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Support your clients with great benefits at rates that won’t increase for 24 months. To qualify, select dental + vision + employer-paid life (with all additional lines included) when you sign new groups with 2 to 99 employees.
Not available in all States
Terms & Conditions: 2025 Rate Guarantee Program
2-year rate guarantee applies to new dental, vision, and employer-paid life quotes received between 9/1/2025-12/31/2025 11:59pm EST. To qualify for the promotion, groups must not be currently enrolled with Beam or canceled within the past 12 months and have between 2-99 eligible employees. Groups must have a policy effective date between 10/1/2025-3/1/2026 to qualify for the rate guarantee. Program does not limit the number of quotes received or number of brokers within the same brokerage that may participate.
Valid in all states in which Beam sells employer-paid life insurance, including: Alabama, Arizona, Arkansas, California, Colorado, Delaware, District of Columbia, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming
2-year rate guarantee promotion not available in Alaska, Connecticut, Hawaii, Iowa, Maine, Massachusetts, Montana, Puerto Rico, Rhode Island, Vermont, Florida, and Washington
Rate is subject to change during rate guarantee period due to State or Federal law changes. Beam Benefits may suspend or terminate this offer at any time for any reason. Each rate guarantee is separate and independent from commission. Applies to single employer groups only. To be eligible for qualification and payment, the broker must be appropriately licensed and appointed and comply with all applicable laws and regulations, including, without limitation, those that apply to disclosure of compensation.
Please check with your Beam representative to see if you're eligible. The personal information collected, processed and used as part of the promotion will be used in accordance with Beam Benefit’s Privacy Policy, which is available for your review at https://www.beambenefits.com/legal/privacy-policy.
Time frame and details
Years 1 and 2: Beam will have an open enrollment period between years 1 and 2, the rates will remain the same.
For agent use only. Not intended for public distribution.
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). Group dental policy form number NDNGRP 2020 and group vision policy form number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, NH, NC, CT, ME and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. 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. 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). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is 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 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). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
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 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
Short-term disability and long-term disability insurance products are underwritten by Hartford Life and Accident Insurance Company and marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA).
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.TheHartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. The Hartford is not responsible and assumes no liability for administration of or payment of the dental and vision insurance products provided by Beam Benefits or their affiliates as described in the material. The Hartford receives compensation from Beam Benefits for the marketing of Dental and Vision products. © 2025 The Hartford
THE DISABILITY POLICY PROVIDES LIMITED BENEFITS. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: This Disability policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Disability Form Series Number includes GBD-1000, GBD-1200, or state equivalent. In Idaho, ID Form GBD-1000, GBD-1200
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