Let’s Get
“SiriusPoint”
About VB
Not much has changed in VB over the past 50 years… until now!
Brokers and enrollment firms are being asked to do more while absorbing costs the industry refuses to share.
As employer expectations rise, the voluntary benefits business model has remained largely unchanged. Brokers and enrollment firms continue to fund 100% of overhead and enrollment costs, while commissions stay flat and “technology credits” fall short. Dylan Direct was built to correct this imbalance — improving your economics without sacrificing products, billing, or claims administration, and strengthening your business’ long-term value.
Deliver more value to your clients!
Solution-Driven Experts:
What Does That Mean?
With nearly 50 years in the insurance industry—and more than 40 years of direct experience selling to consumers and employer groups—our perspective is grounded in real-world execution.
Since 2006, our team has conducted ongoing interviews with brokers, consultants, and consulting firms of all sizes. During COVID, we expanded this research at a time when many businesses were disrupted or temporarily shut down, providing unique insight into the operational and financial pressures facing the industry.
The findings from this work directly shaped the solutions we offer today. We are grateful to the hundreds of professionals who contributed their time and insights to this process.
The Facts About VB
Rising Employer Expectations
Employers now expect brokers and carriers to deliver broader, more comprehensive voluntary benefit programs. Active enrollment, whether onsite or via call centers, continues to drive higher participation, better employee understanding, and greater overall program value.
Inflation is Killing Your Bottom Line
Inflation has significantly increased the cost of enrollment, staffing, and operations. Yet compensation models across the industry have remained largely unchanged, placing growing financial pressure on brokers and agencies and shifting nearly all of the risk to the distribution side of the business.
Unstable Commission Structures
Commissions frequently fluctuate based on group size, rollover blocks, and ad hoc industry negotiations—a “let’s make a deal” approach that undermines consistency, predictability, and long-term profitability for brokers and enrollment organizations.
Technology Credits Falling Short
Technology credits do not come close to offsetting the rising costs of modern enrollment commitments, leaving brokers and enrollment firms to absorb the majority of these expenses.
Billing Administration Inefficiencies
Billing administration has remained a persistent industry weakness for decades. Despite its impact on employers and brokers alike, many carriers continue to treat billing as a secondary concern rather than a critical operational function.
Inconsistent Claims Management
Claims processing quality varies widely by carrier. While some systems operate efficiently, others create delays and confusion—placing additional service burdens on brokers and enrollment firms.
Employer-Sponsored VB
Through our partnership with SiriusPoint America Insurance Company, Dylan Direct supports employer-sponsored voluntary benefit programs where the employer is the policyholder. This model delivers group-based solutions that strengthen enrollment, increase participation, and improve long-term economics for brokers and agencies.
Non-Employer-Sponsored Carriers*
For organizations without a formal employer-employee relationship, this model enables group coverage through direct-bill carriers. It is ideal for associations, unions, credit unions, and similar groups seeking simple enrollment, guaranteed issue products, and broad access to voluntary benefits without employer sponsorship.
