Beam Benefits
Simplifying employee benefits for today's workforce with a digital-first platform
Overview
Beam Benefits (formerly Beam Dental) is a digitally-native employee ancillary benefits company that offers dental, vision, life, disability, and supplemental health coverage for employers of all sizes. The company simplifies and modernizes the $100+ billion ancillary benefits industry through its intuitive online platform, self-service tools, AI-powered underwriting, and a personalized rewards program that promotes improved overall wellness.
Founded in 2012 as Beam Brush by three engineers from the University of Louisville, the company pioneered a Bluetooth-connected smart toothbrush that tracks brushing behavior and incorporates dental hygiene data into policy pricing. From this innovative beginning, Beam expanded into a comprehensive employee benefits platform that automates the dental insurance value chain from quotes to claims for brokers, employers, and members.
Beam Benefits is available in 44 states across the United States, serving over 250,000 members. The company has achieved 219% revenue growth and continues to expand its product portfolio. Insurance products are underwritten by National Guardian Life Insurance Company (NGL), Nationwide Life Insurance Company, and Hartford Life and Accident Insurance Company, with Beam operating as the technology and distribution platform through Beam Insurance Services LLC.
Products & Services
Dental Benefits
Beam's flagship product modernizes dental insurance with AI-powered underwriting that delivers quotes in under 30 seconds. The platform automates the entire dental benefits value chain from quoting through claims processing.
Key Features
- AI-powered automated underwriting
- Digital quoting tool for brokers (quotes in under 30 seconds)
- Beam Perks rewards program with smart Beam Brush toothbrush
- Dental hygiene behavior incorporated into policy pricing
- Streamlined claims processing
Target Users: Brokers, employers, employees
Vision Benefits
Beam partners with VSP Vision Care to provide comprehensive vision coverage with access to a broad network of over 121,000 vision provider access points across the country.
Key Features
- Partnership with VSP Vision Care network
- 121,000+ provider access points nationwide
- Coverage beyond basic vision needs
- Integrated with Beam's digital platform
Target Users: Brokers, employers, employees
Life Insurance
Voluntary life insurance products offered through Beam's unified benefits platform, providing employees with additional financial protection options.
Key Features
- Voluntary life coverage options
- Digital enrollment and administration
- Integrated with other Beam benefits
Target Users: Employers, employees
Disability Insurance
Short-term and long-term disability insurance products underwritten by Hartford Life and Accident Insurance Company, administered through Beam's digital platform.
Key Features
- Short-term disability (STD) coverage
- Long-term disability (LTD) coverage
- Digital claims management
- Underwritten by Hartford
Target Users: Employers, employees
Supplemental Health
A suite of supplemental health products including accident, hospital indemnity, and critical illness coverage to complement core medical plans.
Key Features
- Accident insurance
- Hospital indemnity coverage
- Critical illness insurance
- Bundled with other Beam products
Target Users: Employers, employees
At a Glance
- Founded
- 2012
- Headquarters
- Columbus, Ohio
- Employees
- 201-500
- Funding
- Series E+
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Employee Benefits Platform Digital Distribution Automated Underwriting
- Insurance Verticals
- Group Benefits Health
- Target Customers
- Brokers, Employers
Customers
- [Unknown]
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Last updated: 2026-03-25