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Health Insurance Agents

Being an insurance agent can be fulfilling and create a ton of opportunities for you. It can also be a lot to manage. New hires and terminations to your customer’s group insurance plans, compliance, claims, payroll, the list goes on and on. There are so many boxes that need to be checked and lines that need to be connected leaving a lot of room for errors and making your life extremely stressful.

But what if you had a partner, who could help you make sure everything was in order and running smoothly? Harmony by SBAM, helps bring it all together. Our internal Harmony billing and enrollment team handles many of the administrative and customer service matters for you so you can concentrate on what’s important – your customers.

Agent Hall of Fame

Our best agents receive special recognition for supporting our sponsored insurance programs. Click through below and learn how you can qualify and the added benefits you and your agency receive.

Learn more.

Agent Sales Contest
You can earn extra cash for enrolling your customers with SBAM’s insurance program!

New business and new membership with January – March 2024 effective dates

1 Dearborn Life and/or Disability Group = 1 point
1 BCBSM and/or BCN Group = 1 point
1 COBRA administration Group = 1 point

The Agent of Record who enrolls the highest number of Groups will receive the following:
1st Place = $1,500
2nd Place = $1,000
3rd Place = $500

Brochures & Forms

Everything you need to enroll your customers in our Harmony HR, Insurance & Compliance products and services including Dearborn Life Insurance Company, COBRA administration, and Section 125 administration.

Brochures & Forms

Freshdesk Customer Care Portal

Freshdesk is SBAM’s new cloud-based customer service software that provides our members and their insurance agents with helpdesk support that includes smart automations that will help to get things done faster!

Simply create a login  and submit a ticket for any SBAM-related insurance billing and enrollment question.

Get Started Now!

Dearborn Life Insurance Company Group Life & Disability

Group life and disability insurance products from Dearborn Life Insurance Company, which are offered as Specialty Benefits in cooperation with Blue Cross Blue Shield of Michigan

If you are an agent who needs to become appointed with Dearborn Life Insurance Company, please complete the W9 form and Agent Appointment form.  Send both completed forms to and If you have any questions, please contact Linnea.

To receive a quote for SBAM sponsored Dearborn Life Insurance Company Group Life and Disability, please utilize our quoting tool or email the SBAM enrollment and billing team directly at

Learn more.

Summary Plan Descriptions

Your customer simply combines their basic plan information with the legal pages we provide and the SPD document is ready for distribution to all insured employees. Their company will be compliant with the rules and regulations of the DOL.

Learn more about SPDs

COBRA Administration

Your customer’s personal COBRA Coordinator sends all necessary letters and notifications, provides a monthly activity report and online access to their account, and collects premium payments from the COBRA-enrolled beneficiaries.

Learn more about COBRA
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Our affordable and flexible plans allow your small business customers to offer a complete medical, dental, vision, life and disability package that will save time and money while reducing the hassles of offering employee benefit plans.

Learn more about Insurance

Payroll & HR Solutions

Our partner, Ahola, connects your customer with isolved – the comprehensive solution that truly consolidates their payroll, HR, time and benefits enrollment. By bringing the essential functions of payroll and HR together in a unified technology, Ahola simplifies people management. All the critical functions are in one database so your customer no longer has to deal with exporting, importing or clunky integrations.

Learn more about Payroll

Flexible Spending Administration

With the cost of health insurance continuing to rise, most employers ask their employees to share in the cost of health insurance through premium sharing, deductibles and co-insurance.  With SBAM’s flexible benefit plan administration in place, both your customer and their employees save through tax-preferred methods.

Learn more about Administration

Ask an Expert

When your customers join SBAM as a Premium, VIP or Elite level member, they gain access to our Ask An Expert web portal for answers to all their Cybersecurity, HR and Legal Questions. Our partners, SensCy, American Society of Employers and Taylor English Law, are trusted experts that be relied on for accurate, timely information.

Learn more about Ask an Expert
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Billing & Enrollment

SBAM handles all of the billing and enrollment for our sponsored Blue Cross Blue Shield, Blue Care Network and Dearborn Life Insurance Company coverage through our internal Harmony team here in our Lansing office.

The SBAM Harmony enrollment and billing customer service team will assist you with quoting, new business, policies, amendments and cancellations, agent commissions, and field support. Your small group customers can contact us for help with all of their insurance needs.

If you are changing your customer’s existing Blue Cross or BCN coverage to an SBAM-sponsored small group health plan, you’ll need to submit a rollover letter to BCBSM through your online OneSource agent account.

Learn more about billing
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Workers’ Compensation

SBAM’s Accident Fund program provides an upfront 5% premium discount, and the program is dividend eligible. Dividend eligibility simply means that if the comparison of our premiums earned versus claims paid falls into the right range, then you get money back. We’re pleased to tell you that our enrolled members are receiving a 2% dividend payment this year!

The discounted workers’ compensation rates and dividend program available through Accident Fund is a great example of how SBAM, and the buying power of our thousands of members from across Michigan, can benefit your company. The savings you receive are well above the amount you pay for the cost of an SBAM annual membership.

Learn more about Accident Fund

Pooled Employer Retirement Plan

Take a look at our Pooled Employed Retirement Plan powered by TAG Resources, Transamerica, and Graystone Consulting, a business of Morgan Stanley.  The program is cost effective and outsources employer administration and liability.  We’ve negotiated exclusive savings for our members including:

  • Additional $500 annual credit for three years when a business establishes a retirement plan with automatic enrollment.
  • No initial set up fees.
  • Start up plans may be eligible for up to $5,000 tax credit to cover the TAG annual administrative fee (for 3 years).
Learn more about our PEP