Conner DFL Agency

08/25/2026

What are brokers and agents supposed to do when the product we're asked to sell isn't getting any better?

Let's be honest.

Healthcare costs keep going up. Premiums rise. Deductibles rise. Out-of-pocket costs rise. And too often, the product we're expected to offer employers and employees becomes more expensive while feeling like less coverage.

As brokers and agents, we're caught in the middle. We're supposed to help our clients find the best solutions—but what happens when the traditional solution isn't solving the problem?

We decided to look for another answer.

Instead of replacing the coverage an employer already has—regardless of the carrier—we've been working with a team to develop an additional, voluntary benefit strategy designed to work alongside existing coverage, within the rules and requirements that govern these plans.

The goal is simple:

Create more value without simply asking the employer to spend more.
If properly designed and implemented, the strategy may help:

• Reduce certain employer payroll-tax costs
• Put additional value in employees' pockets
• Help offset some out-of-pocket healthcare expenses
• Complement—not replace—existing health coverage
• Give employers another tool to address rising benefit costs

And here's the important part:

Compliance comes first. No gimmicks. No magic loopholes. No promise that every employer will qualify or achieve the same results.

We believe the numbers should determine whether it works.

Because let's face it—the other players in the healthcare equation aren't exactly lining up to volunteer for lower margins. They're making money hand over fist while employers and employees continue to absorb the increases.

So maybe it's time to ask a different question:

What if an ounce of prevention really is worth a pound of savings?

What if instead of accepting higher costs as inevitable, we started looking at ways to make the dollars already being spent work harder?

That's what we're trying to do.

We're not promising to fix healthcare.

We're trying to give employers and employees another arrow in the quiver.

And sometimes, the best solution isn't replacing what you already have.

It's making what you already have work harder.

08/21/2026

What Is a Fiduciary—and Why Does It Matter?

When it comes to your money and benefits, shouldn’t your interests come first?

As an independent brokerage, we believe having options matters. We have multiple arrows in our quiver 🏹 because there isn't one solution that fits every client.

We also offer health-sharing options that may be worth considering for small businesses—especially those with fewer than 50 employees who struggle with the cost of traditional group health insurance.

Depending on the program, health sharing may provide support for medical needs, emergencies, dental and vision.

It may also be worth exploring for teachers and employees who are feeling the squeeze of rising healthcare costs.

Our job isn't to sell one solution. It's to help you explore your options and find what may make the most sense for your situation.

📞 Call or text today. Let's talk about your options.

Rising healthcare costs continue to make headlines.

Bloomberg recently reported that U.S. employers are bracing for the largest increase in employee health plan costs in 15 years. As healthcare costs continue to rise, many individuals and families are taking a closer look at all of their healthcare options.

One option many people don't realize exists is healthcare sharing.

Impact is a modern, nonprofit healthcare-sharing community built for people, not profits. Since launching in 2020, Impact has not implemented an across-the-board membership rate increase. Members also report saving an average of up to 50% per month compared to their previous healthcare option.* It's one reason thousands of members nationwide are spending less on healthcare and more time focused on what matters most—living well.

When it comes to your healthcare, the right choice looks different for everyone. We simply believe you deserve to know all of your options before you decide.

*Individual savings vary based on your current healthcare option and program selection. That's why Impact offers a complimentary, no-obligation custom quote to see your personalized membership pricing before enrollment.

08/20/2026

💰 What If Your Employee Benefits Could Do More Without Simply Costing You More?

Here's a question for the small and mid-sized business owner:

You already have a group health plan.

You already spend money on employee benefits.

You already have a broker.

So why would you even consider adding another benefit?

That's exactly the question I want to explore.

I'm not suggesting you replace your current health plan or throw out everything you've built.

I'm suggesting we take a second look at the numbers.

There are supplemental fixed indemnity strategies that, when properly structured and compliant, may be able to work alongside an existing benefits package.

Depending on the company's situation, there may be opportunities to:

✅ Add additional protection for employees
✅ Improve the overall value of the benefits package
✅ Explore potential tax advantages
✅ Potentially improve the economics for the employer
✅ Help employees better manage unexpected medical expenses
✅ Provide financial education that helps employees understand the benefits they're receiving

And no—I don't expect you to take my word for it.

Let's run the numbers.

If the numbers don't make sense, don't do it.

If they do make sense, then you've discovered an opportunity you may not have known existed.

That's what I do.

I help businesses look at their benefits from a different angle.

Sometimes the answer is changing something.

Sometimes it's adding something.

And sometimes it's discovering that what you're already doing is the best option.

But you'll never know until someone actually takes the time to look.

