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    ESPAAgents & Agencies
    Insurance Agents & Agencies

    An opportunity that pays you twice.

    Walk in offering an employer better benefits AND payroll-tax savings, with no net cost in the example and no disruption to their existing plan. Then write the supplement insurance using the employee allotment.

    Lead with savings. Close with benefits. Get paid for helping.

    Insurance agent meeting with a business owner

    Calculate the impact

    See exactly how much an employer can save while upgrading their benefits.

    Live Estimate

    Projected employer
    savings.

    Figures based on the average $505.20 annual employer payroll-tax savings per enrolled W2 employee. Actual savings depend on payroll structure.

    W2 EmployeesRange 10 — 1,000
    18
    ↓ Adjust
    102505007501,000

    Serving businesses of all sizes.

    Monthly$758
    Annual$9,094
    Five-Year$45,468

    Added Employee Benefits

    Annual Value
    $32,400
    5-Year Cumulative
    $162,000

    Differentiate, expand your lines, build a recurring book

    Open new doors

    Employers, nonprofits, churches, schools, and municipalities that may have said no before now have a reason to say yes.

    Grow your book

    The ~$150/mo employee allotment funds voluntary lines you can write - accident, critical illness, life.

    Fully supported

    We onboard, train, supply compliant materials, and manage enrollment + payroll. You bring the relationship.

    The Process

    1
    IdentifyFind a qualified employer (10+ W-2 with health-coverage access).
    2
    CensusYou request basic payroll info.
    3
    SavingsWe build the savings analysis.
    4
    PresentWith approved, compliance-aware materials.
    5
    EnrollmentYou enroll, we support payroll setup.

    What you do

    • Bring the employer relationship
    • Request the census
    • Present with approved materials
    • Write the voluntary lines

    What we do

    • Build the census-based savings analysis
    • Supply compliant presentation tools
    • Support enrollment & payroll setup
    • Manage ongoing administration

    What agents ask first

    Add the conversation that opens doors

    Get contracted to write ESPA, or book an opportunity call to see the full picture — including how you're compensated.

    Get Contracted
    Call (256) 908-8385LHCCapital.orgOffices in AL and TNContact Us

    ESPA is a preventive benefit program built on IRS Section 125 and 213(d) frameworks, offered through Legacy Heritage Capital, powered by ESPA. This is not tax, legal, or insurance advice. All numbers are estimates. Licensing and appointment requirements vary by role and state — confirm before presenting or selling.