A reactivation, producer-growth, and cross-sell engine for Summit Alliance & Realm Health.
Your 2012 book has spent 14 years getting married, having kids, buying homes, and aging toward Medicare — arriving exactly as 11,400 Americans turn 65 every day. It isn’t dead. It’s dormant, and your rebrand is the clean reason to reopen it.
Re-contact your own 2012 clients (broker-of-record, compliance-safe) with an engaging assessment → auto coverage-gap report → a booked producer appointment.
An Ethos-grade public funnel — an engaging assessment beats a form — capturing direct clients and routing them to producers.
A white-label benefits arm for payroll partners: they bring the worksites and the deduction rail; you bring the licensed shelf.
The same platform powers all three — the agent cockpit, the client portal, the owner command center, auto reports, booking, and CRM underneath.
The agent cockpit, the agent’s public page, the client portal, the owner command center, and five assessment funnels — running now, not a mockup.
Medigap + retirement income + final expense on the same aging household — reactivation skips the two most expensive parts of cold acquisition (the list and the low conversion). Sources: LIMRA · Peak 65 · CMS.
Payroll keeps that employee 6–12 years at 82–99% retention — a 100k-employee book ≈ ~$50M in embedded benefits value. Summit & Realm already hold the licenses and 35+ carrier shelf payroll can’t build — so you don’t enter benefits, you arm the long tail that can’t.
Plus ~$4M in annuity deposits and a recurring renewal tail — payback in months, not quarters. Every rate is an honest range until discovery confirms your book.
One 10,000-record segment: segmented list live, funnel live, first review appointments booked. You see appointments on the calendar before the full rollout — prove the funnel rates live, then it’s a swap, not a leap.
A 30-minute discovery call confirms six numbers about your book — count, % contactable, consent, lines of business, avg premium/commission, producer count & retention. The annuity attach is the fulcrum.
One engine, three channels, two books, one loyal producer force. Reactivate the asset you already paid for before you rent a new one — the cheapest customer is the one you already own.