Beam brings ancillary benefits into Clasp’s payroll platform

For small businesses, offering ancillary benefits to employees has traditionally been complex, time-consuming, and fragmented. From quoting and enrollment to ongoing administration, the process often requires navigating multiple systems, coordinating across vendors, and managing manual workflows.

Embedded benefits are changing that.

By integrating benefits directly into platforms businesses already use, embedded benefits streamline how coverage is accessed, selected, and managed. This reduces friction for brokers, employers, and employees alike.

What are embedded benefits?

Embedded benefits integrate insurance products directly into existing platforms or workflows, allowing businesses to access and enroll in coverage without leaving the systems they already use.

Instead of navigating separate portals or coordinating across multiple vendors, benefits are presented within tools like payroll, HR, or business management platforms—making the process faster, simpler, and more connected.

How Beam and Clasp bring embedded benefits to life

Beam and Clasp are partnering to deliver embedded benefits directly within payroll workflows.

Through this integration, employers can access Beam’s full suite of ancillary products—including dental, vision, life, disability, and supplemental health—within Clasp’s platform, allowing them to quote, select, and implement coverage in a more streamlined way.

“Employers increasingly expect benefits to be integrated directly into the tools they already use to run their business,” said Alla S. Konczynski, Sr. Director of Channel Development at Beam.

“Payroll platforms have become a natural hub for managing employees and their data, and partnering with Clasp allows us to meet employers and brokers directly within those environments.”

This approach reduces the need for manual data entry, minimizes back-and-forth communication, and helps move from quote to implementation more efficiently.

Why embedded benefits matter for small businesses

For small and mid-sized businesses, benefits decisions are often constrained by time, resources, and administrative capacity.

“Software platforms want to offer benefits to their customers, but building benefits capabilities from scratch can take years,” said Zach Zhang, co-founder of Clasp.

“Clasp provides the APIs that make this possible quickly, and we’re excited to bring Beam into the ecosystem as our first live ancillary partner. Their instant quoting capabilities make it easy for platforms across our network to offer dental, vision, life, disability, hospital indemnity, accident and critical illness coverage directly within their product experience.”

Embedding benefits into existing workflows changes how these decisions are made and executed.

• Fewer systems to manage: Benefits are accessed within platforms businesses already use, reducing the need to navigate multiple tools.
• Less manual work: Integrated data flows reduce repetitive entry and administrative overhead.
• Faster decision-making: Simplified workflows help businesses move from evaluation to implementation more quickly.‍
• Improved access to coverage: By meeting businesses where they already operate, embedded benefits make it easier to discover and adopt relevant plans.

Expanding how benefits are distributed

Embedded benefits also represent a broader shift in how insurance products are distributed.

Rather than relying solely on traditional processes and standalone systems, benefits are increasingly delivered through platforms that businesses already trust and use daily.

This creates new opportunities to:

• Reach businesses earlier in their decision-making process
• Reduce friction in adoption
• Improve overall access to coverage

Key takeaways

• Embedded benefits integrate coverage directly into existing business platforms
• This reduces administrative complexity and improves efficiency
• Partnerships like Beam and Clasp demonstrate how benefits can be delivered more seamlessly
• The model expands access to coverage while simplifying the overall experience

FAQ

What are embedded benefits?
Embedded benefits integrate insurance products directly into existing platforms or workflows, allowing businesses to access and enroll in coverage without leaving the systems they already use.

How do embedded benefits work?
They connect insurance products to platforms like payroll or HR systems, enabling businesses to quote, select, and manage benefits within a single workflow.

Why are embedded benefits important?
They reduce administrative burden, streamline workflows, and make it easier for businesses to access and implement coverage.

About Clasp

Clasp is the AI-powered benefits engine for brokers, payroll providers, and workforce platforms. Its fully embeddable infrastructure enables any software platform to offer enterprise-grade benefits, including medical, dental, vision, HSA/FSA, and COBRA, without building from scratch. With a full suite of integration capabilities, Clasp automates group setup, compliance monitoring, and enrollment management. Learn more at www.clasp.ai

About Beam

Beam Benefits is an employee benefits company helping small and midsize businesses offer better ancillary coverage with less complexity. Through a proprietary digital platform, Beam delivers dental, vision, life, disability, and supplemental health benefits designed to simplify quoting, enrollment, and administration for brokers and employers alike. By combining integrated products with technology that streamlines the quote-to-claim experience, Beam helps businesses offer high-quality benefits while reducing administrative burden. Learn more at www.beambenefits.com.