marketing reimbursement program

HST tracks the number of leads each agent receives and the applications submitted each month. It shows “Lead Balance” and “Marketing Balance Available.” The submitted business gets audited. Make sure to enter applications after you submit to the carrier, collect the first payment and receive an application/policy number.

Lead balance — shows the amount of credits you received for apps you have entered in within this month (refer to a link in HST LeadMaster > Reports > Product Report > View Product Listing). As a new agent, you get to have your lead balance rollover for 3 months from the time you submit your first app. It is not the same time as the SuperStart bonus.

Agent can add cash to their account to purchase leads.

Marketing balance — shows 50% of the amount you had left from the previous month in your lead balance. (Ex. March 31st you have $400 in your lead balance; at midnight April 1st half of the balance rolls over into your Marketing balance so you will have $200 marketing balance and $0 lead balance.) Agent must submit 4 apps that you receive lead credits for, no minimum monthly premium (the previous month) to qualify for marketing.

Lead reimbursement

The positive balance may be used for personal marketing reimbursement. The agent will be reimbursed ½ of the receipts amount up to the marketing balance.

How to submit your reimbursement:

If your marketing balance is negative/$0, the button “Create New Request” will not be available. If your marketing balance is positive, click on the amount under Marketing Bal and then “Create New Request.”

Please don’t create multiple files; try to submit one file for all documents.

Expense Description — example: Benepath leads or Marketing materials.
Amount — the total amount you have spent (total of 5 different receipts you are including).
Proof of Payment — download a file (preferably in a PDF document) and include the required documents:

1. Invoice/Receipts
2. Proof of payment (cashed check or a copy of the charge on your credit card/bank account)
3. Ad/Marketing — you must include a copy (HST logo or HST’s name is required on all marketing/advertisement)

All documents must be uploaded into HST LeadMaster by the end of the month. (If submitting October receipts, turn it in by October 31st, 9pm CST.)

It will be either approved or declined after it is reviewed based on the requirements put in place.

Example: if you show marketing balance available in February, you must submit receipts dated February. The receipts must be turned in by February 28th. If your marketing balance is $200, you must submit receipts totaling $400 to get the full $200 reimbursed. The payment will be made on the pay date closest to the 15th of the month.

The negative balances are deducted from the agent’s commission until they are fully repaid.

Allowable expenses:

• Marketing materials (required to include HST logo or name)
• Advertising to bring additional business (required to include HST logo or name)
• Leads purchased outside of HST (if HST receives any TCPA violations for leads not provided through HST or HST LeadMaster, the agent will be fully liable and required to get the complaint resolved)
• Chamber & BNI Memberships
• Non-resident licenses (only the initial license, not renewals)

Recruiting leads/programs outside of HST (required to include the ad)