Two internal tools in one file: a Broker Portfolio Assessment that projects commission opportunity across a broker's book, and an Employer Group Assessment that sizes eligible lives, employer cost, and combined coverage — plus a risk comparison showing how FLORA shifts claims risk off the employer. Standard structure only — 10% Year 1 + a 5% trailer. Yellow fields are inputs; example data is pre-loaded.
FLORA (Flora Fertility) is fertility insurance for the next generation of parents — and the employers that support them. Unlike traditional models, FLORA functions as a voluntary, individually underwritten fertility benefit that does not disrupt existing group coverage. Employees enroll on their own terms, and FLORA handles all claims directly. The policy is portable if employees leave, allowing for continuity of coverage.
Backed by A-rated carriers and global reinsurers, it is the first product of its kind to make fertility treatment affordable and accessible for the masses, while mitigating financial risk for employers. With 88% of Gen Z willing to change jobs for fertility benefits, FLORA allows employers to offer a high-demand benefit cost-effectively and/or augment any fertility group coverage they already have in place.
Enter how many employers a broker holds in each size band to project total policy volume and commission opportunity.
Total policies (volume)
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Year 1 (10%)
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Trailer / yr (5%)
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Lifetime (10%+5%)
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| Portfolio band | # employers | Avg size | Policies | Year 1 (10%) | Trailer/yr (5%) | Lifetime |
|---|---|---|---|---|---|---|
| Small-to-Mid Size 100 – 499 employees | — | — | — | — | ||
| Large Size 500 – 999 | — | — | — | — | ||
| Enterprise 1,000+ | — | — | — | — | ||
| Portfolio total | — | — | — | — |
Basis: eligible lives = 22% of headcount (15% employees aged 20–34 + 7% spouses/dependents); capture rate applied to total eligible lives. Avg size is a per-band editable assumption — set it to the broker's true average.
Non-binding — used to generate tailored options for a single employer group. Enter the group's demographics to size eligible lives, employer cost (premium only), and combined coverage.
Total eligible lives
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Claims are paid by the A-rated carriers and reinsurers that back FLORA policyholders, NOT the employer. The employer's only cost is the premium. Defaults match the standard 500-employee example; edit any field to model another group.
| Line item | Utilization-based model | With FLORA |
|---|---|---|
| Admin / PEPM (all employees) | — | $0 |
| Enrolled participant fee / premium | — | — |
| Treatment / claims cost | — | $0 · paid by reinsurers |
| Employee (member) cost | $0 | 10% co-pay on claims · after 12-mo wait |
| Financial risk to employer | — | — |
Employer savings / year — risk shifted to FLORA's reinsurers
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— traditional financial risk − — FLORA premium (employer's only cost)
Model basis. Commission = 10% of premium in Year 1 plus a 5% trailer each renewal year; lifetime = Year 1 + trailer across the policy life (default 7 yrs ≈ 40% of annual premium). Employer cost = premium only (100% employer-paid: eligible lives × premium; voluntary: $0; co-pay: eligible × co-pay). FLORA is a reimbursement model: members are reimbursed 90% of eligible claims (10% co-pay), up to $50K lifetime / $10K per year, after a 12-month waiting period; claims are paid by the A-rated carriers and reinsurers backing FLORA — not the employer. Risk comparison: utilization-based model = PEPM × employees × 12 + participant fees + treatment cost (cycles × cost/cycle × utilizing employees); FLORA financial risk = premium only. Figures are planning estimates, not a commission agreement, quote, or guarantee; eligible employees must undergo individual underwriting before approval and pricing.
FLORA · Broker Portfolio & Employer Projector · v3 (example) · Internal use only — do not distribute outside FLORA.