ESPAReferral Partners
    Referral Partner Program

    One introduction.
    Monthly income.

    No selling. No license. No second job. Connect us with a business and our licensed team does everything else. You earn per-employee, per-month on referred employees who are on the plan.

    You introduce. We do the rest. You get paid every month.

    Two professionals shaking hands

    Your whole job is the introduction

    1

    Introduce

    Make a warm intro to a business owner or decision-maker you know.

    2

    We enroll the business

    We explain ESPA, run the census & savings analysis, and manage enrollment + payroll.

    3

    You get paid

    Earn monthly on referred employees active on the plan, recurring.

    The more you refer, the more you earn

    Calculate your potential monthly and annual recurring income based on our tiered PEPM model.

    LIVE ESTIMATE

    Calculate your projected earnings.

    Figures based on the tiered PEPM structure. Actual earnings depend on the exact number of referred employees enrolled in the plan.

    REFERRED EMPLOYEES
    RANGE 10 — 2,500
    ADJUST
    105001,0002,500

    Tiered Earnings Structure:

    • 10-499: $10 PEPM
    • 500-999: $15 PEPM
    • 1000+: $20 PEPM

    * Illustrative for discussion only. Payout timing and exact terms are defined in your signed Referral Partner Agreement. Not a promise of earnings.

    MONTHLY
    $500
    ANNUAL
    $6,000
    FIVE-YEAR
    $30,000

    Simple by design

    What you do

    • Make warm introductions
    • Use one simple line and hand off
    • Let our licensed team do the rest
    • Collect monthly income on active referrals

    What you never do

    • Sell, quote, or explain plan mechanics
    • Give tax, insurance, or legal advice
    • Promise savings or outcomes
    • Get an insurance license for the referral role
    All you have to say

    "I know a group that helps employers add great employee benefits and usually saves them on payroll taxes, with no change to employee paychecks. Want me to connect you?"

    What referral partners ask first

    Turn your network into monthly income

    Get set up to start introducing and earning. No selling, no license, no second job.

    Call 256-908-8385LHCCapital.orgOffices in AL and TN

    The referral role is introduction-only: referral partners do not sell, present, or advise. Whether a referral arrangement requires a license and how compensation may be structured can vary by state — eligibility and all terms are confirmed in the signed Referral Partner Agreement and should be reviewed against applicable state insurance law. Tier figures are illustrative examples, not a promise of earnings. This is not tax advice; all numbers are estimates.