Commercial Employers · Group Benefits Broker
Group Health Benefits
For Every Size Business.
VeraLife is a licensed independent group benefits broker serving businesses of all sizes across 17 states. 50+ carriers via Benefix. Real-time comparisons. Fully-insured, level-funded, and self-funded options. Zero compliance gaps through Power125 automation.
Plan Structures
Three plan structures. One independent broker.
Fully-Insured
Best for: Small groups (2–99 lives)
Fixed monthly premium, carrier assumes all risk. Predictable cost, minimal administration. Best entry point for small employers.
Level-Funded
Best for: Mid-market (25–250 lives)
Fixed monthly funding with potential year-end refund if claims run low. Combines cost stability with self-funded savings opportunity.
Self-Funded
Best for: Large groups (200+ lives)
Employer assumes claims risk, pays as claims occur. Maximum cost transparency and plan design flexibility. Stop-loss protection available.
What VeraLife Delivers
Full-service. No obligation. No gaps.
50+ Carriers via Benefix
- Aetna, Cigna, UHC, BCBS, Humana, and regional plans
- Real-time side-by-side rate comparisons
- Enrollment portal auto-built on day one
- No obligation — see the full market
Power125 Compliance Automation
- CAA broker compensation disclosure
- ERISA Wrap documents — pre-built and customizable
- Form 5500 preparation and filing coordination
- ACA 1095-C reporting and COBRA administration
Renewal Planning
- Start 90–120 days before renewal — not 30 days
- Benchmark current plan against market alternatives
- Employee communications and education meetings
- Year-round account management via MBA service team
Common Questions
Employer group benefits — answered
What size employer groups does VeraLife serve?
VeraLife serves employer groups of all sizes, from small businesses with 5 employees to large enterprises with thousands of covered lives. We work across fully-insured, level-funded, and self-funded plan structures depending on group size and risk tolerance.
How does VeraLife compare group health insurance plans for businesses?
VeraLife uses the Benefix platform to provide real-time side-by-side rate comparisons across 50+ major carriers including Aetna, Cigna, UnitedHealthcare, BCBS, Humana, and regional plans. Employers see all options in one place with no obligation.
When should a business start shopping for group health insurance?
VeraLife recommends starting the review process 90 to 120 days before your current plan's renewal date. This gives adequate time for carrier comparisons, plan design analysis, employee communication, and enrollment setup without a coverage gap.
Does VeraLife handle group benefits compliance for businesses?
Yes. Through Power125 by CRC Benefits, VeraLife automates ERISA Wrap documents, Form 5500 filing, CAA broker disclosure, COBRA administration, and ACA 1095-C reporting. All deadlines are tracked automatically so HR teams never miss a filing.
Licensed Markets
Employer group benefits coverage across 17 states
See the full market. No obligation.
30-minute plan review. We benchmark your current coverage against 50+ carriers and show you every option.
Schedule a Plan ReviewKerlan Lovell · Licensed Agent · NPN #21266498 · Licensed in 17 States