Embedded Life & Disability Insurance — Under Your Brand

A seamless, white-labeled digital experience employees trust.

Individual CoverageNo HR AdminNo Employer Lock-in
See How It Works

Why Benefits Brokers Partner with Eleos

Embedded & White-Labeled

A fully digital experience under your brand. Clients see your logo, your colors — we stay invisible while you stay top-of-mind.

Own the Employee Relationship

Individual policies mean employees come to you — not HR — for their coverage. Build lasting relationships that survive job changes.

Higher Commissions, Zero Admin

Individual policies pay significantly more than group. We handle applications, underwriting, and claims — you collect the commission.

Individual Policies That Outperform Group Plans

Help employees get the coverage they deserve — with benefits group plans simply can't offer.

Term Life Insurance

Portable coverage employees own forever. No re-qualifying when they change jobs, no employer dependencies.

  • Portable — moves with the employee
  • Coverage amounts up to $10M+
  • Instant issue options available
  • Guaranteed level premiums

Whole Life Insurance

Permanent protection with guaranteed cash value. A wealth-building benefit employees control completely.

  • Lifetime coverage guarantee
  • Cash value accumulation
  • Fixed premiums that never increase
  • Tax-advantaged growth

Disability Insurance

True own-occupation coverage with tax-free benefits. The protection high-earners actually need.

  • Own-occupation definition
  • 100% tax-free benefits
  • Non-cancelable guarantee
  • Stack on top of group plans
Included Free

Free Perks That Keep You Top-of-Mind

Every policy includes wellness benefits employees can use immediately — building loyalty to you, not their employer.

Virtual Primary Care

24/7 access to licensed doctors via video or phone. Prescriptions, diagnoses, and medical advice from home.

Mental Health Support

Confidential counseling and therapy sessions. Support for stress, anxiety, and life challenges.

Online Physiotherapy

Virtual physical therapy sessions with certified therapists. Personalized exercise plans for recovery.

No additional cost For policyholders & family

Launching February 2026

Why Individual Beats Group

The advantages your clients' employees actually care about

  • Tax-Free Disability Benefits

    Individual policies paid with after-tax dollars mean 100% tax-free benefits. Group plan benefits? Taxable income. Massive difference when they need it.

  • True Portability

    Group coverage dies when they leave. Individual policies go with them — no re-qualifying, no new medical exams, same rates forever.

  • Own-Occupation Protection

    Individual disability covers their specific job. Group plans often force them to take any job after 24 months. Professionals need real protection.

  • Zero HR Burden

    No payroll deductions to set up. Policies bill directly to employees. You deliver a valuable benefit without adding to HR's to-do list.

Launch in Days, Not Months

A turnkey solution that works alongside your existing benefits practice

1

Quick Partnership Setup

Simple agreement, no hidden fees. We're aligned with your success.

2

Brand Your Experience

Share your logo and colors. We build your white-labeled enrollment journey.

3

Embed Anywhere

Add to your benefits presentations, client portals, or share direct links.

4

Employees Enroll Digitally

Clean, guided experience. We handle underwriting and policy delivery.

5

Earn & Grow

Track enrollments and commissions. Build direct employee relationships.

Most partners go live within 48 hours

Ready to Offer Individual Coverage?

See how Eleos helps benefits brokers deliver superior protection with less work.

Frequently Asked Questions

Why would employees want individual over group?

Coverage tailored to their specific needs, and true portability — the policy stays with them when they change jobs.

What products can I offer?

Term Life, Whole Life, and Disability Insurance — all from A-rated carriers. Individual policies with superior terms to group alternatives.

How do commissions compare to group?

Significantly higher. Group pays a small flat percentage. With us you can earn up to 40% of first-year commission without any overhead, and a small % from year 2 onwards.

How quickly can I get started?

Most brokers launch within 48 hours. Sign our agreement, share your branding, and we'll have your white-labeled experience ready.

Better Coverage. Higher Commissions. Lasting Relationships.

Join benefits brokers who are building direct employee relationships through individual life and disability coverage.

Get Started