20 Personalized Benefits to Consider
By offering a diverse, hyper-personalized benefits portfolio, brokers can differentiate themselves, attract new business, and deepen existing client relationships. Brokers should curate a portfolio that balances traditional and emerging benefits, helping clients stand out in a competitive job market. Here are few examples of emerging benefits offering worth exploring:
Financial Wellness & Security
Smart money moves for every stage of life.
From debt relief to savings and protection, these benefits help employees build confidence and financial stability.
Health & Wellness
Support that goes beyond the basics.
These benefits focus on whole-person health—physical, mental, and everything in between.
Work-Life Balance
Because life doesn’t pause at the office door.
Flexible, feel-good perks that help employees rest, recharge, and grow—on their terms.
Financial Wellness & Security
Help employees build stability today—and confidence for tomorrow.
From managing everyday expenses to planning for long-term goals, financial wellness is no longer just a perk—it’s a must-have. These benefits are designed to support employees through every stage of their financial journey, whether they’re tackling student loans, preparing for retirement, or saving for emergencies.
Explore flexible, high-impact options brokers and employers can bring to the table to boost retention, reduce stress, and create a more financially resilient workforce.
Hybrid Life / Long-term Care Insurance Products
Student Loan Repayment Matching
Employers match student loan payments just like they match 401(k) contributions.
Caregiving Concierge Services
Personalized help finding childcare, eldercare, and in-home support.
Emergency Savings Programs
Payroll-linked savings programs to help employees build financial security without effort.
Financial Wellness Subscriptions
Access to AI-driven financial advisors, debt reduction tools, and investment coaching.
Identity Theft
Protection
Covers credit monitoring, fraud alerts, and resolution support.
Automated Financial Nudges & Goal Tracking
AI-driven savings and budgeting tools that adjust based on spending habits.
Pet Care
Support
Pet insurance or stipends for grooming, dog-walking, pet-sitting, and veterinary telemedicine.
Legal Assistance
Stipends
Covers estate planning, contract review, and even prepaid, flat-fee access to attorneys for common legal needs.
Health & Wellness
Personalized care for every body—and every mind.
Today’s employees want more than insurance—they want support for their total well-being. These benefits go beyond the basics, offering holistic health solutions that meet people where they are, from mental health and sleep support to family-building and preventive care.
Whether your clients are looking to reduce burnout, improve productivity, or simply show their people they care, these benefits help create a healthier, happier workforce that feels seen and supported.
Metabolic, Hormonal & Longevity Health Plans
Personalized nutrition, hormone therapy, telehealth coaching, and metabolic health programs aimed at improving long-term wellness.
Sleep Health
Programs
Personalized sleep coaching, cognitive behavioral therapy for insomnia (CBT-I), and sleep-tracking wearable integrations.
Mental Health Stipends & Therapy Subscriptions
Coverage for non-traditional therapy options like digital coaching, guided psychedelics therapy, or mindfulness retreats.
Reproductive & Family-Building Benefits
Expanding beyond fertility to cover egg freezing, sperm storage, surrogacy support, and LGBTQ+ family planning.
Substance Abuse & Recovery Support
Confidential treatment options, virtual rehab, and workplace recovery coaching.
Work-Life Balance
Because great work starts with a life that works.
Today’s employees are looking for more than just a paycheck—they’re looking for employers who respect their time, support their goals, and make room for real life. These benefits are designed to help employees recharge, grow, and manage the day-to-day, whether that means taking a sabbatical, learning a new skill, or getting help with errands.
For brokers, these flexible perks are powerful tools to help clients boost retention, fight burnout, and create cultures where people thrive—in and out of the office.
Lifestyle Spending Accounts (LSAs)
Employees receive flexible stipends that can be used for fitness, wellness, hobbies, entertainment, travel, or professional growth.
Sabbatical & Paid Recharge Leave
Extended paid leave after 5+ years of service for personal growth, travel, or education.
Microlearning & AI-Powered Coaching
Personalized, on-demand career coaching to help employees reskill and upskill.
Wearable-Integrated Wellness Plans
Employers fund wellness stipends based on employees meeting movement or sleep goals tracked via wearables.
Personalized Commuter Benefits
Flexibility to choose EV charging, public transport, bike reimbursements, or rideshares instead of just a parking pass.
Concierge Services
Personal concierge services for errands, travel booking, meal delivery, and home management.
Want to turn these ideas into a client-winning strategy?
Download The Broker’s Guide to Hyper-Personalized Benefits for 10 ways to help your clients attract talent, boost engagement, and personalize like a pro.
For brokers, these flexible perks are powerful tools to help clients boost retention, fight burnout, and create cultures where people thrive—in and out of the office.
