Why a Proposal May Show Few or No Plans

There are many reasons why you may see few or no plans listed in a proposal. Some of these include:

User’s state/carrier permissions

Benefitter filters plans to those the proposal’s presenter has permission to sell. When your GA creates a user account, they indicate that the user is appointed with certain carriers in certain states. You can view this list in the user profile. Check that the presenter’s profile gives them permission adequate permissions for the proposal and contact your GA if you find errors in your state/carrier permissions.

Employer contribution level 

When viewing dental and vision plans, you will only see those plans that are available at the chosen employer contribution level. For example, a carrier might require an employer contribution level of at least 50% for its contributory plans, so you would see only voluntary plans if the employer contribution level were set to <50%.

Client’s geographical location

The insurance companies you have permission to quote in Benefitter may not offer plans in the client’s zip code.

Client’s SIC code

Some insurance companies limit availability of their products to companies in certain industries. This is most common with supplemental (dental, vision, life) products.

Proposal effective date

Benefitter may not yet include data from local insurance companies for the proposal’s effective date. Data is generally released one quarter at a time. We endeavor to release data from all insurance companies at the same time, but this is not always possible.

Group size

Many insurance companies require a minimum group size, often 2-5 employees. Only plans for which your client meets the minimum number of eligible employees will be shown.

Next: Designate a Presenter on a Proposal