ThreeFlow resources

Placing medical benefits doesn’t need to be manual or messy. Whether you're preparing for busy season or supporting a renewal mid-year, ThreeFlow makes it easy to quote and compare medical plans—so you can focus on helping clients make informed decisions.

Technology is changing fast, and benefit brokers are feeling it. AI is everywhere: on phones, in daily routines, and across the systems brokers rely on to run their business.

Benefits are a big deal. They impact everything from employee happiness to company costs, yet managing them can feel like a never-ending game of catch-up.

Right now, fiduciary duties are dominating industry conversations. Lawsuits, evolving regulations, and employer responsibilities are all top of mind.

Today’s modern brokers face increasing pressure to optimize workflows, reduce costs, and deliver greater value to clients. Increasing revenue is a reliable way to track profitability.

Selecting the right health insurance plan is one of the most important—and oftentimes daunting—financial decisions an employer can make.

As 2024 comes to a close, we’re proud to reflect on an incredible year of innovation and growth at ThreeFlow. With over 20 product updates released, we focused on enhancing our platform to better align with brokers' and carriers' workflows. Here are some of the highlights:

Benefits placement is becoming increasingly complex due to rising healthcare costs, stricter compliance requirements, and the growing number of point solutions available to employers. To stay competitive, brokerages must operate efficiently and deliver consistent, high-quality service across all regions.

In the world of benefits, relationships are everything. Brokers and carriers have long depended on these partnerships to deliver value to employers. However, as the industry evolves, brokers find themselves balancing two priorities: maintaining strong carrier relationships while modernizing outdated processes.

Paid leave is quickly becoming not only a critical focus for employers, but a topic of interest on the national stage, being discussed by politicians and lawmakers alike.

Benefits placement is becoming increasingly complex and continues to evolve—in this ecosystem, efficiency and visibility are everything.

For today’s insurance brokers, gone are the days of working in an industry that, despite being complex, was notoriously slow to change.

Business leaders today face a unique challenge as they grapple with how to leverage the power and potential of AI within their organizations.

In the highly competitive employee benefits industry, carriers spend more time with spreadsheets and data entry than differentiating themselves in the market. In a previous post, we discussed interoperability's potential to inform more intelligent business decisions. In this post, we dive deeper into one solution that can make this a reality: ThreeFlow Connect.

With the release of ChatGPT, it became clear that AI was real, here to stay, and would transform everything. But did that include group benefits? The group benefits industry has historically been slow to adopt new technology, often relying on outdated software and error-ridden manual workflows.

As several states implement paid leave programs to support employees during health or family absences, it's crucial to stay current.

During a recent webinar, our co-founder and COO, Richard Perrott, and director of partner integrations, Nick Carlson, discussed how ThreeFlow Connect enables even more efficiency in broker and carrier benefits placements.

As we turn the page to a new year, it’s the perfect time to reflect on the growth and achievements of ThreeFlow in 2023.

ThreeFlow CEO and co-founder, Ryan Sachtjen, was a panelist on a recent Insurtech Insights Webinar titled “How AI and Connectivity are Changing Insurer-Broker Collaboration”.

Stewardship meetings can benefit brokers and carriers by leveraging data insights to inform decision-making. Here are four ways to leverage data insights during stewardship meetings to drive more substantial broker and carrier relationships.

How many carriers should be invited to an RFP opportunity? Our industry wrestles with this question daily. Are four carriers enough? Is nine too many? Brokers operate on gut instinct rooted in their individual experiences. Some brokers shotgun the market. They send their clients to market every year and invite more carriers than needed out of fear of being undercut by another broker. Retaining your client base and managing relationships are both equally important. Striking a balance of these two priorities when conducting an RFP can be challenging without data.

The employee benefits industry normalizes stressed-out timelines, pushing brokers and carriers. The solution, however, can be simple: go to market earlier.

If you are in the market for new insurance software, you may find it difficult to ascertain what features are the most important to look for. Read on for the five most important things to consider when choosing new software.

With another year well underway, you likely have a to-do list that's already a mile long and are eager to check those items off. But have you taken a step back to incorporate learnings from last year's successes and challenges?

Insurance partnerships can last for years, even decades, and can become quite personal in nature. In order to be strong and effective, brokers and carriers alike build successful rapport and trust with one another to find the best outcome for both parties. 

With the busy season behind us and hopefully all implementation issues addressed, it’s time to talk strategy.

From underwriters to game designers and food enthusiasts, our Meet the Team series highlights the great people who make up ThreeFlow.

With an ever-growing to-do list, it takes time to keep up with one of the essential tasks of the new year: checking new policy documents and certificates of coverage and ensuring everything aligns with the sold policy and client expectations.

The new year is an exciting time in the employee benefits industry. Brokers and carriers dive back into renewals and new policy implementations while keeping their eyes on the possibilities of the year ahead. At ThreeFlow, we're delighted to kick off the new year alongside so many modern and innovative brokers and carriers. 

We talked about vision insurance with underwriting consultant Jesse Faulk. With over fifteen years of experience as a benefits consultant and underwriter, he’s well-versed in vision coverage and options.

Sometimes there are better ways to get it done than the way we've always done something. As the client experience team at ThreeFlow, we know firsthand the challenges that arise from outdated processes and inefficient workflows and the cost that they can have on a brokerage’s revenue. 

There’s a dire need for data in the employee benefits industry. And I’m not just saying this from a biased viewpoint as the data insights manager at ThreeFlow.

