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Group Division

BCBSIL Small Group Renewal Distribution Update:

The NEW Distribution Process starts with February 2022 small group renewals! BCBSIL will no longer be sending group renewals to brokers.  The renewals will now only be available for retrieval from the broker’s Blue Access for Producers Portal. Please use the link for any FAQs regarding the New distribution process.

The BCBSIL Group Zero Participation/Zero Contribution enrollment period is NOW Open through December 15th for a January 1st effective date!  This period is the only time BCBSIL relaxes the standard new group guidelines during the year - employers are not required to contribute to the group health plan and/or follow standard participation requirements. 

However, One-Life Groups – Can be written year-round!

Any group that meets the definition of a valid group, can be issued as a one-life group year-round:

  • Assuming they meet participation (70% after valid waivers)
    • $0/Zero is the exception
  • Underwriters validate 100% of the ownership for each group

If you have questions regarding your group’s validity, 📞 please call us!

Key Dates to Remember:

  • December 1st - Last day for January 1st plan changes & anniversary date changes
  • December 15th - Last day for January 15th plan changes & anniversary date changes

Individual/Medicare Division  

ACA Annual Open Enrollment (under 65 AEP) is NOW Open.  Act before December 15th, 2022 to ensure your clients health plan’s coverage begins effective January 1st, 2023.

Most uninsured individuals do not know the benefits of the Affordable Care Act, Advanced Premium Tax Credits (APTC) or the Cost Sharing Reductions (CSR's) which are funded with federal dollars as part of the ACA law. Yet, over 80% of applicants that go to the Federally Facilitated Marketplace in IL receive some sort of APTC and/or CSR's in the individual market! Complete your FFM certification and ensure you have all the options to provide your prospects the most comprehensive coverage for the lowest cost - taking into account Federal premium tax credits and Federal cost-sharing subsidies.

To complete the 2023 Plan Year FFM Certification:

Medicare/Individual Division

The 2023 MAPD/PDP Annual enrollment period is NOW OPEN to accept applications!

Remember, to be able to sell MAPD or PDP plans you must have a separate MAPD/PDP Certification.

This is the time of year your clients may enroll, disenroll or change MAPD and PDP plans for a January 1, 2023 effective date.

Fortunately, to sell Medicare Supplements all you need to maintain is a valid IL State Health Insurance License.

In the event that you have not completed the 2023 MAPD Certification and want to get MAPD (Part D) certified, here is both the BCBSIL discounted AHIP Certification and BCSIL Certification FAQ page. Remember, you must complete both the AHIP certification and the BCBSIL (HCSC) product certification to be deemed able to sell MAPD/PDP plans and recertify each year to continue to receive renewal commission for these plans.

We are here to help in any way that we can. If you have any questions, please call the Individual area queue phone number at 847-598-6006 and the next available representative will assist you.

LTC Division

NEW View the Mutual of Omaha LTC Cost of Care Study for great sales ideas!

ARTICLE - Not having long-term care insurance can be ‘the single biggest devastator’ of your financial plan

ARTICLE - The True Value of a Long Term Care Insurance plan. By: Ron Cohen

LTCi Personal Training

Ron Cohen, LTCP, Resource Brokerage’s specialist in Long Term Care insurance, is now offering a free sales training program that will train you on how to become a successful LTCi specialist. Very limited class sizes- I'm ready to know more.

Exciting News for all LTC certified brokers in IL!

The Illinois Partnership for Long Term Care Insurance is now live in IL

Life Division

Life Insurance Underwriting Update:

Currently, most carriers still have some temporary restrictions in place.  However, we are starting to notice these restrictions loosen; and carriers are offering coverage to more individuals than earlier this year.  Guidelines are still subject to change but if you have someone who has been declined or postponed, now may be an excellent time to revisit these cases (i.e. clients who would be higher rated or older individuals who tend to have more minor concerns).

Secondly, carriers have expanded their capabilities to underwrite cases without traditional exams typically using electronic applications.  As a broker of Resource Brokerage, you are able to access a tool called “iGO” which integrates with most of our Life carriers and products. This tool is the fastest way to get an application in front of an underwriter.  In addition, it not only allows you to take applications remotely using "DocuSign"-like functionality, but it GREATLY reduces the time spent taking applications by reducing data entry to one time per client.

Life Insurance Administration/Quoting Specialist

Resource Brokerage (RB) has been voted one of Illinois' Best Places to Work for over ten years. The RB team provides premier marketing, administrative and customer service support on behalf of numerous insurance companies to hundreds of licensed independent insurance agents throughout the nation. We have a small team, so everyone matters.

The Quoting Specialist is a support and marketing position for life, annuity, disability and long term care insurance. Some job duties include:

  • Receiving and processing requests for quotes/illustrations from independent agents/ brokers.
  • Discussing prospect details with agents to shop for the most competitive outlet.
  • Reviewing and analyzing physician statements for pertinent information, then summarizing and sending them to carrier underwriting departments to receive preliminary opinions.
  • Answering questions, explaining the application process, and providing other presale support.

I'd Like to know More

DI Division

Sales ideas to help you start the conversation with your clients:


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Resource Brokerage LLC
1501 East Woodfield Road, Ste 110e
Schaumburg, IL 60173
Toll Free: 1-800-605-7566
General Phone: (847) 605-1200


Phone: (847) 592-0941
Fax: (847) 605-1494


Phone: (847) 598-6006
Fax: (847) 605-1331

Life, Annuity, LTC, DI & CI

Phone: (847) 598-6005
Fax: (847) 619-9592


"I've been on both sides of the aisle - as a client and as a vendor. From my experiences I feel qualified to state that your product knowledge, training and sales expertise, and understanding of the client's needs were exceptional and invaluable to my selling success. Whenever I had questions (and there were many!) you responded very quickly and in many instances, gave me additional ideas that helped with the sale."

"I am looking forward to many, many additional sales with your help!"

"Great job prepping this case for us. I completed initial review on Thursday and have been able to approve this morning (4 business days) !"

About Us - Who We Are

Resource Brokerage is one of the Midwest’s leading brokerage general agencies providing brokers a choice of Group Benefits, Major Medical, Life, Annuities, DI, LTC and Linked Benefits all in one place. Brokers work with a team of dedicated professionals who specialize in the lines of business they support. These teams also constantly undergo training and education with a focus on credentials that mean the most to our industry. Our management team is led by seasoned industry professionals with true brokerage experience and the know-how to help get things done for our brokers.