Accountants & CPAs!
Accountants & CPAs!
What do you want to do for your clients?
✅ Reduce what they spend on employee benefits
✅ Find tax advantages they are currently missing
✅ Improve their cash flow without touching headcount
✅ Make their books look better before tax season
✅ Give them a reason to stay loyal to you
Let me help you add value your clients cannot get anywhere else.
Let us talk benefits strategy!
Let me help make your life easier!
Your clients trust you with their numbers.
That means they trust you to tell them when something is costing them more than it should.
Most employers with group health insurance are overpaying.
Not because they made a bad decision.
Because nobody reviewed their plan with fresh eyes.
A properly structured benefits package — combining a wellness plan, Medical Balance Protection™, and group health coverage — can reduce what your clients spend on benefits while improving what their employees receive.
That improvement shows up directly in their cash flow.
And in their EBITDA.
Which makes your job easier.
There is also a tax angle worth knowing.
A properly structured Section 125 wellness plan reduces employee taxable income — which reduces the employer's FICA obligation.
Employers typically see FICA savings across their entire workforce when benefits are structured correctly.
The savings vary by group — which is exactly why your clients should consult you before and after any benefits restructuring.
AgentDavidCares.com does not provide tax advice.
We provide the benefits structure.
You provide the tax expertise.
Together, your clients get both.
When one of your clients mentions:
Rising benefit costs.
Employees leaving for better coverage elsewhere.
Struggling to attract qualified candidates.
Cash flow tighter than it should be.
Ask one simple question:
"Do you offer group health insurance?"
If they say yes — please introduce us.
I am paid by the carrier.
No additional cost to your client.
No additional cost to you.
And your client gets a benefits review that could improve their bottom line.
That makes you look good.
General Disclaimers/Disclosures to Satisfy the Attorneys/Legal Dept
I am a licensed Insurance Agent in any state I do business in
I am not an attorney, I do not give legal advice but I know some if you need one
I am not an accountant, I do not give tax advice but will direct you to talk to one and have some I can introduce
I am not a doctor, I do not give medical advice but I can help look up doctors in your network
I represent multiple carriers so I have more options for you
I mainly do virtual appointments, I live on top of a mountain in the middle of nowhere (about 45 minute to Crossville...you know, the BIG CITY ;)
And an hour north of Chattanooga TN
Some policies are guaranteed issue, some require underwriting
Your privacy is important to me, if you are referred to me by someone, I might tell them "Thank you for the referral" but will not use your name or discuss our conversation
Not all products are available in all states
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 26 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options
Updated 07/23/2026
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