Affordable healthcare coverage continues to be one of the main concerns for real estate agents in the U.S.A. Since they work on a commission basis, many realtors do not receive health insurance from their agencies and have to spend thousands of dollars for self-funded medical cover.

Finding affordable health care has been a major concern for real estate professionals across the country, but eXp Realty has decided to change that. They have an exclusive partnership with Clearwater Benefits to provide an affordable healthcare plan to real estate agencies. If you’re a real estate agents that needs health insurance, Call Traci Gagnon for all the details.  210.465.5275  I personally saved over $3,000 a year and have much better coverage!

eXp Realty Introduces Innovative Low-cost Healthcare Plan for eXp Agents 

eXp Realty, the Real Estate Cloud Brokerage of eXp World Holdings, and Clearwater Benefits are revolutionizing the real estate industry. Their new program, eXp Agent Healthcare, matches real estate agents with a dedicated concierge who helps them find low-cost choices for healthcare insurance. 

eXp Agent Healthcare also has a telemedicine service for videoconferencing healthcare, resulting in more savings.

Who Is eXp Realty?

eXp Realty is a subsidiary of eXp World Holdings Inc. They are a leading cloud-based real estate brokerage firm. eXp Realty is growing exponentially, serving over 83,000 agents across 19 countries. .

Who Is Clearwater Benefits?

Clearwater Benefits is an insurance brokerage that offers affordable health care coverage options. Its innovative healthcare options provide residential real estate agents with affordable health benefits and insurance plan options that are better than many of the choices populating the insurance marketplace. 

Clearwater Benefits also offers other group policies like life insurance, vision insurance, dental insurance, and disability insurance. These group policies are an added perk with the innovative partnership between eXp Realty and Clearwater Benefits. eXp Realty agents can choose from many plan options and affordable healthcare plan coverage. This allows every real estate agent to have access to a benefits package that suits their needs.

What Real Estate Agents Should Know About eXp Agent Healthcare

Learning from books

 eXp World Holdings is committed to ensuring every one of its employees has equal access to health insurance coverage. This push for affordable healthcare is one of the top values of all their companies, and it has finally arrived at eXp Realty. 

eXp Realty offers all it’s agents in the US the chance at affordable healthcare coverage. eXp Agent Healthcare is available to all eXp Realty agents with no unfair restrictions or hidden stipulations. 

eXp Realty believes that access to affordable healthcare will take a large burden off the shoulders of their real estate agents and provide for a better work environment. Healthier real estate agents work better and provide better services, thus encouraging company growth. Overall company growth means better turnover and more profit. More profit means more benefits for everyone at eXp Realty.  

Joining eXp Realty

eXp Agent Healthcare is available to eXp Realty agents only. If you are not an eXp Realty agent, you can still access their insurance health plan with a few extra steps.

If you work as an independent contractor, you still need quality healthcare options. The independent contractors who work as eXp agents experience significant savings with eXp Realty’s innovative healthcare option. This is what makes the eXp Agent Healthcare coverage so unique, and beneficial for any real estate professional.

Call Traci Gagnon for a confidential Clarity Call to see is eXp is the next step toward financial freedom.  210.465.5275

Can new real estate agents fit in at eXp Realty?

Indeed! eXp Realty is committed to the growth of every agent. They offer a training program exclusively for new real estate agents called the FastStart training program. They give agents additional training beyond that program, as well as mentorship.

eXp Realty also offers a close-knit community and a great support system to help with each company agent’s success. This commitment to agent growth has led to overall company growth as well, and their dedication to providing quality benefits to all of their agents proves their care for their employees.

Do eXp Realty agents receive training?

Yes, eXp Realty takes the education and growth of its agents seriously. They offer their real estate agents over 50 training classes a week.  This training occurs in their Metaverse offices, eXpWorld gives agents a chance to log in and train from wherever they are. Class interaction is encouraged and further training is always available after an agent completes a training level.   There are also tons of live events.  Tony Robbins has even been one of our speakers. 

What is the commission split at eXp Realty?

eXp Realty understands the challenging expenses that a real estate agent takes on. This is why they offer a competitive commission split of 80/20 to all real estate agents until the agent reaches their project or yearly commission cap.  New agents who have less than 3 sales are added to our mentorship program and pay an additional 20% on their first deals, all of which goes toward meeting their cap. 

