General Agency
Wallit Benefits Commerce Network (BCN)
One Platform. Smarter Benefits. Happier Members.
Wallit is not just a General Agency, we’re a fully licensed, technology-driven partner and benefits commerce company. Serving brokers, enrollment firms, HCM/payroll providers, carriers, and product providers nationwide, we power core, wellness, and lifestyle benefits seamlessly in one platform.
Who We Serve
Demand Partners (Channel Distribution)
Brokers, enrollment firms, and HCM/payroll providers who deliver benefits solutions to employers.
Supply Partners (Product Providers)
Insurance carriers and benefits vendors offering core and lifestyle products integrated seamlessly.
Channel Distribution Partners
Brokerage & Enrollment Firms
Access national carriers, expand your product mix, and increase commissions with bundled core and lifestyle offerings — all managed in one platform.
HCM, Payroll & PEO Providers
Turn on embedded, white-labeled benefits without the operational burden. Wallit handles licensing, compliance, and administration for you.
Carriers & Product Vendors
Extend your reach via a multi-channel network and integrate directly into embedded experiences, wallets, and marketplaces.
Vertical Focus
Wallit focuses on two key verticals, delivered through our channel partners:
Affinity Groups
Associations & Unions launch digital-first member benefits with plug-and-play insurance and lifestyle perks with built-in monetization and engagement tools.
Employer Groups
Deliver flexible, modern benefits that fit today’s workforce from health plans to mental wellness to pet care — funded by stipends, payroll, or both.
Core Benefit Lines
Medical, Dental & Vision (Core Benefits)
Integrated group health plans with national and regional carriers, ACA‑compliant and flexible.
Supplemental Insurance
Voluntary Accident, Critical Illness, and Hospital Indemnity coverage to help offset unexpected medical costs.
Life & Disability Benefits
Group Life, Short-Term, and Long-Term Disability coverage with both employer-paid and voluntary options to protect income and provide peace of mind.
Property & Casualty (P&C)
Bundled P&C solutions via carrier partnerships for comprehensive protection.
Wellness Benefits
Programs and resources that support physical and mental well-being, driving healthier outcomes and greater engagement.
Lifestyle Benefits
Eye care, skin care, pet care, pharmacy discounts that enhance everyday life beyond traditional insurance.
Licensing & Nationwide Reach
Wallit is fully licensed in all 50 U.S. states as a General Agency, supporting core lines including medical, dental, vision, life, disability, and P&C such as auto, home, renters, pet and motorcycle insurance.
Funding & Reimbursement Flexibility
Benefits can be employer-funded, employer-paid, or voluntary. Wallit enables use stipends, card-linked wallets, and payroll deductions to support everything from core insurance coverage to wellness and lifestyle perks.
Supporting 1099 & Portable Models
Wallit delivers benefits for 1099 contractors, gig workers, and flexible workforce models. While our platform is designed for traditional employer groups, it also supports multi-employer and portable benefit structures. Some benefits, like major medical, can face challenges when applied to fragmented contractor populations, so thoughtful design is essential.
ERISA & Plan Sponsor Risk
As a licensed General Agency, Wallit manages licensing, carrier relationships, and compliance. When employers or platforms contribute to contractor benefits, the structure must be carefully designed to avoid ERISA oversight or reclassification of workers. We address these risks, but compliance depends on how the program is structured.
Navigating State-by-State Regulation
Wallit ensures compliance with state-specific rules governing portable benefits and contractor protections. While we provide national coverage, every benefit model must align with local regulations. Our team helps identify potential compliance issues before rollout.
Portability Requires Intentional Design
Wallit enables benefit portability through our infrastructure, but it requires intentional design. For benefits to transfer across platforms or employers, shared funding mechanisms, eligibility logic, and contribution tracking must be in place. We provide the tools, but the design needs to be deliberate.
Cost Allocation & Fairness
Wallit supports various funding models—employer-paid, worker-paid, voluntary, and stipend-based. Equitable allocation of costs and contributions is critical to the sustainability and fairness of any program. Our platform is flexible, but transparent planning ensures balanced outcomes.
Need Help Designing Portable Benefits or Multi-Class Programs?
We’ve partnered with companies in payroll, HCM, and marketplaces to design adaptable benefits solutions using our infrastructure. If you need assistance in structuring your program, we’re here to help.
“We’re not just an enrollment platform, we’re a General Agency and program manager with enrollment capabilities.”
General Agency FAQs
A General Agency acts as an intermediary between insurance carriers and distribution partners like brokers, agents, enrollment firms, and sometimes employers. GAs are typically licensed entities that provide services to streamline quoting, enrollment, onboarding, and ongoing support for a wide range of insurance products.
- Distribute insurance products (medical, dental, vision, life, disability, P&C, etc.)
- Provide quoting and enrollment tools
- Offer licensing and compliance support
- Handle carrier relationships
- Aggregate commissions or facilitate commission tracking
- Enable bundled or white-labeled benefit packages
- Support alternative funding mechanisms (e.g. defined contribution, stipends, wallets)
- Brokers & Agents: Giving them access to carrier relationships, tools, and products without needing direct appointments.
- Carriers: Extending their reach to new markets via trusted partners.
- Employers: Especially in embedded or white-labeled setups via channel partners (like HCMs, associations, or affinity groups).
- Technology Platforms: Helping integrate or embed insurance distribution into HCMs, payroll systems, or marketplaces.
Most platforms focus on one piece of the puzzle. Wallit is the infrastructure layer — a connected hub for the entire benefits ecosystem.
As a fully licensed General Agency, Wallit combines nationwide compliance with modern commerce infrastructure, enabling embedded benefits distribution across brokers, platforms, and partners. Through our Benefits Commerce Network (BCN), we integrate health, wealth, wellness, and lifestyle products across both supply and demand.
- White-Labeled Experience: Fully customize branding, product choices, member options, workflows, and features fit your needs.
- Shopping Cart & Order Management: Simplify multi-product, multi-carrier enrollments with one-click checkout, fraud detection, and seamless payment processing.
- Instant Enrollment: Fast, seamless member journeys from eligibility to activation.
- Direct API Connections: Plug-and-play access to 100+ products from 50+ carriers and product providers for easy distribution and engagement.
- Connected Ecosystem: Easily integrate HCMs, payroll systems, or marketplaces via APIs.
- Flexible Funding Options: Support employer-paid, employer-funded, voluntary benefits access via monthly stipends and payroll deductions.
- Comprehensive Product Mix: From medical plans to pet care and wellness perks—all on one platform.
- Commerce-First Model: Built-in tools to drive revenue and loyalty with tracking, engagement, and payments.
Wallit’s platform uses advanced AI to transform traditional benefits administration into dynamic, consumer-grade, personalized Benefits Commerce experiences.
- Personalized Policy Creation & Enrollment: Automates policy generation and enrollment by adapting to each member’s profile, accelerating timelines and improving accuracy.
- Dynamic Product Recommendations: Predictive AI algorithms deliver tailored benefit product suggestions based on age, location, preferences, and usage history, boosting engagement and conversions.
- Targeted Promotion Campaigns: Intelligent marketing optimizes timing, channels, and messaging to maximize visibility, drive engagement, and support benefit adoption.
Partner With Wallit
Whether you’re a broker, enrollment firm, HCM/payroll provider, Wallit helps you expand your benefits offerings and generate new, incremental revenue.