The Ancillary Advantage Stack

A smarter way to position ancillary benefits for the groups you already serve.

Stone Hill helps brokers and partners lead with workforce support, build everyday value, layer in cash protection, and present a cleaner ancillary story that is easier for employers to understand and easier for brokers to sell.

Built for brokers, advisors, boutique payroll firms, smaller PEOs, and strategic referral partners who want a stronger ancillary strategy without creating more internal drag.
Why the model works

More than products. A structured ancillary strategy.

Most firms can access products. Far fewer can position ancillary benefits in a sequence that actually makes sense to employers. Stone Hill brings together stronger positioning, cleaner stack design, practical support, and backend execution so partners can lead a more differentiated market conversation.

Stronger employer story

Move beyond disconnected product discussions with a cleaner, more strategic ancillary narrative.

Better stack sequencing

Present the right categories in the right order so the package feels intentional instead of pieced together.

Support that reduces drag

Lean on Stone Hill for case support, implementation guidance, and execution help while you stay client-facing.

The ancillary advantage stack

One stack. One strategy. A clearer way to position ancillary benefits.

Stone Hill structures the stack by employer need and employee relevance, not by random product order. That makes the story easier to explain, easier to buy, and easier to scale across your client relationships.

01

Workforce Support & Mental Health

Lead with support, culture, and employer relevance.

02

Everyday Care

Build easy-to-understand employee value with familiar benefits.

03

Event Protection

Close the financial gap around unexpected medical events.

04

Income & Family Protection

Protect the paycheck and the household once the core story is established.

05

Lifestyle & Household Protection

Round out the package with modern, optional household and lifestyle value.

Start where the opportunity starts

Different client pain points. One consistent stack.

You do not need a different strategy for every employer conversation. You need the right opening angle and a consistent framework to bring the rest of the stack behind it.

EAP / workforce support

Open with support, wellbeing, mental health access, and workforce stability.

HDHP pressure

Move from deductible shock to cash-buffer benefits that make the medical plan feel safer.

Retention & perceived value

Strengthen the employer story with more relevant support and visible employee value.

Cleaner employer education

Reduce confusion by presenting ancillary benefits in a more disciplined order.

Household differentiation

Add identity, pet, and related lifestyle layers after the core stack is established.

How the partner model works

A simple structure built to make you more valuable to your clients.

You stay at the center of the relationship. Stone Hill helps support the strategy, stack design, and execution behind the scenes so the employer experience feels stronger and the process feels cleaner.

01

You bring the relationship

You stay in front of the client and maintain ownership of the advisory relationship.

02

We help build the stack

We help evaluate fit, shape the ancillary story, align categories, and support the case with practical market strategy.

03

Together, we help win and retain clients

With stronger positioning, smoother implementation support, and a cleaner ancillary strategy, you create more value across the relationship.

What partners gain

A stronger position in the market—without building more internal complexity.

Stone Hill helps partners expand their value to clients while reducing the friction that often comes with ancillary strategy, education, and implementation.

More differentiated client conversations

Move beyond quoting and product access with a stronger strategic story.

A cleaner ancillary framework

Offer a more coordinated stack instead of a disconnected set of products.

Better support behind the scenes

Lean on experienced case support, enrollment guidance, and execution help when it matters most.

A more scalable partner model

Create more value across client relationships without expanding internal operational burden.

Who it’s built for

Built for partners who want to create more client value—not just offer more products.

Stone Hill is built for relationship-driven organizations that want to strengthen client value, improve ancillary positioning, and offer a cleaner employer story without building more internal complexity.

Independent Brokers & Advisors

Partners who want a stronger ancillary strategy and a more differentiated employer conversation.

Boutique Payroll Firms

Firms looking to expand employer value without building internal insurance infrastructure.

Smaller PEOs

Organizations that want a more complete ancillary model to support retention and client growth.

Strategic Referral Partners

Relationship-driven partners looking for a stronger framework to support opportunities in the small-group market.

What makes the model different

The difference isn’t just access—it’s how the stack is built and supported.

Most partners can access products. Far fewer can offer a coordinated ancillary strategy supported by stronger positioning, practical execution, and a cleaner delivery model.

Typical open-market approach

Disconnected categories

Benefits are often sourced one line at a time without a unified strategy behind them.

Weaker positioning

Partners end up selling product access instead of a stronger employer strategy.

More friction

Education, implementation, and execution can create more drag than the opportunity should require.

Limited support

Many partners are left to carry the strategy, structure, and client burden on their own.

Stone Hill advantage

Coordinated stack framework

Stone Hill brings structure to the ancillary conversation with a more cohesive, partner-ready model.

Stronger market story

Partners gain a more differentiated strategy to position in the small-group market.

Cleaner delivery model

Stone Hill reduces friction with practical support around strategy, education, enrollment, and execution.

Real support behind the scenes

You stay client-facing while Stone Hill strengthens the stack and support structure behind the relationship.

Practical support across the relationship

Support where it matters most.

Stone Hill is built to support partners beyond the first conversation—with practical guidance that helps opportunities move more smoothly from stack design through execution.

01

Case design & opportunity review

Practical support in evaluating fit, shaping the opportunity, and helping position the right stack.

02

Enrollment & implementation support

Support that helps reduce friction during rollout, enrollment, and the practical realities of getting the case across the finish line.

03

Ongoing relationship support

A partner model built to help strengthen long-term value, not just the initial opportunity.

Ready to explore the ancillary advantage stack?

See the stack. Review the pricing. Use Stone Hill to build the right strategy behind it.

Stone Hill helps partners create more value across ancillary strategy, employer education, enrollment, and client retention—without adding unnecessary complexity.

Prefer a direct conversation? Connect with the Stone Hill team to review partner fit, current opportunities, and the best way to use the stack with your market.
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