How Insurance Brokers Generate Six Figures in Yearly Residual Income With SIMERP Partnerships
We pay you monthly commissions. No paperwork. Residual, for as long as your clients stay.
Who You’re Partnering With
SIMERP Revenue is Brent Huling. Brent spent 15 years running a PEO and a tech recruiting firm, and he built — and later sold — a company with a $15M payroll and 150 employees. He has sat at your side of the desk, and he knows what a broker’s book is actually worth.
Here is the part most brokers miss: the money is already sitting in front of you. You have the network, the clients, and the trust. Brent’s job is to teach you the program step by step — his service, his education, and the documented program are what your clients are buying into.
The offer, in one line: you introduce employer clients with 10+ full-time W-2 employees, the back-end team does the work, and you are paid ~$15 per enrolled employee per month — residual, for as long as the client stays.
The Renewal Problem Your Clients Are Living
Employer health costs rose a median 10% in 2026 and are projected up another 9.2% in 2027, with prescription drugs up 12%. Every renewal meeting you walk into this year starts with an increase your client didn’t cause and can’t absorb.
The broker who only brings the increase is a vendor. The broker who brings an offset owns the relationship. And fewer than 5% of eligible companies use a Section 125 offset like SIMERP — your clients are almost certainly in the other 95%, paying a tax this program was built to reduce.
Layers On Top. Replaces Nothing.
This is the part that protects your book: SIMERP layers on top of the health plan you placed. The plan doesn’t change. The carrier doesn’t change. Your position as the broker of record doesn’t change.
What changes is the employer’s payroll-tax line. Roughly $640 per eligible employee per year comes back to the employer, employees see $100–$300 more per month in take-home pay (varies by salary), and the program is funded by the savings it creates — zero net cost to the client, zero threat to the business you already wrote.
You Don’t Need a Single New Client
Here’s what makes this different from every other revenue opportunity: you don’t need a single new client. You’ve already spent years earning your clients’ trust. You already have the relationships, the renewals, the book of business.
One conversation per client is the whole ask. A 100-employee client is $1,500 a month. A 500-employee client is $7,500 a month. Ten average clients is roughly $180,000 a year in residual income — from the book you already built.
Your Job: Introducer and Tour Guide
The role is deliberately small — six steps, and the first two are the only ones that are really yours. You stay their trusted advisor throughout, and your book stays yours.
- 1Spot the fit. Any client with 10+ full-time W-2 employees is a candidate. You already know who they are.
- 2Make the introduction. A warm handoff — an email, a call, a meeting invite. That is the job.
- 3Sit in if you want. Join the 15-minute intro call, or let the back end run it. Your call, every time.
- 4Stay their trusted advisor. You remain the relationship. The program runs behind you, never instead of you.
- 5The back end takes it from there. Presentation, documentation, enrollment, administration — handled, start to finish.
- 6Get paid every month. $15 per enrolled employee, tracked in a commission back office you can check any time.
What the Back End Handles (So You Don’t Have To)
The documentation and program detail exist, and they’re thorough — they live on the client call, where they belong. Your desk stays clear.
Professional sales presentations
Plug-and-play decks, and a presenter if you want one
Section 125 documentation & paperwork
Plan documents and program paperwork, handled
Employee enrollment
The back end onboards employees, not you
Ongoing administration
Handled after the sale, month after month
Commission back office
Track every enrolled life and every payment
Client support
Questions come to the back end, not your desk
Your job: make the introduction. The back end does the rest.
Run Your Own Numbers
Your money is sitting right in front of you — in the book you’ve already built. You have the network, the clients, and the trust. Put in your numbers:
Your add-on revenue, at your numbers:
$63,000 / year
$5,250 per month, residual — 350 enrolled lives at ~$15 per life per month.
The client impact you deliver:
$224,000 a year in employer payroll-tax savings created, and 350 employees getting raises and no-copay care. That is what makes you the hero of the relationship — and the broker they don’t leave.
Estimates from your inputs, at steady state. Every enrolled life pays ~$15 a month for as long as the client stays on the program; each client’s exact figures come from its own payroll.
Apply to Become a Partner
Broker FAQ
Who pays me?
The program pays you directly, every month, for as long as your client stays on the program. Your clients pay nothing.
Does SIMERP replace or compete with the health plans I placed?
No. SIMERP layers on top of the client’s existing health plan — nothing is replaced, nothing is taken away from employees, and your placements stay exactly as you wrote them. It is funded by the payroll tax savings it creates, which is why it runs at zero net cost to the client.
What’s the minimum client size?
10+ full-time W-2 employees (30+ hours per week). Employees on a spouse’s plan still count toward eligibility — it runs on full-time headcount, not health-plan enrollment.
How long until commissions start?
Commissions start once a client is enrolled and the program is live, and they’re paid monthly from there. The employer savings analysis comes back within 72 hours, and most partners close in one to two meetings.
Do I need new clients to make this work?
No. Your existing clients are the opportunity — you’ve already earned their trust. One conversation per client adds ~$15 per employee per month in residual income to the book of business you already built. The back end handles enrollment, documentation, and support.
Why is now the right time to bring this to my clients?
Employer health costs rose a median 10% in 2026 and are projected up another 9.2% in 2027, with prescription drugs up 12%. Every business client you serve is feeling renewal pain right now — and fewer than 5% of eligible companies use a Section 125 offset. The advisor who brings the solution owns the relationship.
This Isn’t for Everyone
Brent takes on a limited number of partners — 50 at most — and chooses them carefully. Partners get full training, every sales tool they need, and his support on their calls. What he can’t teach is follow-through. If you have the clients and you’ll actually work them, apply. He reviews every application personally, and if there’s a fit, you’ll hear back within one business day.