LLH Employee Benefits
Sales Training
Learn how to introduce employers to the most powerful zero-net-cost payroll optimization program on the market — and build substantial recurring commissions doing it.
What Is the LLH Healthcare Program?
LLH Healthcare (Live Life Healthy) is a preventative healthcare program that gives every W2 employee real, immediate access to healthcare at $0 copay — including virtual urgent care, prescriptions, lab testing, and more. It runs alongside existing major medical plans at zero net cost to the company or its employees, while improving retention, productivity, and the company's bottom line.
Simplified Healthcare Access
Employees skip urgent care lines and see a board-certified doctor on their phone, 24/7/365. Prescriptions are sent directly to their pharmacy at no cost. Faster care, less time off, more productivity.
Stronger Employee Retention
Offering real healthcare benefits — including virtual primary care, behavioral health, and 1,000+ free prescriptions — to all employees, including part-time and seasonal staff, makes your company the place people want to stay.
Financial Benefits (The Bonus)
By shifting utilization to LLH's plan, companies reduce the burden on major medical, helping control premium increases. Employers also save $850–$1,000 per enrolled W2 per year — at zero net cost.
LLH combines a Supplemental Fixed Indemnity Health Benefit with a Pre-Tax Deduction & Health Management Claim Payment. The result: employees get comprehensive preventative care — virtual urgent care, primary care, lab testing, behavioral health, prescriptions — all at $0 copay, all backed by Clear Spring Health and delivered through partners like Quest Diagnostics, Labcorp, and Rx Valet.
What's Included — Employee Benefits at a Glance
Virtual Urgent Care
24/7/365 access to licensed, board-certified physicians. $0 copay, unlimited use, family-wide. Covers flu, infections, allergies, pink eye, rashes, sore throat, and much more.
Virtual Primary Care
Routine checkups, medication refills, integrated labs, annual wellness testing, and caregiver support — with a dedicated PCP who knows your employee. $0 copay, unlimited use.
1,000+ Free Prescriptions
No copays, no deductibles. Covers maintenance meds (cholesterol, blood pressure, diabetes, anxiety) and emergency meds at 70,000+ pharmacies nationwide or home delivery.
Laboratory Testing
80+ screening options at Quest Diagnostics & Labcorp nationwide. Includes metabolic panels, thyroid, HbA1C, testosterone, vitamin deficiencies, and more. $0 copay.
Behavioral Health
Virtual sessions with master-level therapists for anxiety, depression, ADHD, stress, PTSD, and more. Ages 12+, $0 copay. Boosts workplace productivity and reduces absenteeism.
Hospital Indemnity & Tax Consulting
Fixed claim payments for ER visits, hospital stays, and ambulance use (Plans G–A). Plus 24/7 tax advice via Tax Rite — available to all household members at no extra cost.
You don't close deals. You open doors. Your one job is to get the right decision-maker onto a discovery Zoom. LLH's expert team handles all presentations, proposals, closing, onboarding, and employee education.
What You'll Earn
- Recurring monthly commissions based on enrolled lives
- Paid on or around the 15th of the following month
- No cap — more clients = more income, every month
- Commissions start after client goes live (~30 days post-agreement)
- Build a growing book of business that compounds over time
What LLH Handles For You
- All discovery Zoom presentations
- Custom financial proposals using real payroll numbers
- Closing the deal and signing the Master Service Agreement
- Employee onboarding and enrollment education
- Ongoing client management and support
You must hold an active Health Insurance license in each state where you write business. Submit your license copy and current E&O Insurance to: mike@bluewavefinancial.com
Your Simple Workflow
Follow these five steps every time. This proven process keeps deals moving and your commission pipeline full.
Get Licensed & Submit Your Documents
Before you can earn, you need an active Health Insurance license for the applicable states. Send your license copy and current E&O Insurance to mike@bluewavefinancial.com. This is a compliance requirement — don't skip it.
Build Your Prospect List & Get Marketing Materials
Speak with Mike Athas about customized 8.5"×5.5" case study cards as well as other digital marketing pieces available to you. Compile a list of local businesses with 25+ W2 employees (aim for 50+). Start with your existing network first, then warm referrals, then cold outreach.
