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Q4 is here! Check out our underwriting highlights, carrier resources, and other assets designed to help you during this peak season!

Countdown to Q4

Underwriting Highlights

Promotions and updates from our carrier partners. Check back often for the latest information.

We have some quick reminders to share on those tricky groups.

Last updated: August 11, 2020

Looking to write a Start-Up Group?: Top 2 carriers

Anthem Blue Cross

Signed and completed Conditions of Enrollment Form required

Business documentation is required

Payroll is not required at time of submission; the first 30 days of payroll is due within 45 days of the effective date

An existing group that has just hired its first W-2 employee qualifies as a Start-Up Group, including Sole Proprietors and Partnerships

Blue Shield of California

Blue Shield will consider Start-Up Groups that have been in business and have employed at least one eligible common-law employee for less than six weeks

A signed and completed Start-Up Companies/Spin-Off Group Eligibility Statement will be required

W-4 forms for all W-2 employees are required

Filed owner documentation linking owner to business

Need low participation?

Anthem Blue Cross

5+ enrolled employees: 25% participation through 12/15/2020 effective dates

Individual coverage is a valid waiver

Blue Shield of California

25% participation for off-exchange plans available to group of 5+ enrolling through the end of 2020

0% participation for groups selecting Trio only

Individual coverage is a valid waiver

Are W-2s required to enroll?

Yes, for the following carriers:



-UnitedHealthcare (unless it’s an all owner group)

And last but not least – always check the business portal before quoting a group

CA Business Portal:

Check for Corporations, LLCs, and Limited Partnerships

Check when writing Aetna, Anthem Blue Cross, Blue Shield of California and Kaiser Permanente

-If the group is not active and in good standing with the state, these carriers will not write the case (includes Ancillary only for Blue Shield).

-Use this website to download the Statement of Information for Corporations and LLCs; California has revised the format of the LLC SOI to require Form LLC 12A for additional managers

Carrier Materials

Select your state and choose your carrier to see the most up-to-date materials and forms for your presentations and enrollments. Check out our current Underwriting turnaround times below!


Avg. underwriting turnaround

Customizable Broker Resources

Download our customizable broker resources, put your name on them, and offer more to your clients.

Tools + Tech to Support You

Our industry-leading technology and innovative tools can simplify quoting, enrollment, and provider search for you – and make things easier for your clients and their employees. Check them out below.

Integrated Provider Search Tool

Ensure clients get their preferred medical groups, doctors, and hospitals with our Integrated Provider Search tool. It saves you time upfront and on the back end – making your proposal more complete for your clients.

Schedule a Demo
mobile quoting
Comparison Quoting

Get side-by-side plan comparisons showing current, renewal, and recommended alternatives. Built-in safeguards prevent errors and make it clear when a deductible applies. Plus, we offer 100% accurate quoting for Small Groups.

See a snapshot
Mobile-Friendly Quoting

WBQuote Lite is a lighter version of WBQuote and perfect for quoting on the go or making on-the-fly changes with clients, like census updates.

Sign in and Quote
Online Enrollment

API integration makes it easy for you to go from quote to online enrollment with just one click. Partners like Ease offer your clients a better way to manage employee benefits online.

See it in action
Exclusive WBMedID

Give your clients and their employees free access to Medical ID Card info on their smartphones when their coverage begins.* Easily add Dental, Vision, and other coverage or book a “house call” using

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Large Group Expertise

We’ll help you get into – and conquer – the Large Group market. We offer the carriers clients want, a simplified RFP process, customized presentations, value-added extras, and presentation assistance to close the deal.

Tap into our pros

We have the in-house expertise you need to expand your Individual & Family Plan (IFP) sales, whether you have questions about Health Insurance, Qualifying Life Events, Medicare Supplements, or anything else.

Learn More
Compliance Resource Center

We’ll help you stay up to date on health care reform with our Compliance Resource Center, where you’ll find tools to help clients understand their options to make the right decisions.

Visit Center Now

*Immediate proof of insurance is available 24-48 hours after group case installation is approved for coverage issued by Aetna, Anthem Blue Cross, Blue Shield of California, and Health Net.(Available only in California.)

Q4 Buzz

Catch the latest news and updates from the carriers and us throughout Q4.

Word & Brown

@WordAndBrownGA  ● Sep 17

Underwriting docs, customizable resources, carrier materials, we have it all for you! Check out our Q4 website at…

Word & Brown

@WordAndBrownGA  ● Sep 16

Get ready for Q4 with marketing materials from Broker Pop. From custom business cards to direct mailing campaigns,…

Word & Brown

@WordAndBrownGA  ● Sep 11

Q4 is right around the corner. Check out the site we put together with lots of resources to help your sales go 📈…

Word & Brown

@WordAndBrownGA  ● Sep 07

“All of our offices are closed today, but we will be back and ready tomorrow to help answer your calls and questions. Have a great holiday!”

Word & Brown

@WordAndBrownGA  ● Sep 03

We have a lot more speakers up our sleeves in our continuation of Carrier Con this year including Phillip Cannon fr…

Word & Brown

@WordAndBrownGA  ● Sep 03

“Visit the Word & Brown Q4 site to get the tools and resources you need to get ready for peak season.…

Word & Brown

@WordAndBrownGA  ● Sep 03

With the extension of Carrier Con we are delighted to share that David Bedard and Jeanette Carter will be joining u…

Word & Brown

@WordAndBrownGA  ● Aug 29

Philip is sharing all the hottest updates from Evolved Benefits at our #CarrierCon2020, and now you have one more w…

Word & Brown

@WordAndBrownGA  ● Aug 28

We’ve added Guardian’s Dental plans to our two quoting platforms: WBQuote and WBQuote Lite. Log in to start quoting…

Word & Brown

@WordAndBrownGA  ● Aug 28

Guess what??! We received a TON of requests for more days of #CarrierCon2020 and you're getting it!! 🤸‍♂️ You have…

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