Ancillary Can Help You Meet the Needs of More Large Group Clients


As employers consider changes to their benefits programs in response to changing employee attitudes, Ancillary benefits are becoming increasingly important. According to an analysis by Expert Market Research, the outlook for the Ancillary Insurance market is good – with a projected compound annual growth rate of 9.2% between 2022 and 2027.
Perhaps more important, last year’s MetLife Annual Employee Benefits Trends Study revealed more than half (57%) of employees want benefits not currently being offered by their employers.
Workhuman’s 2021 survey of business owners and benefits managers found that nearly two-thirds of employees (63%) would quit if another employer offered them better benefits, even if it offered less or equal pay.
Employee loyalty is on the decline. In 2018, 80% of employees told MetLife they intended to be with their current organization in 12 months. However, four years later, that number was down 10% -- with 70% saying they plan to be with the current employer in one year.
Ancillary insurance lets your group clients expand their benefits offering without increasing their costs. That’s because Ancillary benefits – Dental, Vision, and Supplemental Health (like Accident, Critical Illness, Hospital Indemnity, and Disability Insurance) – can be employer-sponsored or voluntary. When it’s voluntary, employees pay the full cost.
The Carriers Your Clients Want
Word & Brown partners with more than 30 Ancillary benefits carriers and administrators offering Large Group coverage in California and Nevada.
Ancillary Carrier and Administrator Partners
Carrier and Products Available in California Available in Nevada
Aetna (Dental, Vision) 
Ameritas (Dental, Vision)
Anthem Blue Cross (Dental, Vision, Life, Disability)
Anthem Blue Cross Blue Shield (Dental, Vision, Life, Disability)
BEST Life (Dental, Vision, Life, AD&D)
Blue Shield of California (Dental, Vision, Life)
CalCPA (Delta Dental, VSP Vision)
California Dental Network (Dental)
Camden (Vision)
Camden-Avesis (Vision)
ChoiceBuilder (Dental, Vision)
Cigna (Dental, Vision, Life, Disability)
Colonial Life (Dental, Life, Disability, Critical Illness, Cancer, Hospital Confinement Indemnity)
Companion Life (Dental, Vision, Life, AD&D)
EDIS (Dental, Life)
Guardian (Dental, Vision, Life, Disability, Accident, Critical Illness, Hospital Indemnity, Cancer)
Health Net (Dental, Vision, Life)
Humana (Dental, Vision, Life, A&D)
Landmark Healthplan (Chiropractic)
LIBERTY Dental (Dental)
Lincoln Financial (Dental, Vision, Life, AD&D, Disability)
MediExcel Health Plan (Dental)
MetLife (Dental, Vision, Life, AD&D, Disability)
Nippon Life Benefits (Dental, Vision, Life, AD&D, Disability)
Premier Access (Dental)
Principal (Dental, Vision, Life, Disability)
Reliance Standard (Dental, Life, Disability)
SecureCare (Dental, Vision, Life, Disability)
SmileSaver (Dental)
United Concordia (Dental)
UnitedHealthcare (Dental, Vision, Life, Disability)
Unum (Dental, Vision, Life, AD&D, Disability, Accident, Critical Illness, Hospital Indemnity)
Vision Plan of America (Vision)
VSP (Vision)
Western Health Advantage (Dental, Vision)
We also offer a roster of voluntary creative solutions from Aflac.
Eighty percent of employers say that meeting the needs of employees across all life stages and the diversity spectrum is an important objective. We can help you help your clients get there.
Getting Started Is Easy
Our Large Group Team is staffed by market professionals committed to delivering answers to all of your and your clients’ questions.
Start to finish – quote to renewal and everything in between – we’re here with a roster of tools and services, including:
  • Discovery Calls with prospects and clients
  • Complete and accurate RFP submissions
  • Market strategy development
  • Complete carrier analysis
  • Plan comparisons and selection assistance
  • Customized presentations
  • Enrollment technology
  • Quote review and rate negotiation with carriers
  • Group implementation
  • Value-added perks clients will appreciate 
LIMRA, the research, consulting, and trade association, reported in 2022 that four in 10 mid-sized and large private employers are very interested in offering new insurance benefits within the next two years. Don’t risk losing business to another broker. Answer the employers’ call with Ancillary.
Visit our Large Group web page to download our Request For Proposal or access other vital resources, including a list of Value-Added Services for Large Groups. For commission information, click on your state-specific summary below. Count on Word & Brown to help you write more – and earn more – in the Large Group market! Contact your rep today to get started.

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