California Carriers

  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 2-100 Eligible: 5%
  • 5-200 Enrolled (Level Funding): $50 PEPM

Dental

Group Size
  • 2-200 Enrolled: 10%

Vision

Group Size
  • 2-200 Enrolled: 10%
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Accident
  • Critical Illness
Full Carrier Details

Commission Rates

Worksite Voluntary

Group Size
  • 3+ policyholders: Begins at 12% commission and increases with agent involvement and production.
Full Carrier Details
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-50: 10%
  • 51+: 10%

Vision

Group Size
  • 2-50: 10%
  • 51+: 10%
* For groups with 51 or more eligible employees, the standard commission is 10%.
* Brokers may request a different or variable commission when submitting an RFP for a customized quote.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%
  • 20+ (Level Funding): 5% - PCPM
  • 101-500: 4%

Dental

Group Size
  • 2-500: 10%

Vision

Group Size
  • 2-500: 10%
Full Carrier Details
  • Medical: Small Group
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-50: 1st Year 6.5% 2nd Year 6.2% 3rd Year 5.9% 4th Year 5.6% 5th Year 5.3% 6th Year+ 5.0%
  • 51-100: 1st Year and Renewal 5.0%
  • 101+: Negotiable.
* Percentage of total paid premium.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • PEO
Full Carrier Details

Commission Rates

Medical

Group Size
  • 5+: 5% Referral Fee

Workers Comp

Group Size
  • 5+: Up to 13%

Business Management Services

Group Size
  • 5+: Referral Fee
* Contract limits are based on enrolled employees for groups of 5+.
* Available nationwide in all 50 states.
Full Carrier Details
  • Dental
  • Life
  • Vision
  • AD&D
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-50: 10%
  • 51+: 8%

Voluntary Dental

Group Size
  • 5-50: 10%
  • 51+: 8%

Vision

Group Size
  • 5+: 10%

Life

Group Size
  • 2+: 15%
* Dental coverage is offered on a voluntary basis.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%
  • 101-299: Producer Service Fee Model

Dental

Group Size
  • 2-299: 10%

Vision

Group Size
  • 2-299: 10%
* Contract limits are determined by the number of eligible employees in groups with 101 or more employees.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 7%
  • 101+: 5%

Dental

Group Size
  • 2+: 10%
Full Carrier Details
  • Medical: Small Group
  • Dental
  • Life
  • Vision
  • Chiropractic
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%

Dental

Group Size
  • 2-100: 12%

Voluntary Vision

Group Size
  • 2-100: 12%

Voluntary Life

Group Size
  • 2-100: 12%

Chiropractic

Group Size
  • 2-100: 6.5%
Full Carrier Details
  • Medical: Small Group
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1+: Negotiable.
* PEPM commissions are directed by the broker.
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Chiropractic
  • Acupuncture
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-500: 10%

Vision

Group Size
  • 2-500: 10%

Life

Group Size
  • 2-500: 10%

Chiropractic

Group Size
  • 2-500: 10%

Acupuncture

Group Size
  • 2-500: 10%
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
Full Carrier Details

Commission Rates

Medical

Group Size
  • 25-250 (Level Funding): 5%
  • 101-250: 5%

Dental

Group Size
  • 25-250 (Level Funding): 10%
  • 26-250: 10%
* Contract limits are based on eligible employees.
Full Carrier Details
  • Dental
  • Life
  • Disability
  • Accident
  • Critical Illness
and more
Full Carrier Details

Commission Rates

Worksite Voluntary

Group Size
  • 3+: Varies.
* Commission rates vary by product.
Full Carrier Details
  • Dental
  • Life
  • Misc
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-50: 10%
  • 51-100: 7.5%
  • 101+: 3.75%

Life

Group Size
  • 2+: 10%

EDHP Hybrid, RBP, and Buy-up Plans

Group Size
  • 2+: $6 PEPM, in addition to the percentages noted below for both the specific and aggregate premiums: • 8% if spec deductible is $10,000 • 9% if spec deductible is $20,000 • 10% if spec deductible is $30,000 or higher

