Muneris Benefits
Muneris Benefits is an independent Virginia insurance brokerage serving small-business employers, individuals, and Medicare beneficiaries with group health, personal, and Medicare insurance products via commissioned carrier relationships.
- Company typePrivate
- Founded1990
- HeadquartersRoanoke, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Muneris Benefits does
Muneris Benefits, Inc. is an independent insurance brokerage incorporated in Virginia and operating continuously since 1990, with headquarters in Roanoke and a second office in Narrows. The firm serves three primary customer segments: Virginia small-business employers (as few as two employees), individuals and families, and Medicare beneficiaries. Its core product lines are Employee Benefits (group health, dental, vision, life, disability, retirement plans such as SEP/SIMPLE/401(k), HSA/HRA accounts, and HR/ACA/COBRA consulting), Personal Insurance (ACA marketplace plans, long-term care, disability, and life insurance), and Medicare Services (Parts A–D plus Medicare Supplement/Medigap). The firm also acts as a certified broker for the WiseChoice Healthcare Alliance, a Virginia Chamber of Commerce benefits consortium backed by Anthem Blue Cross Blue Shield that enables small businesses to access pooled group-health purchasing power.
The company's revenue model is commission-based: as an independent brokerage representing multiple carriers, Muneris earns commission on policies placed, with broker fees built into the premiums paid by clients (no separate fee charged to the customer). Pricing is quote-based and varies by carrier, plan type, employee demographics, and coverage level; small-group premiums in Virginia are reported in the range of approximately $656 to over $880 per employee per month. Go-to-market is sales-led and relationship-driven, combining direct phone outreach, website-driven inquiry, in-person consultations at both offices, content marketing via an Insights blog, and organic social presence on Facebook, Twitter, YouTube, and LinkedIn.
Underlying technology is described as a standard brokerage platform with no proprietary technology systems, APIs, SDKs, or AI/ML capabilities disclosed. The organization is small (1–10 employees), founder/owner-operated under President Burman S. Clark, and holds credentials including BBB Accreditation, Certified Senior Advisor, Registered Health Underwriter (Virginia Association of Health Underwriters), and WiseChoice certified broker status. No external investment, parent company, or M&A activity is referenced in the source material.
Muneris Benefits firmographics
Firmographics- Name
- Muneris Benefits
- Legal name
- Muneris Benefits, Inc.
- Website
- https://munerisbenefits.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Muneris Benefits is an independent Virginia insurance brokerage serving small-business employers, individuals, and Medicare beneficiaries with group health, personal, and Medicare insurance products via commissioned carrier relationships.
- Ownership category
- akta.pro rank
Muneris Benefits industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- International Benefits Administration & Global Benefits Brokerage (BPACAHAG)
- akta.pro secondary industries
- Basic Group Term Life (Employer-Paid) (FSAIADAA), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Group Universal Life (GUL) (FSAIADAC)
Keywords
Where Muneris Benefits is headquartered
LocationHeadquarters
- HQ city
- Roanoke
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Muneris Benefits business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D
Revenue model
- Insurance Brokerage Commissions: Muneris Benefits operates as an independent insurance broker earning commissions from insurance carriers. Broker fees are built into premiums, meaning customers pay nothing extra for working with a broker. The company represents all major carriers in Virginia and earns commission-based compensation from these carrier relationships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Small group health insurance premiums range from approximately $656 to over $880 per employee per month |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Muneris Benefits product offering
Product offeringCore offering
Muneris Benefits is an independent insurance brokerage that sells and services group employee benefits, individual and family insurance, and Medicare plans on behalf of multiple carriers. The firm earns commissions from carriers, with broker fees built into premiums, and provides advisory, quoting, enrollment, billing, and claims support to Virginia small businesses, individuals, families, and Medicare beneficiaries. Core product lines are Employee Benefits, Personal Insurance, and Medicare Services, supplemented by access to the WiseChoice Healthcare Alliance consortium.
Product overview
Muneris Benefits is an independent insurance brokerage serving Virginia since 1990. The company operates three core product lines: Employee Benefits (group health insurance and HR consulting for small businesses), Personal Insurance (individual and family health coverage, long term care, disability, and life insurance), and Medicare Services (Parts A, B, C, D, and supplements). The firm specializes in small business group coverage through traditional carriers and the WiseChoice Healthcare Alliance consortium, while also assisting individuals with ACA marketplace enrollment and Medicare transitions. Additional offerings include dental, vision, HSA/HRA accounts, and retirement planning products.
Differentiator
Problem solved
Functional benefit
Products and services
- Employee Benefits Comprehensive employee benefits packages for Virginia small businesses including group health insurance, dental, vision, retirement plans (SEP IRA, SIMPLE IRA, 401(k)), Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA), and HR consulting services covering ACA compliance, COBRA, and benefits education.
- Personal Insurance Individual and family insurance coverage including ACA marketplace health insurance, long-term care, disability insurance, and life insurance (term, whole life, universal life, indexed universal life) for Virginia residents.
- Medicare Services Medicare guidance and plan selection for individuals transitioning to Medicare, covering Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), Part D (prescription drug coverage), and Medicare Supplement (Medigap) plans.
- WiseChoice Healthcare Alliance A benefits consortium backed by the Virginia Chamber of Commerce and Anthem Blue Cross and Blue Shield that pools small Virginia businesses to access group health insurance purchasing power previously available only to large employers, offering competitive rates, stop-loss coverage, and flexible benefits.
- Virginia SHOP Marketplace Virginia's Small Business Health Options Program for small group coverage, enabling businesses with fewer than 25 employees and average salaries under $50,000 to access the Small Business Health Care Tax Credit.
