Benefit Signals review for insurance agents: data, pricing and permitted use
Benefit Signals finds employer groups near you from Form 5500 filings and ranks them by how likely they are to change brokers. It is built for benefits brokers.
The renewal date is the policy end date filed on Schedule A. Plans cost $60 a month with a free week to start.
- Best for
- Benefits brokers who want this year's renewals near them, ranked by how likely the group is to switch
- Data type
- Form 5500 group benefits data with switch signals
- Renewal date
- Filed Schedule A policy end date, to the day
- Lines
- Group health, dental, vision, life and disability
- Price
- $60 a month or $600 a year
- Delivery
- Web app only
- Trial or sample
- 7-day trial on monthly plans. Card required
Our take
Benefit Signals is a cheap way for a benefits broker to see which groups nearby renew soon and which look ready to switch. Each group shows the carrier, the current broker and often a decision maker.
The date is filed, but one employer can renew different lines at different times. Ask which line renews first.
It is a web app only, with no export or CRM link.
Pros
- Filed policy end dates, to the day
- Low monthly price with no per-record charges
- A published test of its switch ranking
- A free week on monthly plans
Cons
- No export, CRM link or API
- One date shown even when lines renew apart
- One user per account
- No refunds
Data sources and dates
| Source | What it gives you | How often it updates |
|---|---|---|
| Form 5500 and Schedule A filings | Employer, carrier, covered people, policy dates, commissions and broker | Added as filings land. Filings trail the plan year by seven months or more |
| SBA loans, IRS 990 filings and job posts | Signs that a business is growing, selling or changing | No schedule given |
| Licensed business contacts | Decision maker name, title, email and phone | Refreshed from time to time |
- Renewal date
- The Schedule A policy end date reported by the insurer
- How it's built
- Taken from the filing. The switch ranking is a separate model
- Groups with a filed date
- 85,788
One group can have several dates. Medical, dental, vision and life can each renew on their own date, and Benefit Signals gives no rule for which one it shows. Confirm the renewal in your first call.
Coverage
- Lines
- Group health, dental, vision, life, disability, drugs and stop loss
- Prospect type
- Employers that file Form 5500, plus a pool of small firms with only a retirement plan
- States
- All states, searched by ZIP code and radius
- Record count
- 85,931 employer groups
Counts on October 4, 2026. About 46,600 groups have a named decision maker, and the small business pool holds about 832,000 employers with no group health filing.
Fields, filters and sample
Fields you get
- Benefit type
- Broker of record
- Carrier
- Decision maker name, title, email and phone where known
- Employer group
- Group size
- Latest filing year
- Policy end date where filed
- Switch signal and the reason
Filters
- Carrier
- Current broker
- Group size
- Renewal window
- ZIP code and radius
Freshness and accuracy
- Update schedule
- New filings as they land. Labor Department files usually refresh near the first of each month
- Accuracy the vendor claims
- In a 2023 test, 38.2% of High groups had a winnable broker change the next year, about three times the 12.6% base rate. Most High groups still stayed put
- How it was measured
- A model trained on 2016 to 2022 filings and tested on 4,384 groups from 2023
Pricing, credits and exports
| Plan | Price | Billed | What you get | Users |
|---|---|---|---|---|
| Benefit SignalsMost brokers | $60 a month or $600 a year | Monthly or yearly | Renewal Radar and switch signals | 1 |
| All AccessBrokers who also sell retirement plans | $90 a month or $900 a year | Monthly or yearly | Adds FiduciarySignal for retirement plans | 1 |
Prices as of October 2026, from the Benefit Signals terms.
Good to know before you buy
- No per-record or pay-as-you-go charges.
- Yearly plans are charged in full at checkout and have no trial.
- Each account is for one person.
- Downloads and devices have limits that aren't posted.
Phone, email and Do Not Call
- Phone numbers
- Business numbers for decision makers where known
- Business email for decision makers where known
A phone or email field is not consent to call, text or email.
Permitted use
- How you may use it
- Your own work and reports for your clients
- How long
- While you subscribe
- Who can use it
- Only you. Accounts can't be shared
- Resale
- Not allowed, and you can't pull out the licensed contacts to share
Delivery and connections
Benefit Signals is a web app only. There is no CRM connection, API or export, so you copy what you need by hand.
Search, lists and alerts
- Territories
- Enter a ZIP code, set a radius and pick a renewal window
- Search
- Filter by area, group size, carrier or current broker
- Ranking
- Groups sorted by renewal date and switch signal, with the reason shown
Getting started
Start the trial
Seven days on a monthly plan. A card is charged on day 8 unless you cancel.
Search your territory
Enter your ZIP code, radius and renewal window.
Work the ranked list
Start with High signal groups and check the decision maker.
Confirm the renewal
Ask which line renews first.
Email support answers within two business days.
Contract and refunds
- Term
- Monthly or yearly
- Renewal
- Renews on its own until you cancel
- Canceling
- In the billing portal. Access lasts to the end of the paid period
- Refunds
- None unless the law requires one
- Terms
- Benefit Signals terms of service
From the Benefit Signals terms, checked in October 2026.
Benefit Signals alternatives
- Judy DiamondFrom $300 a state each yearDecision maker emails and Salesforce export files
- Benefeature$1,925 a seat each yearForm 5500 search with CRM sync
- BenefitFlowQuote onlyAdds commercial lines and CRM connections
- Zywave miEdgeQuote onlyBenefits, commercial and personal lines in one tool
See every option in insurance data providers.
Frequently asked questions
How much does Benefit Signals cost?
$60 a month or $600 a year. All Access, which adds FiduciarySignal, is $90 a month.
Is the Benefit Signals renewal date filed?
Yes. It is the policy end date the insurer reported on Schedule A, though separate lines can renew on different dates.
Can I export Benefit Signals data to my CRM?
No. It works only in the web app.
Does Benefit Signals have a free trial?
Yes, 7 days on a monthly plan with a card on file. Yearly plans have no trial.
Which areas does Benefit Signals cover?
The whole country. You search by ZIP code and radius.
How we researched this review. We based this review on the pricing, terms and product pages published by Benefit Signals, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Benefit Signals quit selling or a contract term that reads different now, let us know and send the link to the page where Benefit Signals has it. Somebody here pulls up that page and checks it before we change anything on ours.