Insights from GOAT Insurance Partners

Without a funded buy-sell agreement, an owner’s death can hand part of your company to heirs who don’t want it. What the agreement does, how life insurance funds it, and what the Supreme Court’s 2024 Connelly ruling changed.

Enhanced ACA subsidies expired and marketplace deductibles jumped to $3,786. Here’s why that makes your group plan a stronger hiring tool — and how to add coverage at no cost to the business.

Single-carrier agents get paid on a sliver of every client they win. See how independent agents write three, four, five lines into the same account — more revenue, zero new prospecting.

Affordability is the problem everyone’s naming. Almost no one names the lever — the benefits structure that grows take-home pay without adding a dollar of employer cost.

You built years of production — but as a single-carrier agent, none of it is an asset you can sell. The case for owning a book you can one day cash out.

Managed like an employee, every expense out of your own pocket, building a book with someone else’s name on it. For the agent who’s started to suspect they’re capable of more.

You hit your stride — and started thinking bigger. Own your book, get paid five ways on every group, and walk in with an offer no one else is carrying.

Licensed voluntary benefits agents: they can call you an owner all day long — but if you don’t own the book, you own nothing. The case for going independent and owning what you build.

Spoiler: it’s not just health insurance. Here’s what employees say they actually want — and what the data says it costs to lose them when you don’t deliver it.

A high deductible can leave your team exposed when something goes wrong. Here’s the small coverage layer that closes the gap — and makes it survivable.

An ICHRA can be a smart fit for the right company — and the wrong move for others. Here’s a straight-talk look at where it fits, and where a group or level-funded plan still wins.

From 7% to 37% adoption among small employers in six years — here’s what the shift means and why more Florida businesses are making the move.