Building and maintaining a company culture that directs employees during times of incredible growth is challenging but critical to the success of your business.

ThreeFlow underwriting consultant Allina Verrillo details how to understand open enrollment and how to request that a carrier provide one for voluntary life.

You may frequently use spreadsheets to organize information and data. However, they no longer provide a competitive advantage in the ever-competitive insurance field.

From underwriters to game designers and food enthusiasts, our Meet the Team series highlights the great people who make up ThreeFlow.

We talked about life insurance with underwriting consultants Allina Verrillo, Jen DeMaria, and Nick Barker. With over eighteen years of combined experience as underwriters, they’re well-versed in life insurance coverage and options.

The employer benefits industry is incredibly complex and riddled with industry-specific terms and language. Understanding and properly using these terms can make all the difference in communicating effectively and clearly.

The term digital transformation has been in our vocabularies for many years now, but its meaning took on new importance for ThreeFlow last month when we reached a significant milestone: over $1 billion of premium under management.

Meet the executives who are leading innovation in the employee benefits industry in our Executive Spotlight series.

When brokers and carriers see ThreeFlow for the first time they say, "I can't believe this exists." After hearing a number of clients transition from "too good to be true" to "this has been good for our business,'' we are sharing some of the inspiring stories from our broker and carrier partners.

The group benefits space is complicated, especially for outsiders. As part of the design team at ThreeFlow, and an outsider myself, I know firsthand how difficult it can be to understand the insurance industry's nuances. Fortunately, what we lack in experience, we compensate for with curiosity. 

Managing insurance can be bogged down by administrative complexity and antiquated processes. Simplifying RFPs can speed up and improve the entire proposal process.

We talked with underwriting consultant Kyle Morrison to help us break down short-term disability (STD), and the ins and outs of STD coverage options.

The employer benefits industry hasn't been known for its technological innovations. Benefits brokers and insurance carriers use legacy systems that are complex and siloed. Most are still manually completing their work through aging processes. Leaders of ThreeFlow's engineering, product, and design (EPD) team are working to change that.

Before joining ThreeFlow, Lindsay was a Senior Sales Representative at a major insurance carrier, focusing on life and disability, leave management, supplemental health benefits, and cross-selling with major medical, prescription, and dental solutions.

Modern businesses are facing technology and information breaches at an alarming rate. According to one study, data breaches cost organizations nearly $4 million in 2020.

We talked with underwriting consultant Daniel Henry to help us break down dental insurance as part of ThreeFlow's benefit breakdown series.

Interoperability is a popular buzzword in the healthcare industry. The ability for unrelated systems to connect, access, and exchange data has opened up an abundance of opportunities, from improving patients' ability to share their health information to streamlining the pre-authorization process between providers and carriers.

Follow best practices during renewal season to create a more streamlined experience, leading to more accurate rates and better outcomes for your client.

In this post, we talked with underwriting consultant Jessica Imlay to help us break down worksite insurance. With almost ten years of insurance experience, she's well-versed in the nuances of worksite insurance.

From underwriters to game designers and food enthusiasts, we're a unique group of insurance experts and engineers developing advanced technology in what is currently an old and outdated industry. Meet the Team is our series highlighting the great people who make up ThreeFlow.

This shift from using general-use products towards building purpose-built products can provide cost savings and drive sustainable growth for the industry it serves.‍‍

From underwriters to game designers and food enthusiasts, we’re a unique group of insurance experts and engineers developing advanced technology in what is currently an old and outdated industry. Meet the Team is our series highlighting the great people who make up ThreeFlow.

Welcome to ThreeFlow’s benefit breakdown series, where we dive into the details of a coverage and discuss the most recent trends with the help of ThreeFlow’s data and benefits experts.

We've raised $45 million in Series B funding led by Accel, with participation from existing investors at Emergence Capital, Equal Ventures, and First Trust Capital Partners.

From underwriters to game designers and food enthusiasts, we’re a unique group of insurance experts and engineers developing advanced technology in what is currently an old and outdated industry. Meet the Team is our series highlighting the great people who make up ThreeFlow.

Underwriters often hold the keys to understanding the employee benefits industry. They assess demographics, industry, plan design, and claim history to determine the pricing, offer, and conditions of quotes submitted to brokers, which become deciding factors when employers choose their benefit plan.

Welcome to ThreeFlow's benefit breakdown series, where we dive into the details of a coverage and discuss the most recent trends with the help of ThreeFlow's data and benefits experts.

It’s still a virtual world for prospecting new clients. This can provide greater opportunities for shorter, more frequent interactions to prospect successfully.

From underwriters to game designers and food enthusiasts, we’re a unique group of insurance experts and engineers developing advanced technology in what is currently an old and outdated industry. Meet the Team is our series highlighting the great people who make up ThreeFlow.

From underwriters to game designers and food enthusiasts, we’re a unique group of insurance experts and developers creating advanced technology in what is currently an old and outdated industry. Meet the Team is a series highlighting the great people who make up ThreeFlow.

When it comes to buying, selling, and even managing employee benefits, an old adage hits too close to home: the only consistency is inconsistency. Today’s processes are not only entirely manual, but also managed through siloed systems. This is especially true when you’re placing insurance coverage.

We’re excited to share that WatchTower is now ThreeFlow! We connect people, systems, and information, making it easier for insurance carriers to win business and benefits brokers to empower employers to make better benefits decisions for their employees.