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UCG REFERRAL PARTNER PROGRAM

You Open the Door. We'll Handle the Rest.

You’ve already done the hard part, you’ve built relationships with business owners, leaders and people who trust you.

The UCG Referral Partner Program gives you a way to turn those trusted relationships into new opportunities for the businesses you know and additional income for you.

You don’t need to become a benefits expert, run presentations or manage the sales process. You make the connection. UCG takes it from there.

Become a Referral Partner

WHAT ARE YOU INTRODUCING?

A benefit strategy that
creates value on both sides.

UCG Health Benefits is a Section 125 health benefits program designed to create value for both the business and its employees.

Through a combination of potential payroll-tax savings and meaningful health and wellness benefits, the program can create financial value for employers while helping employees access additional benefits and potentially keep more of what they earn.

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FOR EMPLOYEES

More value in every paycheck.

Participating employees can gain access to additional health and wellness resources while typically seeing an increase in take-home pay.
2–3%
potential increase in employee take-home pay
Virtual urgent and primary care
Mental health support
Prescription savings
Preventive health resources and screenings
Hospital indemnity protection
Typically 2–3% more take-home pay

The 2–3% employee take-home-pay figure is currently repeated within the same employee card. Please only feature it once as the primary callout and use the remaining copy to explain the employee value rather than repeating the same statistic.

FOR EMPLOYERS

Better benefits can create real
business value.

Employers can strengthen what they offer their people while creating potential recurring payroll tax savings.
~$600
potential annual employer savings per participating employee
Add meaningful employee value
Strengthen recruiting and retention
Enhance their existing benefits strategy
Work alongside existing major medical coverage
Potentially create recurring savings as employees participate
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THE REFERRAL PARTNER ADVANTAGE

Your role is to identify the opportunity and make the connection. UCG handles the education, analysis, presentation and sales process from there.

You don't need to become the benefits expert.

WHAT’S IN IT FOR YOU?

One introduction can create income
that continues month after month.

When a business you refer becomes an active UCG client through a qualifying Section 125 health benefit plan, you earn recurring compensation based on the number of employees enrolled.
And your opportunity doesn’t stop with the employers you know. You can also earn when you introduce other people who become UCG Referral Partners.
TIER 1 — EMPLOYERS YOU REFER
$5 PEPM
$5 per enrolled employee, per month
When an employer you directly refer becomes an active UCG client, you earn $5 PEPM for the life of that active employer account.
PEPM = Per Enrolled, Per Month
ENROLLED EMPLOYEES
MONTHLY INCOME
ANNUAL INCOME
100
$500
$6,000
500
$2,500
$30,000
1,000
$5,000
$60,000
TIER 2 — REFERRAL PARTNERS YOU INTRODUCE
$1 PEPM
$1 per enrolled employee, per month
Know someone else with great business relationships?
If you introduce someone who becomes a UCG Referral Partner and they later bring in a qualifying employer, you earn $1 PEPM on that active employer account.
ENROLLED EMPLOYEES
MONTHLY INCOME
ANNUAL INCOME
100
$100
$1,200
500
$500
$6,000
1,000
$1,000
$12,000

THE OPPORTUNITY AVAILABLE TODAY

Build recurring income, not just a one-time referral fee.

Referral Partners who join under UCG’s current recurring PEPM program establish their compensation terms through their Referral Partner Agreement.

UCG may change the compensation structure offered to future Referral Partners, including moving to a one-time referral payment model. Future changes would not change compensation terms already established in an executed Referral Partner Agreement.

Then include a separate, clearly visible note:

Referral compensation shown on this page applies specifically to qualifying UCG Section 125 health benefit plans. Other UCG products and services may have different compensation structures, eligibility requirements or agreements.

We will have legal review the final compensation language before launch.

UCG expects the compensation structure offered to future Referral Partners to change and may transition to a one-time referral payment model.

IMPORTANT PROGRAM NOTE

The PEPM compensation described here applies specifically to qualifying UCG Section 125 health benefit plans. Other products or services offered by UCG now or in the future may have separate referral opportunities, compensation structures, eligibility requirements, and agreements.

Income are based on the number of enrolled employees. They are not guarantees of income. All compensation is subject to the terms of the UCG Referral Partner Agreement.

Income examples are provided for illustration only

YOUR ROLE IS SIMPLE

Make the connection.
We’ll handle the rest.

Your role is simple: recognize a good opportunity, create enough interest for the business to want to learn more, and connect them with UCG.

U.S. Business
50+ Employees
C-Suite Connection Preferred
01

Identify an Opportunity

Think of an employer that could benefit from UCG, or someone in your network who may want to become a Referral Partner too.

02

Share Your UCG Link

Send your personal UCG link by email, text, social media or however you normally communicate with your network.

For employers, the link gives them a simple way to request their free Financial Impact Analysis.

For potential Referral Partners, the link allows them to learn about the program and sign up directly.

03

UCG Takes It From There

Once they submit the form through your tracked link, UCG handles the next steps, including outreach, education, analysis, presentations and the sales process.

04

Earn Recurring Income

When a qualifying employer you referred becomes an active UCG client, you earn Tier 1 recurring PEPM compensation.

If someone you referred becomes a UCG Referral Partner and later brings in a qualifying active employer, you may earn Tier 2 recurring PEPM compensation.

You don’t have to close the deal to benefit from the opportunity.
You open the door. UCG takes it from there.

CHOOSE HOW YOU WANT TO PARTICIPATE

Make it as simple or as active as
you want.