- Health Insurance Subsidy Calculator Online calculator tool that estimates eligibility for Premium Tax Credits, CSR subsidies, Medicaid/CHIP, and projected healthcare costs based on income, age, and family size.
- Long-Term Care Insurance Coverage for care in nursing homes, home health care, or assistance with activities of daily living such as bathing, dressing, and eating.
- Disability Insurance Income replacement insurance that pays a portion of income when the insured is unable to work due to illness or injury, covering short-term and long-term disability.
- Life Insurance Coverage including term life insurance and permanent options such as whole life, universal life, indexed universal life, single premium whole life, and single premium universal life with cash value accumulation.
Quantifiable outcome
- Leadpoint Digital reduced premium increase from 28% to 7% through WiseChoice Healthcare Alliance
- +2 more outcomes
Companies that use Muneris Benefits
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Muneris Benefits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Muneris Benefits partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- WiseChoice Healthcare Alliance (Virginia Chamber of Commerce)coreThe WiseChoice Healthcare Alliance is a benefits consortium created by the Virginia Chamber of Commerce to give small businesses access to group health insurance purchasing power previously only available to large corporations. The program is backed by Anthem Blue Cross and Blue Shield and regulated by the Virginia Bureau of Insurance. Muneris is a certified WiseChoice broker.
- Anthem Blue Cross and Blue ShieldcoreAnthem provides the insurance backbone for the WiseChoice Healthcare Alliance program. Through this partnership, small businesses gain access to one of the largest healthcare networks in the country with stop-loss coverage and comprehensive Anthem health benefit options including medical, dental, vision, life, and disability plans.
Scale indicators3 records
Recent moves5 records
Expansion highlights3 records
Muneris Benefits competitors and assessment
Company assessmentEmerging players
- HealthCare.com: Digital-first insurance comparison and brokerage platform for individual and family health coverage (including ACA marketplace) — overlaps Muneris's personal insurance and Marketplace segment with a tech-enabled, lower-touch model.
Broad incumbents
- Brown & Brown: Large U.S. insurance brokerage distributing commercial, employee benefits, and personal lines through regional offices. Comparable products and independent-broker model, but operates at national scale.
- USI Insurance Services: Top-10 U.S. insurance brokerage serving mid-market and SMB employers with employee benefits and property/casualty solutions — overlapping product breadth and buyer profile to Muneris.
- Marsh McLennan Agency: National benefits and insurance brokerage arm of Marsh McLennan; competes for the same SMB and mid-market employer benefits buyer as Muneris but at substantially greater scale and carrier leverage.
- NFP (Aon): Property/casualty, benefits, and wealth-management brokerage with extensive U.S. footprint serving employer and individual clients; comparable product scope to Muneris across group health, life, and Medicare-adjacent lines.
Direct peers
- OneDigital: Large U.S. benefits and insurance brokerage serving small and mid-sized employers with group health, retirement, and HR consulting — directly comparable go-to-market and product mix to Muneris, but at significantly greater scale.
- Cottingham & Butler: Mid-Atlantic and Midwest insurance brokerage with strong employee benefits practice serving small and mid-sized employers — directly comparable to Muneris in client size and benefits focus.
- Hilb Group: Regional benefits and insurance brokerage focused on small-to-mid employer clients across the Mid-Atlantic and Southeast, including Virginia. Closely mirrors Muneris's independent, multi-carrier broker model.
- Burnham Benefits Insurance Services: Independent employee benefits brokerage serving employer clients with group health, life, disability, and retirement offerings — same broker role, employer buyer, and commission model as Muneris.
- Holmes Murphy: Independent insurance brokerage specializing in employee benefits, commercial, and Medicare solutions for employer and individual clients — directly overlaps Muneris's employer and senior product lines.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Muneris Benefits social profiles
Digital presenceMuneris Benefits compliance and trust
Trust signalCompliance4 records
Muneris Benefits financial estimates
Financial estimateRevenue estimate
Valuation estimate
Muneris Benefits leadership team
Management profileNumber of profiles
Profiles9 records
Muneris Benefits funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Muneris Benefits M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Muneris Benefits
What does Muneris Benefits do?
Muneris Benefits is an independent insurance brokerage that sells and services group employee benefits, individual and family insurance, and Medicare plans on behalf of multiple carriers. The firm earns commissions from carriers, with broker fees built into premiums, and provides advisory, quoting, enrollment, billing, and claims support to Virginia small businesses, individuals, families, and Medicare beneficiaries. Core product lines are Employee Benefits, Personal Insurance, and Medicare Services, supplemented by access to the WiseChoice Healthcare Alliance consortium.
Is Muneris Benefits a public or private company?
Muneris Benefits is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Muneris Benefits founded?
Muneris Benefits was founded in 1990. It employs 1 to 10 people.
Where is Muneris Benefits based?
Muneris Benefits is headquartered in Roanoke, United States, in the North America region.
How does Muneris Benefits make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Muneris Benefits's main competitors?
HealthCare.com is listed as an emerging player. Broad incumbents are Brown & Brown, USI Insurance Services, Marsh McLennan Agency and NFP (Aon). Direct peers are OneDigital, Cottingham & Butler, Hilb Group, Burnham Benefits Insurance Services and Holmes Murphy.
Does Muneris Benefits have an API?
No public API is recorded for Muneris Benefits.
What industry is Muneris Benefits in?
Muneris Benefits's product category is Insurance Brokerage Services. Its primary akta.pro industry code is BPACAHAG, International Benefits Administration & Global Benefits Brokerage, with a secondary code of FSAIADAA, Basic Group Term Life (Employer-Paid). Its NAICS code is 5242 and its SIC code is 6411.