a CSA. Group-rated medical with carve-outs for partner-track talent and an admin portal you won't curse at.

  • Small-group medical with 3 plan tiers per employee
  • Owner-only execu-care rider (concierge primary care)
  • Section 125 cafeteria plan setup, done for you
  • ACA reporting + 1095-C filing handled
Quote this track →Most picked by RIAs under $250M AUM
Track 03

Multi-Advisor Enterprise

10+ advisors • multi-state
Custom underwriting
Dedicated benefits strategist assigned

For ensemble RIAs and IAR networks spanning state lines. Self-funded options, level-funded alternatives, and a benefits consultant who speaks RIA, not HR jargon.

  • Self-funded / level-funded medical modeling
  • Multi-state compliance (NY, CA, MA edge cases)
  • Custom benefits brochure for recruiting decks
  • Quarterly utilization reviews + renewal strategy
Quote this track →Underwriting takes 5–10 business days
What's actually covered

The honest comparison sheet.

No asterisks, no "*subject to underwriting" buried in 6-point type. Here's exactly what each track does, and where the add-ons begin.

FeatureSolo PracticeGrowing FirmMulti-Advisor Enterprise
Preventive care, $0 in-network
Telehealth (24/7) included
Mental health + therapy parity
HSA-eligible plan options
Concierge primary care rider
Spouse / domestic-partner coverageAdd-on
Dependent up to age 26
Multi-state portability (you travel)PPO only
Section 125 / cafeteria plan
ACA 1095-B / 1095-C filing handled
Self-funded modeling
Dedicated benefits strategistSharedNamedEmbedded
Stackable add-ons

Bolt these on to any track.

Mix and match. Disability is the one most independent advisors skip — and the one we'd argue you can't afford to.

Disability + income replacement

Because your book of business doesn't pay itself when you're out.

From $38/mo

Dental + orthodontia

Two cleanings, restorative, and $1,500 ortho lifetime.

From $24/mo

Vision + LASIK reimbursement

Annual exam, frames allowance, $500 toward LASIK every 5 yrs.

From $9/mo

Critical illness (cash benefit)

Lump sum direct to you on diagnosis — no claim approval drama.

From $14/mo
Picking your track

Not sure which one fits? Read these three questions.

01

Are you the only person on payroll?

Go Solo Practice. The HSA + Schedule-C deduction combo is almost always cheaper than COBRA-ing yourself off your old firm's plan.

02

Have you hired a paraplanner or CSA?

Growing Firm. The minute someone else is on your W-2, you cross into small-group territory and unlock 2–4 plan tiers per employee.

03

Do you have advisors in 3+ states?

Enterprise. Self-funded or level-funded modeling stops bleeding money once your headcount × state-count crosses ~25.

Stop comparing six tabs in your browser.

Tell us your practice setup, your state, and your two must-haves. We'll come back inside one business day with the two or three carriers that actually fit — and the math behind why.

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