Broker partnership
Become a TMRW partner broker.
Non-exclusive partnership. No platform fee. Real-time commission visibility. Most brokers onboard in 5–10 business days, with carrier appointments processed in parallel.
The short version
The TMRW Benefits broker partnership is a non-exclusive, no-platform-fee arrangement that gives independent insurance brokers access to a turnkey benefits portal at brokerexchanges.com. Brokers retain full ownership of their book, see real-time commission earnings in a dashboard, and can quote year-round across major medical, ancillary, supplemental, and lifestyle products. Most brokers complete onboarding in 5–10 business days, with carrier appointments processed in parallel.
What partnership includes
Six things, one model — no surprises after you sign.
Carrier appointments
Cigna, Blue Cross Blue Shield, plus the ancillary lineup. Brokers without their own appointments can write through TMRW.
brokerexchanges.com access
Your clients' employees enroll year-round through their own personalized portal. Self-service shopping, proper QLE handling.
Broker dashboard
See member activity, product purchases, and commission earnings in real time across every client.
Marketing automation
TMRW runs employee email, SMS, and educational campaigns. You don't build them. Opt-out per client if needed.
Year-round enrollable products
Supplemental, ancillary, and lifestyle products aren't OEP-locked. Quote and enroll twelve months a year.
No platform fee
No SaaS fee, no per-seat fee, no per-employee fee. Pure carrier-commission split economics.
Honest scope
What partnership doesn't include.
Scope-setting up front so nothing is a surprise later.
No exclusivity
Keep writing through your existing GAs and BGAs if you want. TMRW partnership is additive, not replacement.
No book takeover
Your clients are your clients. We don't market to them independently or reassign accounts.
No salary or fee-only
Partnership is commission-based. We don't pay W-2 salaries or fee-only retainers.
No promise of leads
TMRW doesn't generate leads for partner brokers. You bring relationships; we provide infrastructure.
The application process
Five steps from application to first commission.
Apply
Submit name, agency, state licenses, current carrier appointments, and a brief description of your book composition.
Conversation
Walk through the platform, products, commission structure, and onboarding flow with Jesse. Both sides confirm fit.
Carrier paperwork
Sign carrier-specific appointment paperwork. Some carriers issue appointments instantly; others take a few days.
Portal training
Walkthrough of brokerexchanges.com — adding clients, managing enrollments, reading the commission dashboard.
First clients
Bring an existing client or quote a new one. Most brokers see their first commission within 30 days of activation.
Who's a fit
The honest call on whether partnership is right for your book.
✓ Strong fit
- · 1–10 person independent agencies
- · Producers writing primarily individual ACA, small group, or supplemental insurance
- · Brokers feeling churn from ACA-only books
- · Brokers in NY, NJ, CT, PA, MA who want a regional partner with carrier depth
✕ Probably not a fit
- · Captive agents at large firms
- · Producers who don't write health, benefits, or supplemental
- · Anyone expecting platform-as-marketing-engine — we don't generate leads for partners
FAQ
Frequently asked questions
What's the commission split with TMRW?
Commission splits vary by carrier and product type. Major medical typically pays a percentage of premium per the carrier's broker schedule; ancillary, supplemental, and lifestyle products pay flat or percentage commissions. The full commission grid is shared during application — it's tailored to your states and product mix. There is no platform fee taken out of carrier-paid commissions.
Do I keep my book of business?
Yes. Brokers retain full ownership of their client relationships and book. TMRW operates as a platform partner, not a competing producer. We don't market to your clients independently, don't reassign accounts, and don't lock you into exclusivity. You can leave the platform with your book intact.
What carriers do you have appointments with?
Major medical carriers include Cigna and Blue Cross Blue Shield. The ancillary, supplemental, and lifestyle lineup covers dental, vision, group life, STD, LTD, hospital indemnity, critical illness, accident, identity theft, pet insurance, and mental health Teladoc. Specific carrier availability varies by state. Full list confirmed during application.
What's the onboarding timeline?
Most brokers complete onboarding in 5-10 business days. Carrier appointment paperwork takes 3-5 days for some carriers and is instant for others. Portal training is roughly one hour. First commissions visible on the dashboard within 30 days of activation for most partners.
Do you cover health-only or also ancillary?
Both. The platform is built for full-portfolio writing — major medical plus ancillary, supplemental, and lifestyle products. Many brokers join primarily for the year-round ancillary opportunity since OEP-locked major medical alone doesn't solve the structural mid-year revenue problem.
Can I write across multiple states?
Yes, in any state where TMRW has carrier appointments and you hold the necessary state licenses. Some products are nationwide; others are state-restricted. Bring your target states to the application conversation and we'll confirm availability.
Ready to talk?
30 minutes with Jesse. No deck. No pressure.
We walk through the platform, products, commission structure, and onboarding flow. If it's a fit, the application is short. If it's not, we'll say so.