Benefit Platforms

Insurance distribution for benefit administration platforms

If you run a benefit administration platform, a third-party administrator, or a voluntary-benefit or member-benefit platform, you can offer insurance products to your members without becoming an insurance agency or building a carrier integration from scratch.

ShieldKnot is the licensed producer and the integration layer. You bring the members and the relationship; we bring the products, the carriers, and the compliance. Your platform earns recurring revenue on every policy while we handle rating, binding, policy issuance, and servicing behind the scenes.

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Insurance integration for benefit platforms

How it works for platforms

Three steps from member list to active coverage

1. Connect once

Integrate through a single API or send a secure flat-file feed of eligible members. No per-carrier connections, no rating engine to maintain on your side.

2. We do the insurance

ShieldKnot rates, binds, and issues policies with our carrier partners and remains the licensed producer of record. Your platform does not need its own insurance license.

3. Members enroll and renew

Members are enrolled and billed on your existing cycle. Policies, documents, renewals, and cancellations are handled automatically, and you share in the recurring revenue.

Products

Coverage your members can access

We tailor the product mix to your member base. Lines available through the benefit-platform model include:

Pet insurance: accident and illness coverage offered as a voluntary member benefit.
Travel insurance: single-trip and annual travel plans for members who travel for work or leisure.
Event and voluntary lines: special-event liability, event cancellation, and other add-on coverages suited to your audience.

If a product your members need is not yet in market, we work with our carrier partners to build it.

Why ShieldKnot

Why benefit platforms choose us

No license required: ShieldKnot is the licensed producer, so your platform does not have to become an insurance agency.
Licensed in all states: we transact insurance in every state and territory (IL producer license #3002117772).
Real carrier relationships: our team has produced more policies than any other agency for a top 10 global carrier and guided carriers through their first embedded solutions.
Recurring revenue: earn an ongoing share on every member policy, with no insurance operation to staff.
One integration: a single API or file feed replaces multiple carrier connections and back-office work.

FAQ

Common questions from benefit platforms

Can a benefit administration platform sell insurance to its members?

Yes. Through ShieldKnot, your platform can offer insurance to members as a voluntary benefit. ShieldKnot acts as the licensed insurance producer, so your platform distributes the coverage and earns revenue without holding an insurance license itself.

Do we need an insurance license to offer insurance through our platform?

No. ShieldKnot is the licensed producer of record and is licensed in all states and territories where it transacts insurance. Your platform provides the member relationship and distribution; ShieldKnot handles the regulated insurance activity.

How does ShieldKnot integrate with our platform?

Two ways: a single REST API for real-time quoting, purchase, and policy management, or a secure flat-file feed where you send eligible members on your existing schedule and ShieldKnot handles enrollment, billing periods, renewals, and cancellations.

How does revenue share work?

Your platform earns a recurring share of premium on every member policy placed through ShieldKnot. Specific terms are set per partnership. Contact us to discuss your member base and the right product mix.

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