We can work with as little as 20 employees, but if you're a business owner with 50+ employees that's where savings are really visible. If you'd be interested in seeing whether your current benefits structure could potentially be improved, let's have a conversation.

No pressure.

No obligation.

Just a conversation and some numbers.

📊 You run your business.

Let me do the homework.

08/18/2026

🩺 Medical professionals — you spend your career taking care of everyone else. But who is taking care of your financial future?

I specifically work with physicians, nurses, dentists, therapists, practice owners, and other healthcare professionals who want to take a closer look at their retirement and income-protection strategies.

The question isn't always, “Is my retirement plan good?”

A better question is:

“Have I actually compared it to every option available to me?”

Your 401(k), 403(b), 457, pension, IRA, Social Security, insurance and other financial strategies all have different rules, risks, tax implications and opportunities.

I help medical professionals put the pieces side-by-side, identify potential gaps, and look for ways to create greater financial flexibility and protection.

And I've got a great place to start.

🎁 I've made a FREE retirement and wealth-building report available to you.

It covers strategies for building wealth, protecting your financial future, managing taxes, and creating more control over your money.

👉 Go here: https://findoutmorenow.com/ Free Retirement Report

When prompted for the referral/passcode, enter:

CC39

No obligation. No sales pitch required to get the information.

Just take a few minutes and see if there are ideas you haven't considered.

Because after years of working in healthcare, you shouldn't reach retirement only to discover that you never compared all of your options.

Your income is too important. Your retirement is too important. And you have too much at stake to simply assume the plan you're in is the best plan for you.

FREE 18-page Special Report, How to Safely Grow and Protect Your Wealth, Even When Stocks, Real Estate and Other Investments Tumble, and the Bank On Yourself Success Tips monthly Newsletter

08/13/2026

A Different Approach to Employee Benefit Cost Containment

What if employers could improve the value of their employee benefits without simply continuing to increase benefit costs?

That’s the conversation behind the indemnity strategy I’m working with.

For illustration, a 1,000-employee organization with 70% eligibility could potentially see significant financial impact through properly structured benefit and payroll-tax strategies.

One sample proposal illustrates:

💰 $2.6M in projected annual company savings

💵 $981 average annual take-home benefit per participating employee

But the bigger opportunity isn't just the number.

A properly designed strategy may help employers:

✅ Contain benefit and healthcare costs
✅ Potentially reduce certain payroll-tax expenses
✅ Put more value in employees’ pockets
✅ Reduce administrative burden
✅ Improve utilization of existing benefits
✅ Add meaningful employee support without simply adding another employer expense
✅ Create measurable financial value that may help offset rising benefit costs
✅ Keep compliance, documentation, and risk mitigation at the forefront

The goal isn't to cut benefits.

It’s to ask a better question:

“How can we get more value out of the benefit dollars we're already spending?”

That’s where cost containment becomes more than a buzzword.

It becomes a strategy.

If you're a CEO, CFO, HR leader, benefits advisor, or business owner looking at rising healthcare and employee benefit costs, I’d be happy to have a conversation and show you what the numbers could potentially look like for your organization.

Sometimes the best savings opportunity isn't spending less.
It's spending smarter.

Illustrations shown are examples/projections and are not guarantees of savings, tax treatment, participation, or employee outcomes. Actual results depend on plan design, eligibility, participation, compensation, and applicable laws and regulations. Tax and legal treatment should be reviewed with qualified professionals.

08/10/2026

How much longer are you going to complain about rising healthcare costs and taxes without exploring your options?

Many business owners assume increasing premiums and shrinking margins are simply the cost of doing business. They don't have to be.

There are fully compliant, legal strategies that may help:
✔ Keep more tax dollars in your business
✔ Put more money back into your employees' pockets
✔ Enhance your current health benefits without replacing your existing health plan
✔ Reduce administrative headaches while adding meaningful value for your team

Sometimes the best solution isn't changing your health plan—it's making your current plan work harder for you.

If you've never looked at a voluntary fixed indemnity strategy, now may be the right time to ask a simple question:

"Are we leaving money on the table?"

A 15-minute conversation may reveal opportunities you didn't know existed.

📩 [email protected]
📱 Direct Text: 806-853-6099

08/05/2026

Have you thought about your R.E.S.T. strategy?

Many successful business owners spend years building their companies—but far less time planning for what comes next.

At some point, every owner will transition out of their business. The question isn't if—it's whether you'll be prepared when that day comes.

That's where R.E.S.T. comes in:

R – Retirement
Will your business provide the retirement lifestyle you've worked so hard to achieve?

E – Estate
Have you structured your wealth so it transfers according to your wishes, while minimizing unnecessary costs and complexity?

