A national health & welfare trust · Florida, USA
Group benefits, built for the way America works now.
L&S Trust brings employers, brokers, and carriers under one national trust — carrier-backed insurance, modern wellness bundles, and a single enterprise platform that runs everything from enrollment to commissions.
Why a trust, not fifty filings.
Group benefits were designed for one employer, one state, one W-2. The modern workforce isn't. A trust replaces the state-by-state maze with a single national structure that employers join and carriers plug into.
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One national structure
A single multiple-employer trust that employers, associations, and PEOs join once — instead of building and filing plans state by state.
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Centralized compliance
Plan governance, documents, and filings are handled at the Trust level, so every group underneath inherits a compliant framework from day one.
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Faster carrier go-to-market
Carriers launch products through the Trust and gain immediate national reach — one contract, fifty states, no incremental infrastructure.
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Distribution built in
Brokers, agencies, and PEOs write business on the Trust's structure, with group-rated pricing that reaches W-2 and 1099 workers alike.
Your entire book of business. One system.
Most agencies run enrollment in one tool, billing in another, and commissions in a spreadsheet. Everyone selling on L&S Trust works from a single enterprise platform that carries a policy from first quote to paid commission.
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Enrollment & eligibility
Digital enrollment for groups and individuals — self-serve or agent-assisted, with or without a census.
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Groups & employers
Every employer, employee, and dependent tracked from onboarding through renewal.
- 03
Members & plans
A live view of each member's elections, riders, dependents, and effective dates.
- 04
Billing & remittance
Automated invoicing, contribution logic, and premium remittance to every carrier.
- 05
Claims
Claims intake and status in one place, connected to carrier data feeds.
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Commissions
Hierarchy-aware commission tracking for agencies and every downstream agent.
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Compliance
Multi-state controls built into the workflow — not bolted on afterward.
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Reporting & CRM
Carrier feeds, analytics, and a CRM for the entire distribution chain.
Dedicated portals for brokers, employers, and members — with carrier data feeds and API integrations underneath. No screenshots here on purpose: it's better in person.
Request a live walkthroughCarrier-backed plans. Bundled like products people actually want.
- Dental & VisionGroup and individual solutions, available nationwide.
- Life & DisabilityTerm life, permanent life, and income protection.
- Accident & Critical IllnessCash benefits paid directly to members when it matters.
- Hospital IndemnityFixed benefits for admissions, stays, and procedures.
- Permanent Life + Long-Term CareLifetime protection with long-term-care riders.
- COBRA AlternativeGroup-rated coverage after job separation — without the premium shock.
- Expat Group HealthU.S. group coverage for inbound expatriates and global mobility programs.
Bundled by design
Every traditional plan on the Trust can ship with modern add-ons — sold together, billed together, managed together.
- Wellness & fitnessDigital wellness plus 20,000+ participating fitness partners nationwide, powered by Aaptiv.
- Rx savingsThe white-labeled Trust Rx card, in partnership with Capital Rx — 1,000+ generic medications.
- Cyber & identity protectionCybersecurity plans and identity-theft protection for members and their families.
- Preventive screeningAI-assisted blood analytics across 25 biomarkers for early detection and chronic-disease management.
- GLP-1 & peptide ridersPhysician-monitored access through U.S.-certified compound pharmacy programs.
Backed by carriers you already know.
Products on the Trust are underwritten by established national carriers — so members get names they recognize, and brokers get paper they can stand behind.
- MetLifeDental, vision, and voluntary benefits nationwide — with access to both individual and group solutions.
- VSPEssential, Brilliance, Premium, and Platinum vision plans, with sheet rates in all 50 states.
- EquitableAccident, critical illness, hospital indemnity, and life insurance.
- Sun LifeStop-loss coverage supporting the Trust's group programs.
Alongside specialty partners across pharmacy, wellness, and identity protection — including Capital Rx and Aaptiv.
Built for the people who build books.
Brokers & agencies
A platform-first home for your book — and commissions you can actually see.
PEOs
One master structure for every client, in every state.
Associations & affinity groups
Group-rated benefits your members can't get on their own.
Multi-state employers
From 2 to 500 lives — one enrollment, zero state-by-state filings.
Independent & 1099 workforces
Group buying power for the people who work without a group.
Expats working in the U.S.
Carrier-backed coverage for inbound international teams.
Ryan Nuckols
Founder & Managing Trustee
Ryan founded L&S Trust on a simple observation: the American workforce changed, and benefits distribution didn't. Group coverage still assumes one employer, one state, and one W-2 — while the people who need it most now work across all three.
Under his stewardship, the Trust pairs established national carriers with a modern administration platform, so brokers and agents can bring big-employer benefits to everyone else — in every state, on one system.
Partnerships
Bring your book to the Trust.
Broker, agency, PEO, association, and carrier partnerships — tell us about your business and we'll show you how it runs on the Trust.