Meet Our Partners
At USI Insurance Services, we’re committed to helping employers like you deliver innovative benefits solutions that protect the health and financial wellbeing of your employees. By partnering with BeneRe, the first and leading supplemental benefits group captive in the industry, we bring you Accident, Critical Illness, and Hospital Indemnity coverages that are redefining the way employers think about supplemental insurance, with better benefits and total transparency.
Why BeneRe?
10%
average costs savings
for employees when accessing supplemental coverage
20%
average year-end dividends
for employers to be reinvested in employee wellness programs
100%
transparency on all transactions
providing employers with clarity on claims and expenses
A-rated Carriers
for top-tier coverage – including Voya©, Allstate©, and Securian Financial
0 risks or hidden costs
BeneRe absorbs all downside risk, and members can exit anytime without penalty
The first and largest captive supplemental benefits model is still the best.
What began as a more efficient approach to providing employees with a financial safety net is now a supplemental benefits solution that is revolutionizing the insurance industry. BeneRe pioneered the first group captive model for supplemental benefits, transforming the industry by reducing costs, enhancing plan designs, ensuring financial transparency, and delivering consistent year-end dividends for reinvestment in employee benefits programs.
Here’s how the group captive benefits your business.
Supplemental health benefits that deliver financial protection and peace of mind.
Through our collaboration with BeneRe, we’re committed to making supplemental coverages more affordable and accessible to everyone. This includes:
Accident
Gives employees added protection that quickly compensates them when they are involved in an accident.
Critical Illness
Protects employees with critical funds they can use to pay expenses not covered by other insurances.
Hospital Indemnity
Provides a way to supplement existing health care coverage that helps to pay hospital stay expenses.
Opportunities for employers to provide the best supplemental insurance options.
Providing top-tier supplemental insurance options allows employers like you to stand out in competitive job markets while ensuring comprehensive coverage for your teams. These strategies can help you attract, retain, and protect your workforce.
Employer-funded supplemental benefits
Gives employees added protection that quickly compensates them when they are involved in an accident.
Midyear rollover
If your company currently offers Accident, Critical Illness, and Hospital Indemnity coverages to your employees, you have the option to convert to the captive outside of the open enrollment period.
Maximizing your dividends
Managing and utilizing your BeneRe distributions effectively can significantly enhance your employee benefits programs and serve as a powerful hiring and retention tool.
Calculate your numbers.
BeneRe supplemental benefit plans offer you clear advantages with better financial protection at a lower cost, and potential year-end distributions to reinvest in your employee benefits programs. Ready to see how these scenarios might add up for you?
Ask these questions before selecting a benefits group captive for your employees.
| QUESTION | BeneRē |
| Year your company was formed? | 2018 (mature, stable, proven, trusted) |
| Number of clients in the captive? | 165+ employers |
| Who are your fronting insurance carriers? | Voya, Allstate, ARAG, Securian |
| What are your average premium savings? | 10% |
| What are your historical dividends? | 18-25% annually since inception |
| How can the dividend be used? | Employer can reinvest in any ERISA benefits |
Additional resources for your supplemental benefits questions.
Explore solutions, strategies, and insights designed to simplify your supplemental benefits decisions and maximize your impact.
Looking for ways to protect your employees?
Interested in ideas for funding strategies, like how to use dividends effectively?
Want to see the financial impact BeneRe can have on your bottom line?
Want to learn more about putting the numbers in your favor?
Need help navigating the complexities of supplemental benefits?
Wondering how BeneRe’s solutions compare to traditional benefits providers?
We’re here to help you with your supplemental benefits strategies.
Mike Rose
Mike Rose is a Partner and the National Supplemental Benefits Practice Leader at USI Insurance Services, where he leads a high-performing team that delivers strategic, data-driven solutions to integrate supplemental benefits into comprehensive employee benefit strategies. With experience serving Fortune 500 clients and a reputation for building strong relationships across carriers, vendors, and producers, Mike brings decades of industry expertise and a collaborative, people-first approach to his work.
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