ContinuousHealth is a technology-enabled services company that provides assistance in understanding health insurance. We provide technology and insurance brokerage services to employers, employees and individuals. This disclosure notice is intended to identify the various methods by which we are compensated and how these compensation methods are determined.

Primary Compensation as a Technology Services Company

Our primary source of revenue comes from the delivery of technology to businesses and individuals. Contractual arrangements vary according to the project but may include annual license fees, monthly license fees, one-time charges and recurring charges. Access to ContinuousHealth technology is controlled through licensing agreements with our clients.

Industry Compensation Methods Described

In addition to the revenue ContinuousHealth receives as a technology supplier we may, from time to time, receive compensation as a licensed insurance agent. As a practical matter broker (agent) compensation falls into one of three categories: commission, contingency payments and fees. In some circumstances, broker compensation may be a combination of commission and fee based revenue.

Commission

The principal source of revenue for most insurance brokers result from a commission paid by insurance carriers based on the type of coverage and amount of premium. Commission expense is built into the premium charged by the carrier and paid by an insured. Whether premiums are remitted directly to the carrier or to the broker, who in turn remits a net payment to the carrier, the earned commission is a specific percentage of premium. Agreements between brokers and carriers vary so certain brokers may earn a higher rate of commission than others.

Contingents

Often referred to as "contingencies" or "profit sharing" these fees are based on the performance of the broker's "book of business" with the carrier during any given year. Year-end reconciliation takes into account premium growth and retention with loss experience (not of a single client but the book of business overall) often being the most sensitive factor in determining the amount of contingent (profit sharing) compensation. Such agreements are fairly commonplace among agents & brokers.

Fees

As discussed above, ContinuousHealth may bill fees for access to our technology and assistance with the use of that technology. Additionally, we may provide other services which result in fees for Employers.

We assure every client and every prospective client that our decisions with respect to placement of your insurance have always been and will continue to be guided by the best interests of our clients.

If you have any questions or if you would like additional information about any aspect of the compensation we earn on your account, please contact your account representative or:

Eric T. Helman
Founder and CEO
ContinuousHealth, LLC
770-397-0070
ehelman@continuoushealth.com