Is there a commission cap?

Yes, eXp Realty agents have a cap. The cap is at $16,000. If a real estate agent working as an independent contractor to eXp Realty earns at least $80,000 in commission per year, they will meet their cap. eXp Realty also offers a reduced cap for teams.

Do eXp Realty Agents have to pay multiple fees if licensed in several states?

Not at all! eXp Realty does not ask for different fees if a real estate agent has a license in several states in the USA. Their fee is a standard $85 per month to their national brokerage.

Does eXp Realty charge fees for team expansions?


No, eXp does not take any extra fees for the expansion of teams. Their universal standard rates still apply.

Do eXp Realty agents pay for E&O insurance?

Yes, they do. eXp Realty charges $40 per transaction with a max of $500 annually.

How much are the royalty or franchise fees at eXp Realty?

eXp Realty does not charge any royalty or franchise fees. Since eXp Realty is a nationally owned brokerage and part of the larger eXp World Holdings Inc, there are no franchises. As an eXp Realty Agent, you remain an independent contractor, even if you work as a team. This saves agents thousands of dollars a year.

Can eXp agents buy EXPI Stock?

Yes, they can. eXp Realty allows its agents to take 5% of their commission checks and buy eXp stock at a 10% discount. However, eXp agents can still buy stock by setting up a brokerage account.

What kind of stock awards do eXp Realty Agents receive?

One of the many advantages of being an eXp Realty agent is the stock options. After an agent at eXp Realty sells their first home, they get stocks in the company as a reward.

eXp Realty Agents also receive stock if they hit their commission cap, refer another real estate agent who then closes a real estate transaction, and/or when they become an eXp ICON.  As an eXp ICON, an agent receives up to $16,000 worth of stock as a reward.

Can eXp Agents cash out their stock awards?

Yes, they can. Stock awards received by eXp Realty agents are vested after three years. This means that an agent can cash out the stock three years after the date of the award.

Does eXp have any in-person meetings?

Yes! These include lunches, classes, group functions, etc. If a group needs office space for training or meetings, eXp Realty has a contract with Regus Business Centers. This agreement provides agents with free access to their facilities and discounts on spaces for private meetings and events.

What is covered by eXp Realty health insurance?

Clearwater Benefits and eXp Realty offer a wide range of health insurance options to eXp Realty agents. You can choose basic health coverage or add a wide range of other options. There are vision insurance benefit programs, dental coverage options, and a variety of other added benefits. eXp Realty Health Insurance offers great benefits packages to ensure agents’ success. 

eXp Realty Health Insurance: Better than Traditional Insurance?

The health insurance premium for eXp agent healthcare is much lower than other health covers. eXp Realty Health Insurance plans make it possible for eXp Realty agents to have affordable healthcare that would not be possible with traditional insurance options. 

This innovative healthcare option offers insurance brokerage for those in the real estate business at lower costs and better premiums. The coverage purchased by the independent contractors enrolled at eXp Realty gives them health care on demand without the added stresses of traditional insurance. 

Additionally, having fixed healthcare expenses will lift a burden from the shoulders of many real estate agents and allow them to focus on their work. eXp World Holdings is famous for its commitment to a healthier work environment. Even its child companies, including eXp Realty, adopt this philosophy. This is why they partnered with Clearwater benefits to provide health insurance for all their real estate agents. 

Instead of scouring the entire insurance brokerage community for affordable health insurance, real estate agents can focus on selling houses. eXp Realty health insurance offers every real estate agent the chance at fixed healthcare expenses. This in turn gives agents renewed excitement for real estate and the ability to close more real estate brokerage deals.

Author: Traci Gagnon

Traci has been in Real Estate for 18 years, and her 3rd year in Real Estate she opened a Century 21 franchise with 5 agents. She grew that to over 220 agents and the number 4 Century office in the nation. She sold that at the top of the market – weeks before it crashed – then went on the professional speaking circuit teaching agents and brokers how to build their real estate business. She is the author of several books, including the critically acclaimed Defy the Odds.

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