Send us a business. We do the work. You get paid.
You already know owners who quietly dread their health insurance renewal. Introduce them to ClearPlan and you earn for it. If you're not licensed, you get a flat reward for every qualified introduction, paid whether or not they sign. If you are licensed, you share in the commission for as long as we keep the account. Either way, you never sell a thing - and it costs them nothing to find out if we can help.
Licensed or not, you're welcome. Just want to send one name right now? Refer a business in about a minute ›
Two ways to earn
How you're paid depends on one thing: whether you hold an insurance producer license. This isn't red tape - it's the law, and it protects you as much as us. Tell us your status when you sign up and we set you up on the right track automatically.
A flat reward, win or lose
Accountants, payroll providers, attorneys, fractional CFOs, and happy clients earn a flat referral reward for every qualified introduction - paid whether or not the business becomes a client. It scales with the size of the employer you send.
| Business you refer | Reward |
|---|---|
| Under 25 employees | $150 |
| 25 - 75 employees | $300 |
| 76 - 150 employees | $500 |
| 151+ employees | $750 |
Never tied to a sale, so there's no pressure to sell and you never discuss policy details. You just open the door.
A recurring commission share
25% of commission, every year we service the account
Other brokers, P&C and commercial-lines agents, and financial or retirement-plan advisors who don't write group health: share a quarter of the commission we earn, recurring for as long as the account stays with us. It's income on a line you weren't going to write anyway - your client gets a specialist, you keep the relationship.
A straightforward commission-sharing arrangement between licensed professionals, documented in a short partner agreement.
What the licensed track can add up to
The flat reward is real money for almost no effort. But the commission share is where this stops feeling like a referral and starts feeling like a book of business. It renews every year - so a handful of accounts that stick can become steady income you barely touch.
Recurring income, illustrated
Based on a typical 75-employee level-funded group and the 25% partner share, here's what your recurring income looks like as accounts add up:
| Accounts that stick | Recurring income per year |
|---|---|
| 1 group | ~$5,600 |
| 3 groups | ~$17,000 |
| 5 groups | ~$28,000 |
And it renews. Land five good accounts over a couple of years and you're carrying real recurring income on businesses you simply introduced.
Illustrative, not a quote or a track record. Figures assume a 75-employee level-funded group at a $25 per-employee-per-month commission and the 25% partner share, held year over year. Your actual share depends on the group, the carrier, and how long the account stays with us - we'll always show you the real number.
Not licensed yet? In New Jersey it's a pre-licensing course, a state exam, and about $190 in license fees. The state lays out every step - start at the NJ Department of Banking and Insurance › Plenty of our best partners begin on the flat-reward track, see the recurring math, and get their producer license so they can earn the commission share. If you refer regularly, that one step turns this from a nice perk into a real second income.
How it works
What every partner gets
Your own referral link
Share one link. Anyone who visits and becomes a client is credited to you for 90 days - even if they browse today and sign up next month. No form to fill out per referral.
A partner dashboard
See every business you've sent, where each one is in the process, and what you've earned. No guessing, no chasing us for updates.
The right payout, set up for you
Flat reward if you're unlicensed, recurring commission share if you're licensed. We confirm your track the moment you sign up.
Zero work after the intro
You never explain insurance, quote a plan, or follow up. A licensed benefits expert takes every conversation from there.
Who refers business to us
The best referrals come from people who already sit next to the decision but don't sell group health themselves. If that's you - or describes someone in your network - we should talk:
- Property & casualty / commercial insurance agents who write the GL, workers' comp, and property for the same employers but don't touch group health.
- Accountants and CPAs who see the premium line and the renewal increase every year.
- 401(k) and financial advisors serving the same owners and HR contacts.
- Payroll providers and bookkeepers who process benefit deductions and feel the renewal pain in real time.
- Fractional CFOs, fractional HR, and HR consultants who own the benefits decision for their clients.
- Business and corporate attorneys and commercial bankers close to growing companies.
- Associations, chambers, and industry groups looking for a member benefit that earns.
- Current clients who know another owner in the same boat.
Get your referral link in two minutes.
No commitment, no quota. The moment you submit, you get your own link to share - every business that comes through it is credited to you, and you earn on each one. We do all the work after the intro.
You're in - welcome.
Here's your personal referral link. Share it with any business owner, on your site, or in an email - every visit is credited to you for 90 days.
Bookmark your dashboard to track referrals and earnings - it's a private link, no password needed.
Or just send one name
Not ready to sign up? Refer a single business right here and still get paid for the introduction.
Got it - thank you.
Your referral is in. We'll reach out to make the introduction and keep you posted on what happens next. Want to refer someone else? Submit another, or sign up for your own link to track everything in one place.
Common questions
Do I have to sell anything or explain insurance?
No - and you shouldn't. Your only job is the introduction. A licensed benefits expert handles every conversation about plans, coverage, and pricing. If you're not licensed, discussing policy specifics isn't allowed anyway, which is exactly why we keep your role to opening the door.
Do I still get paid if the business doesn't sign up?
If you're not a licensed producer, yes. Your referral reward is paid for a qualified introduction, win or lose - it's never tied to whether they become a client. Licensed producers earn a recurring share of the commission we earn once an account is active.
What's the difference between the flat reward and the commission share?
By law, only licensed insurance producers can be paid based on a sale or share in commission. If you're not licensed, you earn a flat referral reward that is never contingent on the sale. If you are licensed, you can share 25% of the commission we earn on the account, every year we service it. We route you to the right track automatically based on your license status - it keeps the program clean and protects you.
What do I get when I sign up?
Your own referral link, a dashboard to track every business you've sent and what you've earned, and the right payout track set up for you. The link credits you automatically for 90 days, so you get paid even when someone you sent checks us out today and signs up next month.
I'm not licensed. Should I get licensed?
You don't have to - the flat-reward track pays win or lose and never expires. But many of our strongest partners start unlicensed, see the recurring math, and get a producer license so they can earn the 25% commission share that renews every year the account stays with us. In New Jersey it's a pre-licensing course, a state exam, and about $190 in license fees - the NJ Department of Banking and Insurance walks you through every step.
When and how do I get paid?
We pay promptly once a referral qualifies, by your preferred method, and licensed partners keep earning for as long as we service the account. We'll confirm the details when we set up your account.
What area do you cover?
We serve New Jersey employers primarily, with New York, Pennsylvania, and Connecticut nearby. If you're not sure whether a business fits, send it anyway and we'll let you know.
The easiest income in your network.
Sign up free, get your link, and start earning on businesses you were already talking to. A flat reward if you're unlicensed, recurring commission if you are.
Get your referral link