S – Succession
Is there a clear plan for who will lead or own the business when you're ready to step away?

T – Taxes
Have you explored strategies that may help preserve more of what you've built for you, your family, or the next generation?

The most successful exits rarely happen by accident. They are the result of thoughtful planning long before retirement is on the horizon.

A simple conversation today can uncover opportunities, identify potential gaps, and help ensure that the legacy you've spent years creating continues on your terms.

If you're a business owner, CEO, or professional thinking about the future of your business, I'd be happy to have a conversation about your R.E.S.T. strategy.

07/31/2026

Are Your Health Insurance Premiums Going Up Again?

If you're an educator, you're probably feeling the impact of rising healthcare costs. Every year, it seems like premiums, deductibles, and out-of-pocket expenses continue to increase, putting more strain on family budgets.

What if there were additional fully federally compliant, tax-structured benefit options that could potentially help both school districts and employees maximize available tax advantages while providing another way to address healthcare costs?

There are strategies available that:

✅May help employers and employees take advantage of legal tax structures.
✅Can complement existing benefit offerings when appropriate.
✅Are designed to remain fully compliant with federal regulations.
✅May provide employees with additional healthcare options beyond traditional plans.

If you're an educator whose budget is feeling the squeeze, I also work with individuals to explore benefit options that may better fit their personal needs and financial goals.

For district administrators or school board members, there are broader conversations available about benefit strategies that may be worth evaluating. These discussions are more comprehensive and focus on overall benefit design, compliance, and long-term financial considerations.

If you'd like to have a private conversation about your personal options, my door is always open. And if you know someone involved in benefits or district leadership who would be willing to explore new ideas, I'd be happy to have that conversation as well.

Healthcare costs aren't getting any lower—but understanding your options is always a conversation waiting to happen.

Lubbock-Cooper ISD

07/24/2026

The future of employee benefits isn't about cutting corners—it's about staying fully compliant while providing more value. Things are evolving.

Many business owners assume the only way to combat rising healthcare costs is to reduce benefits or absorb higher premiums. That simply isn't the case anymore.

Today's benefit solutions have evolved. A fully compliant, fully insured fixed indemnity plan can be strategically layered alongside your existing major medical plan—or integrated into your overall employee benefits package—to enhance the employee experience while potentially reducing costs for both employers and employees when appropriately structured.

Compliance matters. That's why this solution is designed to work within today's regulatory framework and includes access to benefit tax experts who can help explain the taxability of fully insured fixed indemnity plans and the proper use of Section 125 savings strategies.

Imagine offering your employees benefits that allow them to:

📱 Access virtual urgent care and primary care from their phone
🧠 Receive virtual mental health support
💊 Take advantage of prescription savings
❤️ Monitor key health vitals using their smartphone
🤖 Utilize health guidance and navigation to better understand their benefits

Instead of wasting valuable time navigating unnecessary obstacles in healthcare, your employees can spend more time focused on what matters most—their health, their families, and their work.

For employers, this may mean:
✔ A fully compliant benefits strategy
✔ Potential payroll tax savings through properly structured Section 125 plans
✔ A more attractive employee benefits package
✔ Better employee engagement and access to care
✔ Opportunities to help employees keep more of their hard-earned money

This isn't about replacing your health plan—it's about enhancing it with a compliant, innovative solution that works alongside your existing coverage.

When compliance, technology, convenience, and tax efficiency come together, everyone benefits.

That's a true win-win.

If you'd like to learn how a fully compliant fixed indemnity strategy could fit into your company's benefits package, let's talk. Every business is different, and I'd be happy to show you how this solution may help your organization while staying within today's compliance guidelines.

05/01/2026

Most teachers think their pension will take care of retirement.
For most… it won’t.

Here’s what many educators don’t realize until it’s too late:

👉 Your pension is a foundation — not a finish line.

Most pensions replace about 50–60% of your income.
But maintaining your lifestyle? That often takes closer to 80%.

That gap is where problems start.

And your district life insurance?

➡ Often around 1x your salary (sometimes more, but rarely enough on its own)

For the family you’ve spent a lifetime building…
That’s not enough. Not even close.

No one really explains this clearly.
So most people don’t find out until it’s too late.

That’s exactly why we do what we do.

We help educators:
✔ Understand their pension
✔ Protect their family the right way
✔ Build additional income streams
✔ Close the gap — before retirement hits

No pressure. No jargon. Just clarity.

You’ve spent your career investing in everyone else.
It’s time to protect yours.

——
READY TO SEE WHERE YOU REALLY STAND?
📲 (806) 853-6099
📩 [email protected]