Free CRM — no platform fee.
Every lead, every client, every note in one place. Nothing to buy and no monthly platform fee — comparable stacks run $300–$500 a month.
Add health. Get paid every year
For licensed life, final expense and mortgage protection agents. The prospect is already shopping, your skills transfer, and you keep writing life alongside it.
- Free CRM, dialer and AI — no platform fee
- Appointed in about 2 days
$60M+
AP Written · Last 3 Years
100%
Vested · From Day 1
47
States Contracted
12+
Top-Tier Carriers
For the producer
Everything you need to write health
Included with your contract
Every tool below is free to agents licensed with BeneHub.
There's no platform fee, no per-seat cost and nothing to install. Get contracted, log in and start writing. You only pay for a lead when you want one.
Exclusive leads — $29.
Text-verified U65 leads sold to one agent. You. Buy them when you want them, stop when you don't.
Power dialer built in.
Buy a lead and dial it in the same screen. No exporting, no separate dialer, no tab-switching.
Conversational AI.
Texts every lead back in seconds, answers the first questions, and hands you a warm one while you're on another call.
Training that assumes zero.
The complete U65 track — products, plan selection, objections, bundling, and roleplay before you ever talk to a real client.
Rooms, Chat and Leaderboard.
Dial alongside other producers with a top producer in your ear, company-wide messaging when you're stuck on a case at 7pm, and a live leaderboard that moves the moment a policy is submitted.
Producer income
Run your numbers
$500$1,500$5,000
Exclusive text-verified U65 leads in the Den run $29. Your own organic traffic changes this number — slide it to match how you'll work.
$10$20$50
Typical all-in cost per lead for our agents.
15%30%50%
BeneHub agents typically hit 30% with the AI handling first contact and follow-up calls.
20%50%70%
BeneHub default: 50%. Top producers run 55–65%.
$3,600$7,200$14,000
$7,200 reflects bundled health + supplemental (dental, vision, hospital indemnity, etc.).
Monthly leads75
Monthly appointments23
Monthly applications11
Annual AP written$972,000
Gross commission (Y1 @ 25%)$243,000
Annual lead budget− $18,000
CRM, dialer & AI — $0$300–$500/mo elsewhere
Net Year 1 Income$225,000*
* See income disclosures in footer.
For the team builder
Your override renews
If you've built a team before, you know how it ends in life insurance. Your agents write a case, you earn on it once, and next month everybody starts over. You're running a bigger version of the same treadmill.
Health overrides work the way the writing agent's commission does. You earn on your team's first-year production, and you keep earning on their renewals for as long as those clients stay on the books. Build ten producing agents and by year three you're paid on three years of their business — not last month's.
Agency Override Calculator
Building a team? On top of your own production above, you earn an override on each agent's first-year AP and a smaller override on their renewals. Carrier override levels often step in 2% increments based on your tier and production — dial the sliders to match yours.
1525
Most of our team-builders start with 3–5 agents.
$200,000$600,000$1,200,000
$600K is conservative — top BeneHub producers run $900K–$1.2M+.
1%5%15%
Standard BeneHub Y1 override starts at 5%. Top-tier producers can earn up to 10%+.
0%2%8%
Standard renewal override is 2%. Carrier levels often step in 2% increments.
Team annual production$3,000,000
Override @ 5% on new AP$150,000
Year 1 Override Income$150,000*
* See income disclosures in footer.
Nathan Schmidt
President, BeneHub
Why I built BeneHub
From mortgage protection to U65 health
Hi, I'm Nathan Schmidt, President of BeneHub. I spent over 20 years selling mortgage protection and term life. I loved the work and the money, but renewals were almost non-existent — every January I started from scratch.
It happened by accident. I was looking for affordable health coverage for my own family, found the U65 private market, and realized two things at once: families were dramatically overpaying, and the renewal compounding on this product is a real path to recurring income.
BeneHub is the model I've wanted to build for twenty years. The math finally works: own your leads, keep your renewals, build your own agency on top. I built it because two decades on the upline side taught me exactly what was missing — and nobody else was going to put it together.
Before BeneHub I built a private health operation past $50 million in sales in just over a year. The training in the Den is that playbook, improved.
— Nathan Schmidt, President
Carriers
Top-tier carriers. Direct contracts
We're appointed with the carriers your clients already trust.
ManhattanLife
Ameritas
UnitedHealthcare
FAQ
Questions, answered
Contracting is free. The Den — CRM, power dialer, conversational AI, training, dial rooms — is free. The only thing you ever pay for is leads, and only if you choose to buy them. Exclusive text-verified U65 leads are $29. There are no platform fees, no per-lead markups and no hidden tiers.
No. Most of our agents still write life. Health is the same license and often the same client — you're adding a product, not changing careers.
Ready to see it from the inside?
Producers who made the switch
Lee Hudgens
Statesboro, GA · Agency Owner
"Sold mortgage protection and term life with Nathan for years before BeneHub. Loved the work, hated starting over every January. When he showed me the U65 model — recurring renewals, ownership of the book, agency override on top — I came with him. Still building."
Switched with Nathan from term life · agency owner
Taylor Radford
Glennville, GA · Sales Agent
"I started with Nathan at Benzy three years ago and followed him to BeneHub. The AI follow-up keeps my calendar full, and my renewal book grows every year. That's what keeps me here."
3 years with Nathan · renewal book growing
Brittney Harris
Greenville, NC · Sales Trainer
"I spent years training agents at a major health insurance carrier — coaching is the work I love. At BeneHub I get to do that inside a system I trust, and build my own team on top of it. That's why I came."
Building her own team inside BeneHub