Not every Referral Partner wants to participate in the same way.
Some people already have two or three businesses in mind. Others have an entire book of business or audience they want to reach. And some see an opportunity to intentionally build recurring income by working through their network.
You choose what works for you.
01 / CONNECTOR

Make introductions when
the opportunity is there.

Already have a few businesses or people in mind? Start there.
Make the introductions that make sense today and come back whenever another opportunity naturally comes your way.
There’s no expectation that you continually prospect or work through your entire network.
Best for: Someone with a handful of strong relationships or who wants to refer opportunities as they arise.
02 / CAMPAIGN PARTNER

Reach more of your
network at once.

If you have a book of business, client list, membership, audience, or professional network, you may want to introduce UCG more broadly.
UCG provides ready-to-use messaging and campaign resources so you don’t have to build everything from scratch.
If your opportunity calls for something more customized, our team can help develop a strategy around your network.
Best for: Brokers, advisors, consultants, associations, organizations, and others with an established audience or book of business.
03 / ACTIVE PARTNER

Turn your network into an
ongoing opportunity.

Active Partners choose to work through more of their network, make personal introductions, and build UCG into an ongoing part of how they create value for the businesses they know.
We’ll provide additional strategy and support as you identify and pursue opportunities.
Best for: Someone who sees the potential to build meaningful recurring income and wants to actively pursue it.

Same compensation opportunity. Different ways to participate.

These are simply different ways to engage with the program, they are not compensation levels.

Your Referral Partner compensation doesn’t change based on which approach you choose, and you’re never locked into one style.
WHO CAN PARTICIPATE?
Brokers, consultants, advisors, business owners, associations, organizations, and well-connected professionals can all be a fit.
You do not need to work in employee benefits to participate.

EVERYTHING YOU NEED TO START OPENING DOORS

You bring the relationships.
We’ll give you the tools to
make the most of them.

The program is designed to let you move without waiting on UCG every step of the way, but our team is here when you have questions or need help with an opportunity.

Tracked Referral Links

Make the introduction, and make sure it’s connected to you.
Receive unique tracked links for eligible employer and Referral Partner introductions.
▣

Referral Partner Playbook

Your go-to resource when you need it.
Access conversation starters, outreach scripts, FAQs, guidance for reaching decision-makers, the White Paper Interview strategy, and step-by-step referral guidance.
✦

Campaign Resources

Reach more of your network without starting from scratch.
Access ready-to-use messaging and outreach materials, with additional strategy available for larger or customized opportunities.
◎

Real Human Support

Work independently without being on your own.

The program is designed to let you move without waiting on UCG every step of the way, but our team is here when you have questions or need help with an opportunity.

GETTING STARTED

Ready to turn your relationships into
new opportunities?

Getting started is simple, and you don’t need to schedule a call to join.

01

Tell Us About Yourself

Complete the short Referral Partner sign-up form.
02

Complete Your Agreement

Once your information is reviewed, we’ll send your UCG Referral Partner Agreement outlining the program and your compensation terms.
03

Get Your Resources

Receive your Referral Partner Playbook, unique tracked links, and referral resources.
04

Start Opening Doors

Begin making introductions whenever you’re ready.

READY TO GET STARTED?

Ready to turn relationships into opportunities?

Complete the form and our team will follow up with next steps, including your Referral Partner Agreement and onboarding resources.

Become a UCG Referral Partner

Looking for a strategic partnership instead?Ready to turn your relationships into new opportunities? Tell us a little about yourself below. We’ll review your information and send you the next steps to complete your Referral Partner setup.

Company Information

NEED ADDITIONAL HELP?

More for your business. More for your people. More possible together.

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Talk With Our Team

FREQUENTLY ASKED QUESTIONS

A few things you
may still be
wondering.

The FAQ stays compact so visitors can open only the questions they need.

Start with U.S. businesses with 50 or more employees.

Our ideal connection is to a CEO, CFO, owner, or other senior decision-maker, but don’t let that stop you if your relationship is with someone else.

If your connection can help us reach the right person, it may still be a great opportunity.

You don’t need to determine whether every employee meets the program’s W-2 eligibility requirements before referring the business. Bring us the opportunity and let UCG determine the fit.

PEPM means Per Enrolled, Per Month.

Under UCG’s current Section 125 Referral Partner program, Tier 1 compensation is $5 per enrolled employee per month on qualifying employer accounts you directly refer.

Recurring PEPM compensation continues for the life of the qualifying active employer account, subject to the terms of your Referral Partner Agreement.

Not necessarily.

UCG expects the compensation structure available to future Referral Partners to change and may transition to a one-time referral payment model.

Referral Partners who join under the current recurring PEPM program will have their compensation terms established in their Referral Partner Agreement.

Yes.

Under the current program, if you introduce someone who becomes a UCG Referral Partner and they later refer a qualifying employer that becomes an active client, you may be eligible for Tier 2 compensation of $1 PEPM on that employer account.

No.

The compensation described on this page applies specifically to qualifying UCG Section 125 health benefit plans.

As UCG expands its employer solutions, additional referral opportunities may become available. Other products and services may have different eligibility requirements, compensation structures, or agreements.

UCG REFERRAL PARTNER PROGRAM

Your next opportunity may already
be in your network.

You bring the relationships. We’ll bring the tools, expertise, and support to help turn the right introductions into something valuable for everyone involved.
You open the door. UCG takes it from there.
Become a UCG Referral Partner
More for your business. More for your people. More possible together.