EDHP MVP Plan

Group Size
  • 2+: $10 PEPM

MEC Plans

Group Size
  • 2+: $5 PEPM
Full Carrier Details
  • Dental
  • Vision
  • Hospital Indemnity
  • Misc
Full Carrier Details

Commission Rates

Staff Benefits Management and Administrators (SBMA) MEC Plans

Group Size
  • 25+: PEPM by tier level: • WellCare: $10/20/20/30 • PrimeCare: $10/20/20/30 • OptimaCare: $15/30/30/45 • EliteCare: $15/30/30/45

Hospital Indemnity

Group Size
  • 10+: • Global Life: 15% • Mutual of Omaha: $5/7 PEPM (High/Low plan commissions)

Dental

Group Size
  • 2+: 10%

Voluntary Dental

Group Size
  • 1+ (excluding Owner): 10%

Vision

Group Size
  • 2+: 10%

Voluntary Vision

Group Size
  • 1+ (excluding Owner): 10%
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Accident
  • Critical Illness
and more
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-100: 10%

Vision

Group Size
  • 2-100: 10%

Life

Group Size
  • 2-100: 15%

Short-Term Disability

Group Size
  • 2-100: 15%

Long-Term Disability

Group Size
  • 2-100: 15%

Accident

Group Size
  • 2-100: 15%

Critical Illness

Group Size
  • 2-100: 15%

Hospital Indemnity

Group Size
  • 2-100: 15%

Cancer

Group Size
  • 2-100: 15%
* Groups with 101 or more lives are available — please contact your Word & Brown representative.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Life
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-500: 5%

Dental

Group Size
  • 2-500: 10%

Vision

Group Size
  • 2-500: 10%

Life

Group Size
  • 2-500: • 0-10,000 = 10% • 10,001 - 20,000 = 8% • 20,001 - 30,000 = 5% • 30,001 - 50,000 = 4% • 50,001 - 150,000 = 2% • 150,001+ = 1%
* Contract limits are determined by the number of eligible employees.
Full Carrier Details
  • Dental
  • Life
  • Vision
  • AD&D
  • Short-term disability (STD)
and more
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2+: • $0 - $10,000 10% • $10,001 - $20,000 7.5% • $20,001 - $30,000 5% • $30,001 - $50,000 2.5% • $50,001+ 1.5%

Vision

Group Size
  • 2+: • $0 - $10,000 10% • $10,001 - $20,000 7.5% • $20,001 - $30,000 5% • $30,001 - $50,000 2.5% • $50,001+ 1.5%

Life

Group Size
  • 1-50: 10%
  • 51+: • $0 - $5,000 15% • $5,001 - $25,000 10% • $25,001 - $50,000 7% • $50,001 - $100,000 3% • $100,001 - $200,000 2% • $200,001+ 1%

Voluntary Life

Group Size
  • 2+: • 15%

Short-Term Disability

Group Size
  • 2-50: 10%
  • 51+: • $0-$5,000 15% • $5,001-$10,000 10% • $10,001-$30,000 5% • $30,001-$80,000 3% • $80,001-$180,000 2% • $180,001+ 1%

Voluntary Short-Term Disability

Group Size
  • 2+: • 15%

Long-Term Disability

Group Size
  • 2-50: • 10%
  • 51+: • $0-$15,000 15% • $15,001-$25,000 10% • $25,001-$50,000 5% • $50,001+ 1%

Voluntary Long-Term Disability

Group Size
  • 2+: • 15%
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5% for annualized premium up to $1,000,000. Once the annualized premium reaches $1,000,000, commissions will be paid at 1%.
  • 101-300: 5%

DPPO

Group Size
  • 1-100: $2.80 PMPM

DHMO

Group Size
  • 1-100: $1.40 PMPM
* Contract limits are based on eligible employees for groups 101+.
Full Carrier Details
  • Chiropractic
  • Acupuncture
Full Carrier Details

Commission Rates

Chiropractic

Group Size
  • 2+: 20% commission on 1st year’s paid premiums; 10% thereafter.

