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Tech-Enabled Benefits Provider Beam Enhances Digital-First Insurance Experience

February 1, 2021

Tech-Enabled Benefits Provider Beam Enhances Digital-First Insurance Experience

COLUMBUS, Ohio, (Feb 1, 2021) — Beam Dental, the digital-first dental insurer that incorporates dental hygiene behavior into policy pricing, today announced an expansion of its Beam Perks rewards program and the introduction of a digital quoting tool. Beam Perks leverages a connected toothbrush to incentivize preventive dental care for members, and the digital quoting tool empowers brokers to receive quotes and complete the underwriting process in under 30 seconds.

Beam combines an easy-to-use online insurance platform, automated underwriting, and the smart Beam Brush to promote better oral health and deliver an innovative dental insurance experience. In addition to being the only dental benefits provider to use artificial intelligence to track how members take care of their teeth, Beam eliminated manual underwriting and automated the dental insurance value chain, from quotes to claims, for brokers, employers and members.

  • Beam Perks: Beam’s rewards program is a voluntary program that promotes preventative dental care by awarding points to members and their dependents for brushing their teeth for two minutes, twice per day. Members accumulate points using their Beam Brush, a smart electric toothbrush that tracks brushing behavior. Points can be redeemed for dental supplies, including brush heads, floss, and specially formulated Beam Paste.1
  • Digital Quoting Tool: With Beam’s automated quoting tool, brokers can input employer information, receive quotes, and complete the underwriting process in under 30 seconds — all without speaking to a sales representative. Brokers already using the tool through Beam’s pilot program have quadrupled the number of quotes they receive on a daily basis.2

“The need for digital-first capabilities in the employee benefits space has only become more prevalent over the last year, and Beam’s technology fills that need by empowering our brokers to deliver fast, accurate quotes to businesses of any size,” said Angela Dowdy, President of Dowdy Insurance, an Alabama-based Beam broker partner. “With Beam, we can help employers achieve increased accuracy and suitability with their dental plan pricing.”

The announcements follow a year of record growth in 2020, which saw Beam double revenue and number of members while expanding nationwide to over 40 states and 400,000 access points. In 2021, Beam will continue to upend dental benefits by incentivizing healthy behaviors, automating the proposal process, and forging new partnerships within the employee benefits ecosystem.

“As the modern workplace continues to take shape in 2021, employers will strive to offer comprehensive benefits packages that appeal to employees everywhere — whether their teams work in a traditional office space or remotely across the country,” said Alex Frommeyer, CEO and co-founder of Beam. “Beam gives employers an opportunity to invest in the overall health of their workforce by helping them take a proactive approach to dental hygiene.”

About Beam Dental

Beam Dental is a tech-enabled dental benefits provider that uses artificial intelligence to adjust premiums based on member brushing behavior. By combining end-to-end automation with algorithmic underwriting and its connected toothbrush, Beam helps brokers and employers ensure members get the most out of their dental benefits. Beam has raised over $80 million in venture capital funding and is the only digital-first company within the $75 billion dental insurance industry. Beam is available in over 40 states around the US and is accepted at over 400,000 access points nationwide.

Disclaimer: Dental insurance products underwritten by National Guardian Life Insurance Company, and Nationwide Life Insurance Company in New York, marketed by Beam Insurance Services LLC, and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

1 Availability and rewards may be limited due to incentive limits under applicable law.
2 Use of the Digital Quoting Tool not currently available in all states and contingent upon Broker's proper appointment and licensure.

Media Inquiries

Thanks for your interest in Beam. If you're a member of the news media with an inquiry, please contact media@beam.dental for more information.

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Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Dental policy form number NDNGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX and NM. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Vision Policy form number NVIGRP 2020. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Group Short-Term Disability and Long-Term Disability insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life, Short-Term Disability, and Long-Term Disability products are not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness (effective 5/1/23) insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Products not available in all states.

National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

Nationwide and Beam Insurance Services LLC are separate and a non-affiliated companies.

National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703

Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215

Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

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DHMO dental product available in CA, underwritten and administered by California Dental Network, marketed by Beam Insurance Services LLC. Beam Perks™ and Beam Perks rewards program not available for DHMO product members.

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Beam Perks™ is provided by Beam Perks LLC. Eligible members age 4 and up at the time of enrollment are eligible to receive Beam Perks™ and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device you can obtain Beam Perks™ by contacting Customer Operations at 1.800.648.1179. Beam Perks™ can be obtained separately without the purchase of an insurance product by visiting perks.beam.dental. Beam Perks™ may be changed at anytime without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

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Beam Perks™ is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult with an appropriate health care professional to determine what may be right for you. Rewards may be taxable. You should consult with an appropriate tax professional to determine if you have any tax obligations from receiving rewards under this program. If any fraudulent activity is detected (e.g., misrepresented brushing activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. Contact us at 1 (800) 648-1179 and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Availability and rewards may be limited due to incentive limits under applicable law. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for full program Terms and Conditions.

There is no discount associated with the bundling of products.

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Please see plan documents for services that are considered Preventive and Diagnostic.

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Pricing customization may vary based on plan and state specific limitations.

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