Sell more. Stress less. We handle the rest.
You didn't get into this business to chase paperwork. PHS gives you access to A-rated carriers for supplemental health insurance, competitive commissions, and a full back office — so you can focus on what you do best: selling and growing your agent business.
Agents shouldn't have to be compliance experts, billing departments, and sales.
The health benefits market is full of opportunity — but also full of complexity that keeps agents from doing what they do best.
Everything You Need to Sell Supplemental Health Insurance — Nothing You Don't
When you partner with PHS, you get a full back-office operation working behind you. As a member of the National Association of Health Underwriters, we understand industry standards and help you focus on relationships and revenue.
A-Rated Carrier Access
Offer your clients products from industry-leading, A-rated carriers. We continuously monitor and expand our portfolio so you always have competitive options to sell.
Commissions, Paid On Time
A dedicated finance team ensures your commission schedule is set up correctly and paid exactly when it's due. No chasing. No surprises. No headaches.
Enrollment & Billing Handled
From member onboarding to recurring billing and grace period management — we run the entire back office so you never have to.
Compliance Built In
Our in-house compliance team monitors state and federal regulations, handles filings, and reviews every product — so your business stays protected.
Sales Tools & Marketing Support
Your own agent website, online enrollment portal, approved marketing materials, and product training — everything you need to hit the ground running.
Dedicated Broker Support
A real team that picks up the phone. Your dedicated broker support team is always ready to assist with licensing, appointments, or any question you have.
In-demand products your clients actually need
We work with industry-leading carriers to assemble a competitive product mix — from primary coverage to supplemental benefits and value-added services.
Insurance Products
- Short-term health insurance
- Limited benefit / indemnity health programs
- Critical illness coverage
- Accident & gap insurance
- Accident medical expense coverage
- Term life insurance
- Accidental death & dismemberment
- Prescription coverage
- Dental and vision care
Value-Added Benefits
- Patient & medical advocacy services
- Discount prescription programs
- Telemedicine appointments
- Direct-to-consumer lab services
- Reduced radiology rates
- Eye health benefits
- Bundled packages for individuals & families
By combining insured products with cost-saving benefits, your clients get more affordable, customized solutions that actually work for their budgets.
Getting started is simple
No red tape. No lengthy onboarding. Just a clear path from first conversation to first sale.
Talk to Us
Schedule a call. We'll learn about your business, your market, and your goals — no pitch, just listening.
Get Appointed
We help you with licensing and carrier appointments so you're ready to sell in your state — fast.
Access Your Tools
Agent website, enrollment portal, marketing materials, and product training — all ready for you on day one.
Start Selling
You sell. We handle enrollment, billing, member support, and compliance. You get paid on time, every time.
Resources for independent agents
Everything you need to understand our platform and start building your business with PHS.
See the full back-office support available to partnered agents.
A-rated carriers with competitive supplemental and health products.
Track commissions, persistency, and sales performance in real time.
One of our most popular product lines — learn how it works.
Supplemental coverage for serious diagnoses — high demand, strong commissions.
Resources for your clients — billing questions, portal access, and more.
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Your clients need better options. We'll help you deliver them.
Join the agents who've already discovered what it means to have a real partner behind them. No long-term contracts. No pressure. Just a conversation about what's possible.