Acupuncture

Group Size
  • 2+: 20% commission on 1st year’s paid premiums; 10% thereafter.
Full Carrier Details
  • Dental
  • Life
  • Vision
  • AD&D
  • Short-term disability (STD)
and more
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2+: • $0-$10,000: 10% • $10,000 - $20,000: 8% • $20,001 - $30,000: 4% • $30,001 - $50,000: 2% • $50,001 -$100,000: 1.5% • $100,001 - $250,000: 0.25% • $250,001 - $500,000: 0.15% • $500,001+: 0.15%

Vision

Group Size
  • 2+: • 10%

Long-Term Disability

Group Size
  • 2+: • $0-$15,000: 15% • $15,001-$25,000: 10% • $25,001-$50,000: 5% • $50,001-$100,000: 1% • $100,001+: 0.5%

Short-Term Disability

Group Size
  • 2+: • $0-$2,000: 15% • $2,001-$5,000: 12% • $5,001-$10,000: 11% • $10,001-$15,000: 8% • $15,001-$20,000: 7% • $20,001-$25,000: 6% • $25,001-$30,000: 5% • $30,001-$50,000: 2% • $50,001-$100,000: 1.5% • $100,001-$150,000: 1% • $150,001-$500,000: 0.75% • $500,001+: 0.50%

Life

Group Size
  • 2+: • $0-$2,000: 15% • $2,001-$5,000: 12% • $5,001-$10,000: 11% • $10,001-$15,000: 8% • $15,001-$20,000: 7% • $20,001-$25,000: 6% • $25,001-$30,000: 5% • $30,001-$50,000: 2% • $50,001-$100,000: 1.5% • $100,001-$150,000 1% • $150,001-$500,000 0.75% • $500,001+ 0.50%
* Contract limits based on enrolled.
* Worksite Voluntary available 25+ enrolled.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 7%
  • 101+: 5%

Dental

Group Size
  • 1-100: 10%
  • 101+: 10%

Vision

Group Size
  • 1+: 10%
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Disability
  • Short-term disability (STD)
and more
Full Carrier Details

Commission Rates

DPPO

Group Size
  • 2-100: • $0-$5,000 10% • $5,001-$10,000 7.5% • $10,001-$30,000 5% • $30,001-$40,000 3.5% • $40,001-$50,000 3% • $50,001-$60,000 2% • $60,001-$250,000 1.75% • $250,001-$500,000 1% • $500,001-$1,000,000 0.5% • $1,000,001-$5,000,000 0.25% • $5,000,001+ 0.1%
  • * 101+: 10% Graded

DHMO

Group Size
  • 5-100: 10%
  • * 101-499: 10% Level

Vision

Group Size
  • 5-100: 10%

Life

Group Size
  • 2-100: First $5,000 15% then Graded
  • *10+: 15% Graded

Short-Term Disability

Group Size
  • 2-100: • $0-$5,000 15% • $5,001-$10,000 10% • $10,001-$30,000 5% • $30,001-$40,000 3.5% • $40,001-$50,000 3% • $50,001-$60,000 2% • $60,001-$250,000 1.75% • $250,001-$500,000 1% • $500,001-$1,000,000 0.5% • $1,000,001-$5,000,000 0.25% • $5,000,001+ 0.1%

Long-Term Disability

Group Size
  • 5-100: • $0 - $15,000 15% • $15,001 - $25,000 10% • $25,001 - $50,000 5% • $50,001 - $250,000 2% • $250,001+ 1%

Disability

Group Size
  • * 10+: Varies.

Worksite Voluntary

Group Size
  • * 200+: Varies. 10+ commissions are flexible.
* * Commissions are paid based on the group’s actual enrollment.
* All products are available on a voluntary basis.
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Accident
  • Critical Illness
and more
Full Carrier Details

Commission Rates

DPPO

Group Size
  • 2+: 10% Graded

Dental (EPO)

Group Size
  • 2+: 10% Graded

Vision

Group Size
  • 2+: 10%

Life

Group Size
  • 2+: 10%

Long-Term Disability

Group Size
  • 2+: 10%

Short-Term Disability

Group Size
  • 2+: 10%

Accident

Group Size
  • 2+: 10%

Critical Illness

Group Size
  • 2+: 10%

Hospital Indemnity

Group Size
  • 2+: 10%

Worksite Voluntary

Group Size
  • 2+: 10%
* Contract limits are determined by eligible employees.
* All products are available on a voluntary basis at 15%.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Life
  • Vision
and more
Full Carrier Details

