Скачать или смотреть Marshmallows, Maturity & Level Funding | Why Long-Term Thinking Wins |

📍 Back in Kansas City at American Trust Administrators HQ — Tom Stein Jr. shares a philosophical (and surprisingly sticky-sweet) lesson on why maturity matters in level-funded plan design.

Whether you’re a new broker or a seasoned veteran, this video breaks down how delayed gratification and long-term plan thinking can deliver massive rewards — not just for your clients, but for your book of business.

🧠 In this episode:

What “maturity” means in both life and insurance

Why short-term savings often cost long-term value

The marshmallow test (yes, that one) applied to level-funded plans

How plan maturity timelines (19–25 months) impact cash flow and surplus

Why smart brokers avoid AG surrender traps, termination penalties & hidden confiscation

How to go from “benefits broker” to benefits partner with real surplus strategy

And most importantly: why refunds equal referrals

💥 If you’re tired of re-closing the same clients every year, this is your reminder: long-term thinking isn’t soft — it’s strategic.

📘 Want the full playbook for surplus-forward planning and long-term retention?
Grab The Noble Agent’s Guide to Level Funding by Tom Stein
👉 https://www.amazon.com/dp/B0DL4CTK56?...

💼 Need help designing plans that retain and refund?
ATA helps brokers build long-term relationships with:

Transparent, refund-generating plan structures

Custom quoting and surplus calculators

Real-world broker coaching (not fluff)
📩 Reach out to us anytime at [email protected]

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#LevelFunding #TomStein #ATA #MarshmallowTest #PlanMaturity #HealthInsuranceBroker #SelfFunding #SurplusRefunds #BrokerRetention #MainStreetMatters #NobleAgent

⚠️ Disclaimer: This video is for educational purposes only and does not constitute legal, tax, or insurance advice. Viewers should consult directly with a licensed insurance professional or benefits advisor for up-to-date and personalized guidance. American Trust Administrators (ATA) operates as an MGU/TPA administering level-funded and self-funded health plans on behalf of licensed carriers. All information in this content is for educational purposes only. Nothing here constitutes legal, financial, medical, actuarial, underwriting, or insurance advice.

Plan designs, underwriting decisions, rates, surplus availability, and renewal outcomes vary by carrier, stop-loss policy, network, state regulations, and the unique factors of each employer group. Surplus return is not guaranteed and applies only to qualifying plans as defined in each group’s governing agreements.

All coverage determinations, claims adjudication, and benefits administration are subject to the terms of the applicable plan document, stop-loss contract, carrier guidelines, and state and federal regulatory requirements. Examples, case studies, and illustrations may not reflect actual client results.

Brokers must be properly licensed in applicable states and remain responsible for compliance with all federal and state marketing, solicitation, disclosure, and consumer protection regulations. Always review the plan document, SBC, carrier instructions, and compliance guidance before presenting options to employers.

© American Trust Administrators. All rights reserved. Subject to change without notice.