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You Want FRESH Fries With That?

May 24, 2016

“Selling just medical insurance to a group should earn an 80% retention rate.  Sell just two more lines of business and it jumps to 93%!”

I’ve quoted this health insurance sales statistic for more than a dozen years. The source is long gone, but I haven’t heard it refuted in all that time, so I’ll still quote it (if you have different experience, please comment below). 

The wisdom of the simple question “do you want fries with that?” is irrefutable. The time is long-gone when brokers brag with statements like “selling ancillary isn’t worth my time…I do better by just selling another group medical plan.”  Now, the new bragging rights are regarding the amount of consulting advice you bring, and the number of non-insurance streams of income you’ve incorporated into your agency.


At freshbenies, we’re in the non-insurance business. We know that cross-selling and up-selling additional lines works. Brokers who cross-sell our add-on services DOUBLE their commission. Plus, it makes the services darn near impossible to replace with another single vendor. Did I catch your attention? Good! Below are the details of how this plays out:


Our most successful brokers implement freshbenies this way:

  • The employer purchases the base Access Package for employees.
  • The broker doesn’t leave it there - she gets the group to voluntarily offer the 4 add-on services (NOTE: it’s simple, because there are no minimum participation requirements for these buy-ups). 


Here are a few stats that prove the value…

upsell by offering more non-insurance benefits








As much as we think we know what our clients want, we’re often wrong. The most common response to the above results is “HHHMM…that’s not what I expected.”


These are the top 5 lessons we’ve learned after doing this for so many years…

  1. Sell the Access Package employer-paid. This is the base product. If you need more convincing, check out this case study to discover how it’s a great strategy to reduce medical costs.
  2. Offer the non-insurance Add-Ons. Every benefits survey says employees want options for additional services offered through their employer.
  3. Don’t try to second-guess what members will elect. Offer all four and let them choose.
  4. Maximize your renewals. If you didn’t do this before and you have a freshbenies group coming up for renewal, offer the add-ons this time around. (Note how easily you can offer add-on options without having to install a new carrier).
  5. Defend your turf. This is a great way to do it. If you don’t offer these four buy-up options, a competitor broker could get a foot in the door by offering even one of these optional services from a stand-alone vendor.

Stop leaving your members with unmet needs. Stop leaving income on the table. Stop leaving the door open for competitors. Stop making it easy for other brokers to replace your solutions.

Start making your business simpler and your clients happier!


Reid has a passion for helping brokers & employers strategize fresh approaches to benefit plans that contain costs and increase access to care - helping employers & employees control their healthcare dime, time, and peace of mind. He writes & speaks around the country and is the Co-Founder & CEO of freshbenies.

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Tanya Boyd
Tanya Boyd
President of Tanya Boyd & Associates

I didn’t want to go to urgent care or the ER. Using Doctors Online in my freshbenies membership, I went online to ask a doctor. The doctor responded and said to check my blood pressure. He followed up with the next day to make sure my numbers were OK. By then, the feeling was starting to go away. He told me if it persists to contact my doctor. It was great that I didn’t have to go somewhere and wait forever, and it was free.” - Kelli from Texas

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Marta from NC
Marta from NC

I’ve had a great experience using this app!

It’s very convenient with everyday life.


I use it all the time and highly recommend freshbenies to everyone!