Commission Rates

Medical

Group Size
  • 101+: 5%

LYNX and Rotational Staff Trust

Group Size
  • 2-100: 10% commission, first year only • $0-$250,000 7% • $250,001-$500,00 5.5% • $500,001+ 3%

LYNX and Affiliated Trust

Group Size
  • 2-100: • $0-$250,000 7% • $250,001-$500,00 5.5% • $500,001+ 3%

Dental

Group Size
  • 2-49: 10%
  • 50+: • $0-$10,000 10% • $10,001-$20,000 7.5% • $20,001-$50,000 5% • $50,001-$100,000 2.5% • $100,000+ 1%

Vision

Group Size
  • 2-49: 10%
  • 50+: • $0-$10,000 10% • $10,001-$20,000 7.5% • $20,001-$50,000 5% • $50,001-$100,000 2.5% • $100,000+ 1%

Life

Group Size
  • 2-49: 15%
  • 50+: • $0-$10,000 15% • $10,001-$20,000 10% • $20,001-$50,000 7.5% • $50,001-$100,000 5% • $100,000+ 2.5%

Short-Term Disability

Group Size
  • 2-49: 15%
  • 50+: • $0-$10,000 10% • $10,001-$20,000 7.5% • $20,001-$50,000 5% • $50,001-$100,000 2.5% • $100,000+ 1%

Long-Term Disability

Group Size
  • 2-49: 15%
  • 50+: • $0-$15,000 15% • $15,001-$25,000 12.5% • $25,001-$100,000 10% • $100,000+ 5%
Full Carrier Details
  • Dental
  • Life
  • Vision
  • Accident
  • Critical Illness
and more
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-999: $0-$5,000 10%
  • Voluntary: 5+: • $5,001-$10,000 8% • $10,001-$25,000 6% • $25,001-$50,000 4% • $50,001-$150,000 3% • $150,001-$500,000 2.5% • $500,001+ 1.6% Commissions payable at a flat percentage.

Vision

Group Size
  • 2+: $0-$5,000 10%
  • Voluntary: 5+: • $5,001-$10,000 8% • $10,001-$25,000 6% • $25,001-$50,000 4% • $50,001-$150,000 3% • $150,001-$500,000 2.5% • $500,001+ 1.6% Commissions payable at a flat percentage.

Life

Group Size
  • 2+: $0-$5,000 10%
  • Voluntary: 5+: • $5,001-$10,000 8% • $10,001-$25,000 6% • $25,001-$50,000 4% • $50,001-$150,000 3% • $150,001-$500,000 2.5% • $500,001+ 1.6% Commissions payable at a flat percentage.

Short-Term Disability

Group Size
  • 2+: $0-$5,000 10%
  • Voluntary: 5+: • $5,001-$10,000 8% • $10,001-$25,000 6% • $25,001-$50,000 4% • $50,001-$150,000 3% • $150,001-$500,000 2.5% • $500,001+ 1.6% Commissions payable at a flat percentage.

Long-Term Disability

Group Size
  • 2+: $0-$15,000 15%
  • Voluntary: 5+: • $15,001-$25,000 10% • $25,001-$50,000 5% • $50,001-$100,000 2% • $100,001-$200,000 1% • $200,001-$500,000 0.6% • $500,001-$1,000,000 0.3% • $1,000,000+ 0.1% Commissions payable at a flat percentage.

* Accident

Group Size
  • 2+: • Year 1: 65% • Year 2+: 5%

* Critical Illness

Group Size
  • 2+: • Year 1: 65% • Year 2+: 5%
* * Available on a voluntary basis for groups with 5+ employees.
Full Carrier Details
  • Dental
  • Accident
  • Critical Illness
  • Short-term disability (STD)
  • Long-term disability (LTD)
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-19: 10%

Short-Term Disability

Group Size
  • 2-19: 10%

Long-Term Disability

Group Size
  • 2-19: 15% 1st year; 10% renewal

Life

Group Size
  • 2-19: 15% 1st year; 10% renewal

Accident

Group Size
  • 2-19: 15% 1st year; 10% renewal

Critical Illness

Group Size
  • 2-19: 15% 1st year; 10% renewal
Full Carrier Details
  • Medical: Small Group
  • Dental
  • Vision
  • Misc
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1+: 8%

