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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!


The Word & Brown 2020 cookbook is here! Made a recipe? Tag us on social and include #q4cookbook in your post to show us — and the world — what you made.


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: November 11, 2020

COVID-19 and Health Benefits: What You Need to Know

Plan Changes: Many carriers are offering a special enrollment period for individuals who did not initially join a group policy, as well as the ability for the employer to make changes in plan options and contribution amounts to control premium costs due to COVID-19.
Please note: the employer will need to be compliant with the ACA’s 60-Day Advance Notice of Material Modification requirement

Premium Grace Periods: A majority of carriers already include a provision for a grace period for those clients struggling to meet monthly premium payments. Several carriers have extended this grace period due to the impact of COVID-19.

Leave or Reduction of Hours: Several carriers have relaxed requirements for employees to be actively working in order to be eligible, as long as the employer maintains payment of monthly premiums.

Rehire Eligibility: Carriers have developed different strategies for rehiring employees after termination or furlough due to COVID-19. Waiting periods may be waived to ensure the employee receives coverage once returning to work.

Employee Assistance Programs (EAP): All carriers are required to cover mental health services. EAP is an additional resource above the required benefits for mental health. At this time many carriers have offered free assistance programs for those employees struggling with mental health issues due to COVID-19.

COVID-19 Treatment: Several carriers are offering free and waived medical costs for treatment and testing.

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.

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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.

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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.

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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  ● Jan 06

Tips from Word & Brown President Jessica Word for avoiding virtual meeting fatigue and staying productive.…

Word & Brown

@WordAndBrownGA  ● Jan 01

🎉 We wish you a healthy, happy, and safe New Year!

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Word & Brown

@WordAndBrownGA  ● Dec 25

We wish you and your family a happy and safe holiday. ❄️

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Word & Brown

@WordAndBrownGA  ● Dec 18

Wishing You and Your Family Happy Holidays! ☃️

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Word & Brown

@WordAndBrownGA  ● Dec 11

We are so humbled and proud to be one of just 105 companies to make this year’s list. The OC Top Work Place awards…

Word & Brown

@WordAndBrownGA  ● Dec 08

A new option gives your clients a valuable tool to help them when recruiting against bigger companies to attract an…

Word & Brown

@WordAndBrownGA  ● Nov 26

We wish you a Happy Thanksgiving. Our offices will be closed today, November 26th and Friday, November 27th. 🍷

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Word & Brown

@WordAndBrownGA  ● Nov 24

Still looking for Thanksgiving dishes to wow your family? Check out our Q4 cookbook for quick, easy recipes that ar…

Word & Brown

@WordAndBrownGA  ● Nov 24

We wish you a Happy Thanksgiving 🦃. Our offices will be closed on Thursday and Friday.

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