Book & Attend the Discovery Zoom
Get the right decision-maker (owner, CFO, COO — not HR) scheduled on a Zoom within a few days of your initial contact. Use the Calendly link below. On the Zoom: introduce the prospect, state their role, then mute yourself. Let LLH's presenters do their job.
Chase the Payroll Data
Immediately after a successful Zoom, LLH sends a payroll data request. Your job is to make sure the client submits it within 24–48 hours. Time kills deals. Reach out right away: "We can fast-track your proposal if we get that payroll data in within 24 hours — it's only about 15 minutes of their time."
Client Closes → You Get Paid
Once the client signs the Master Service Agreement, LLH manages the rollout (typically 30 days). After the program goes live, enrolled lives are counted monthly and you receive commissions on or around the 15th of the following month — in arrears.
Agreement signed → 4–8 weeks to go live → ~30 more days until first commission. This is why pipeline consistency is everything. Keep booking new Zooms every single week — do not slow down after landing a few deals.
Who to Approach
Any company with W2 employees paying at least $400/week in gross wages is a potential client. That's virtually every business in your area.
The Two Non-Negotiables
Qualified = earning at least $400/week gross. Recommended: target 50+ employee companies. The program is not available for 1099 contractors.
The business must be registered in any U.S. state other than NM.
Who to Talk To
- Small businesses: Go straight to the owner
- Mid-sized: Target CFO, COO, CEO, or key stakeholder
- Large companies: Start with finance/operations leadership
- NEVER start with HR — they have no financial incentive
"HR plays an important role, but this is about putting cash back in the company. Can we include the CFO or VP of Finance in the discussion?"
Best Industries to Target
What to Say — and How
Your goal is NOT to explain the plan. Your goal is to pique enough interest that the prospect agrees to get on a 20–25 minute Zoom. Nothing more.
Decision-makers care about ONE thing: their bottom line. Never say "employee benefits" — they've heard that a thousand times and will mentally check out. Instead, talk about payroll optimization, EBITA, and zero-net cost.
This is a compliance and credibility requirement. Use precise language every time.
Lead With: Employee Retention & Access
- Employees can see a doctor on their phone instead of driving to urgent care
- Prescriptions sent directly to their pharmacy at $0 copay — same day
- Saves employees time, money, and energy → higher productivity
- Real benefits for part-time, seasonal, and adjunct staff who don't qualify for major medical
- Day-one coverage extending to family members — immediate impact
- Behavioral health access reduces absenteeism and improves morale
- Offering this benefit makes your company easier to recruit to and harder to leave
Then Add: The Financial Story
- Shifts utilization to LLH's plan → reduces burden on major medical
- Fewer major medical claims = helps control future premium increases
- Employer saves $850–$1,000 per enrolled W2 per year
- All of this at zero net cost to the company and its employees
- 100% client retention — no company has opted out in 7 years
- Runs seamlessly alongside existing plans like Blue Cross Blue Shield
- Backed by Clear Spring Health and Federal Life (125+ years in business)
Decision-makers have heard the benefits pitch a thousand times. Open with the employee experience and retention angle — it's new, it's real, and it resonates. Then let the financial savings be the "and it also puts money back in your pocket" moment. Never say "free" — always say "no-net cost" or "zero-net cost."
Prospect Hot Buttons
Employee Retention & Recruitment
Real healthcare access for all employees — including part-time — makes your company the place people stay. Reduced turnover saves tens of thousands in hiring costs.
Productivity & Less Absenteeism
Employees who can see a doctor on their phone in minutes instead of spending half a day at urgent care stay at work and stay healthy.
Control Premium Increases
By shifting everyday utilization to LLH's plan, the burden on major medical drops — which helps contain year-over-year premium increases.
Bottom Line Impact
The employer savings are real — $850–$1,000 per enrolled employee per year — but this is the bonus, not the headline. Let the financial case close the argument.