Part D (Rx)

Group Size
  • 1+: 5%

Dental

Group Size
  • 1-100: 10%

Vision

Group Size
  • 1-100: 10%
Full Carrier Details
  • Medical: Small Group
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%
  • 1-100: Mirrored Plans: • 1st year – 6.5% of paid premium • 2nd year – 6.2% of paid premium • 3rd year – 5.9% of paid premium • 4th year – 5.6% of paid premium • 5th year – 5.3% of paid premium • 6+ years – 5% of paid premium
Full Carrier Details
  • EAP
Full Carrier Details

Commission Rates

EAP and Crisis Services

Group Size
  • 10+: Commissions are directed by the broker.
Full Carrier Details
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2+: 10%

Vision

Group Size
  • 2+: 10%
* Commission is negotiable.
Full Carrier Details
  • Medical: Small Group
  • Medical: Large Group
  • Dental
  • Life
  • Vision
and more
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%
  • 101-300 (Level Funding): $55 PEPM

Dental

Group Size
  • 2-50: 10%
  • 51-100: Commission can vary at the request of the agent or customer.

Vision

Group Size
  • 2-100: 10%

Life

Group Size
  • 2-100: 10%

Short-Term Disability

Group Size
  • 2-100: • $0 - $15,000: 15% • $15,001 - $25,000: 10% • $25,001 - $50,000: 5% • $50,001+: 1%

Long-Term Disability

Group Size
  • 2-100: • $0 - $15,000: 15% • $15,001 - $25,000: 10% • $25,001 - $50,000: 5% • $50,001+: 1%
* For groups with 101–300 employees, please contact your Word & Brown representative.
* Contract limits are based on the number of eligible employees for groups of 101 or more.
Full Carrier Details
  • Medical: Small Group
  • Dental
  • Vision
Full Carrier Details

Commission Rates

Medical

Group Size
  • 2-50: 5%
  • 51+: % of paid premium or PEPM Structure.

Dental

Group Size
  • 2-50: 10%
  • 51-100: Commission can vary at the request of the agent or customer.

Vision

Group Size
  • 2-50: 10%
  • 51-100: Commission can vary at the request of the agent or customer.
* For groups with 101–300 employees, please contact your Word & Brown representative.
* Contract limits are based on the number of eligible employees for groups of 51 or more.
Full Carrier Details
  • Dental
  • Vision
  • Accident
  • Critical Illness
  • AD&D
and more
Full Carrier Details

Commission Rates

Dental

Group Size
  • 2-500: 10%

Vision

Group Size
  • 2-500: 12%

Life

Group Size
  • 2-500: • $0-$15,000 10% • $15,001-$25,000 7% • $25,001-$50,000 5% • $50,001-$100,000 1% • $100,001+ 0.5%

Voluntary Life

Group Size
  • 10-500: 15%

Long-Term Disability

Group Size
  • 2-500: • $0-$15,000 15% • $15,001-$25,000 10% • $25,001-$50,000 5% • $50,001+ 1%

Voluntary Long-Term Disability

Group Size
  • 10-500: 15%

Short-Term Disability

Group Size
  • 10-500: • $0-$15,000 10% • $15,001-$25,000 7% • $25,001-$50,000 5% • $50,001-$100,000 1% • $100,001+ 0.5%

Voluntary Short-Term Disability

Group Size
  • 10-500: 15%

Worksite Voluntary

Group Size
  • 5-500: 15%
Full Carrier Details
  • Vision
Full Carrier Details

Commission Rates

Employer Paid Vision

Group Size
  • 5-999: 10% Graded

Voluntary Vision

Group Size
  • 10-999: 10% Graded
* Under 100 lives = 10% sliding.
* Above 100 lives, custom per RFP request.
* Available nationwide for both employer‑sponsored and voluntary plans.
Full Carrier Details
  • Medical: Small Group
  • Dental
Full Carrier Details

Commission Rates

Medical

Group Size
  • 1-100: 5%

Dental

Group Size
  • 1-100: 5%
Full Carrier Details