Chimienti &: Associates Insurance Services


Earn higher commissions.

With our proprietary supplemental insurance plans.

REDUCES employer group benefits premiums.

INCREASES employee voluntary benefits.

Solutions Plus+

"Major health carriers won’t mistake our supplemental insurance products for typical ‘wrap’ products."

Employers are nervous. They can’t afford one more dollar for health insurance. Employees are nervous, too. They fear getting an illness with a high deductible plan and coinsurance.

As an insurance broker, you can now help your clients and grow your business with our exclusive Solutions Plus+ plan — a package of truly unique and proven supplemental insurance plans.

With Solutions Plus+, your clients typically will save anywhere from 6% to 12% or more on their group benefits plan.

Major health carriers won’t mistake our products for typical “wrap” voluntary benefits either. That’s because the Solution Plus+ products are designed, filed, and accepted as “supplemental insurance” in 92% of the states.

These products are not affected by Healthcare Reform, so they help employers round out whatever major group benefits program they select.

Solutions Plus+ supplemental insurance packages can be customized. As a worksite MGA, Chimienti & Associates knows the market thoroughly and can build the perfect package for both you and your client.

In addition, these products provide an opportunity for you to develop new clients or to provide new voluntary benefits products to existing clients.

Solutions Plus+ features a package of three products, which Chimienti & Associates has carefully developed:

  1. Step 1: Solutions Plus+ Gap
  2. Step 2: Solutions Plus+ Critical Illness
  3. Step 3: Solutions Plus+ Accident

Together with an underlying medical plan, Solutions Plus+ empowers employers to offer richer health benefits to all of their employees.

While Chimienti & Associates is not an enrollment company, as a full-service MGA for worksite we do offer enrollment resources and support. Our benefits counselors are paid on a per diem basis rather than commission. Once you’ve sold a Solutions Plus+ plan, you can count on us year-after-year for ongoing service and support. We’re with you every step of the way to provide assistance so that you can service your clients well.

Solutions Plus+ Highlights

  • Generates substantially higher commissions. No long chain of middlemen.

  • Increases and diversifies your block of business.

  • Protects against other agents accessing your clients.

  • Prevents your clients from purchasing inferior voluntary benefits products.

  • Prevents your clients from asking you to clean up after another agent’s mess.

  • Immediately reduces your clients’ group benefits costs.

  • Provides equal or more group benefits for your clients’ employees.

  • Stabilizes payroll deductions of employees’ premium contributions.

  • Maintains carrier and PPO networks for multiple years.

  • Provides cash for employees in their time of need.

  • Offsets employees’ out-of-pocket expenses related to higher deductible plans.

  • Improves employee satisfaction and retention.

  • Establishes a multiple-year strategy to manage group benefits costs.

  • Provides easy census enrollment options and enrollment support.

  • Includes comprehensive enrollment options: employee self-serve, call center, agent-assisted, and Internet.

“I strongly recommend Chimienti & Associates. They have a great team. Great support. Toney Chimienti is the consummate professional in every possible manner. I have worked with him since 1990 when I was CEO of Transamerica's worksite company, and since 2005 as a founding member of National Benefit Partners.Toney and his company are among the best in the industry when it comes to business knowledge, attention to detail, and customer service.”

Dan Jund, Chairman and Co-Founder, National Benefit Partners