Sample Scripts for Key Moments
Opening statement (in-person or phone): "I wanted to share something most business owners in [industry] haven't seen yet. We have a healthcare program that gives every one of your employees — including part-time staff — access to a doctor on their phone, free prescriptions, and real benefits at $0 copay. It also runs alongside whatever health plan you already have, and it costs your company absolutely nothing to implement. I'd love to set up a quick 20-minute Zoom so our team can walk you through exactly how it works."
On retention: "The number one reason employees leave is feeling undervalued. One of the most tangible ways to show your people you care is giving them real access to healthcare — not just a card, but a doctor on their phone, free prescriptions sent to their pharmacy, mental health counseling. And for your part-time employees who don't get anything right now? This changes the game for them. That kind of benefit keeps people around."
On reducing major medical burden: "Here's something most employers don't realize: every time an employee uses your major medical for a routine illness or prescription, it drives your claims higher and your premiums up at renewal. Our program shifts that everyday utilization — the colds, the prescriptions, the check-ups — to LLH's plan. That takes pressure off your major medical and helps you control what you're paying year over year."
When they ask for more details: "That's exactly why we do these Zooms — our team can walk you through the full picture in about 20–25 minutes and show you real numbers from companies just like yours. Let's get something on the calendar right now."
- How many W2 employees do they have? (Including part-time)
- Who is their payroll provider?
- Do they currently offer health insurance or benefits?
That's it. Don't go deeper. Get them on Zoom.
Turning No's Into Zooms
Most objections stem from disbelief — this plan sounds too good to be true. Your job is to establish credibility and lower the bar: all you need is a 20-minute Zoom. You're not asking them to buy anything.
"I don't see the value in this."
"I don't have time for this."
"This sounds too good to be true."
"We already have benefits in place."
"We're not interested right now."
"Let me run this by my benefits broker."
- Use financial language — when in doubt, bring it back to EBITA and zero-net cost
- Frame objections as opportunities — every objection is a disguised concern about risk or credibility
- Reduce friction — make it clear that saying yes to a Zoom requires no commitment and no risk
How to Book a Client Zoom
The Zoom meeting is the heart of this business. Once you've pre-qualified a prospect, use the steps and Calendly link below to get them scheduled with the LLH team.
Zoom Booking Checklist
- Confirm client has 25+ qualifying W2 employees (earning $400+/wk)
- Confirm company is NOT registered in New Mexico
- Book the Zoom within a few days of your first conversation
- Use the Calendly link below — the system routes to the correct team based on W2 count
- Fill in all Calendly fields; put "n/a" if you don't know an answer
- Add eric@toptobottomsolutions.com and mike@bluewavefinancial.com as guests on every booking
- Ask the prospect to accept the invite immediately in their email
- Send a brief intel email to the presenter (business type, role, hot buttons)
- Send a casual reminder text morning of the Zoom
- On the Zoom: introduce the prospect → state role → mute yourself
Critical Zoom Rules
After introducing the prospect and their role, mute yourself and let LLH's expert presenters handle everything. The less you say, the better.
Book a new time immediately. Do not leave it open-ended. Say: "No problem — let's find a time that works now while I have the calendar open."
Email the presenter with: What's their hot button? Cost savings? Retention? Do they have primary health insurance? The more context, the better the presentation.
Morning-of reminder text example: "Hey [Name], looking forward to seeing you on the Zoom this afternoon! Let me know if you have any questions before we connect."
Rules You Must Follow
These are non-negotiable. Violations of mass marketing rules are terminable offenses.
This program is exclusively referral-based. Mass marketing is a terminable offense with zero tolerance.
Repeatedly inflating W2 employee numbers will result in removal from the program. Be accurate — estimated is okay, but systematic exaggeration is not tolerated.
You may create custom materials only with prior approval. Existing case study cards are your best tool. Use them in conversations — never cold mailings.
Your job is booking Zooms and getting payroll data. Do not try to present or close deals yourself — that's LLH's role, and they're the experts.
Keep your upline updated on pipeline status. CC eric@toptobottomsolutions.com and mike@bluewavefinancial.com on all client emails. Organized communication = faster commissions.