An add-on product you can sell to the clients you already have
MemberPerkClub is a savings membership that insurance agents and brokers resell under their own agency name. You buy each membership for $12 and set your own price, up to the $149 public price. The difference is yours, collected the day you sell it, not months later when a carrier pays commission.
What an ancillary product is
An ancillary product, sometimes called an add-on product, is something an agency sells alongside insurance that isn't insurance itself. Roadside plans, identity-theft services and discount memberships all fall in this group.
Agencies add one for a plain reason. The hardest part of any sale is finding the buyer, and your client list is already full of them. An add-on gives you something new to offer people who already trust you, without buying a single lead.
How the margin works
You charge
$29
You keep $17
You charge
$49
You keep $37
You charge
$99
You keep $87
- You pay $12 per membership. That's the whole cost. There's no sign-up fee, monthly fee or minimum.
- You choose what your client pays, anywhere up to $149.
- Your client pays you directly. We never bill your client and never see what you charged.
- Each membership runs one year. Nothing renews on its own. We email you 30 days and 7 days before it ends, and you decide whether to renew for another $12.
There's no commission to track and no carrier split, because you set the margin yourself. Try your own numbers in the margin calculator.
Four places it fits in an agency's week
1. At renewal
You're already on the phone reviewing the policy. The membership is one more thing to offer, and it has nothing to do with the premium.
2. With commercial clients
Sixteen of the benefits are business tools: an AI answering service, call tracking, business texting, QuickBooks, a CRM, web hosting, LLC formation and a virtual mailbox. Small business owners use those every week.
3. Mid-year
Most agencies only call a client about a renewal or a rate change. A savings membership gives you a reason to call about something good.
4. With clients you've lost touch with
An offer that isn't a quote is an easier way to restart the conversation.
Planning to include the membership at no charge, or at a discount, as part of selling a policy? Check your state's rebating and inducement rules first. Many states limit the value of anything given in connection with an insurance sale.
What your clients get
A full year of membership, with your agency named as the provider every time they sign in.
Travel
Member rates on hotel rooms and rental cars, plus cruise shore excursions booked directly.
Business services
AI answering service, call tracking, business texting, phone systems, web hosting, QuickBooks, a CRM, virtual assistants, LLC formation and a virtual mailbox.
Money & identity
FICO score access, identity monitoring, DIY credit tools and online banking with Ally Bank.
Home & auto
Home warranty, pet medications and tires.
Health & personal
Supplements and vitamins, grooming, secure private email and a VPN.
Guides library
Practical home, budgeting and wellness guides, including printable checklists.
Why agencies find it easy to add
- It isn't insurance. It's a consumer savings membership, so there's no carrier appointment and no coverage to explain.
- Enrolling takes about a minute. Enter the client's name, email, phone and state. We email them their member number and a link to set a password.
- Your name stays in front of them. Every client sees your agency in their dashboard all year.
- Nothing to chase. One charge per membership, and no residual billing a year later.
Start in about five minutes
Open a free producer account, add a payment method once, and enroll your first client. The getting-started guide walks through each step.
Common questions
Is MemberPerkClub insurance?
No. It's a savings membership. There's no policy, premium or coverage.
Do I need a carrier appointment?
No. It isn't an insurance product.
What does a producer account cost?
Nothing. You pay $12 only when you enroll or renew a client.
How much can I charge my client?
Anything up to the $149 public price. You keep the difference.
Can I include it free with a policy?
Check your state's rebating and inducement rules before offering it at no charge or at a discount as part of an insurance sale.
Is there a volume plan?
A flat $295 monthly plan for up to 500 memberships a month is coming. Until then, each membership is $12.