Better Benefits: Zero-Cost Employee Benefits & $600+ Savings Per Employee

This program is made possible through a federally approved Section 125 Cafeteria Plan structure. Instead of coming out of your company’s budget, the savings come directly from payroll tax reductions (over $600 per employee annually on average). A portion of those savings funds the benefits—so employees get guaranteed life insurance, telehealth, and mental health support at zero net cost to the company or staff.

Every participating employee receives guaranteed-issue permanent life insurance (no medical exam required), telehealth access, and mental health counseling. Many plans also include wellness coaching and financial literacy support. These are high-value benefits that improve wellbeing, loyalty, and retention.

No—it complements them. This is not a replacement for your existing health insurance or retirement benefits. Instead, it adds guaranteed life insurance, mental health support, and telehealth access at no additional cost. Your employees gain more coverage and services, while your organization reduces expenses.

That’s no problem. Participation is voluntary. Any employees who don’t want to take advantage of the benefits can opt out. The plan still unlocks the payroll tax savings for your company, and those who do opt in receive permanent, portable benefits they can keep even if they change jobs.

Yes—if your organization has 15 or more full-time W2 employees (working 30+ hours per week), you likely qualify. The program works across industries including healthcare, education, manufacturing, professional services, and more.

Not at all. Implementation is simple and streamlined. Our team handles the heavy lifting, from plan setup to employee education. Most organizations are fully set up in a matter of weeks, with little to no ongoing administrative burden on HR or payroll.

Your organization saves $600+ per employee, per year in payroll taxes while offering employees meaningful new benefits at no cost to you. That means immediate savings to your bottom line, improved employee retention, and a stronger recruiting advantage. Plus, healthier and more financially secure employees are more productive, engaged, and loyal — leading to reduced turnover and long-term cost savings.

Nope- there isn’t one. This isn’t a promotional gimmick or temporary subsidy. The savings are built into the tax code through Section 125 Cafeteria Plans and have been in place for decades. Employers save money on payroll taxes, employees get meaningful new benefits, and the program is fully compliant and easy to administer.