MonarkHQ – Frequently Asked Questions (FAQ)

This guide answers common questions across all MonarkHQ users, including brokers, carrier representatives, and employers.

Where relevant, answers are labeled by role.

General Platform Questions

What is MonarkHQ?

MonarkHQ is a benefits workflow platform that connects:

Brokers who configure coverage, send RFPs, and build proposals
Carrier representatives who receive RFPs and submit offers
Employers who review proposals and select benefits

Each user sees a role-specific experience.

Do I need a MonarkHQ account?

Brokers: Yes. Brokers create accounts and manage organizations.
Carrier reps: No manual signup required. Your account is created automatically when you click an RFP magic link.
Employers: No account required. You access proposals via secure links sent by your broker.

How does login work?

MonarkHQ uses passwordless authentication:

Secure email-based magic links
No passwords to create or remember
Links are time-limited and encrypted

Getting Started (Brokers)

Do I have to build everything from scratch to get value?

No. You can start with a single renewal group or a single deliverable (like an ERISA wrap) and expand from there.

Only required fields (marked with an asterisk) are needed to run quotes.

I’m slammed — can you help with setup?

Yes. The Monark team can help you:

Load groups and renewals
Upload census files
Add carrier contacts

This lets you get value quickly without slowing down your workflow.

Is MonarkHQ replacing my AMS?

Not necessarily.

Many teams run Monark alongside their existing AMS. Adding more account details over time helps autofill documents and streamline workflows, but it’s optional.

Magic Links & Access

What is a magic link?

A magic link is a secure, single-use link sent by email that:

Authenticates you automatically
Grants access to a specific RFP or proposal
Expires after a set time for security

How long do magic links last?

Carrier RFP links: Typically expire after 1 hour
Employer proposal links: Usually expire after 7–90 days, depending on broker settings

If a link expires, request a new one from the sender.

Is it safe to use magic links?

Yes.

Links are encrypted and tied to your email
They expire automatically
No passwords are stored
Access is logged for auditing

Do not forward magic links to others.

Quotes, RFPs & Markets (Brokers)

Can I request quotes even if instant quoting isn’t available?

Yes.

Instant quote applies to specific states and segments, but you can always send an RFP to any carrier and manage responses inside MonarkHQ.

Do you support out-of-state groups?

Yes.

RFP workflows work nationwide
Instant quote coverage is expanding state-by-state

What if a carrier doesn’t respond in the system?

You can:

Manually add an offer
Upload a quote file and let Monark auto-populate fields
Build side-by-side comparisons regardless of carrier response method

Do you support associations (e.g., United Ag, Western Growers)?

Yes.

You can send RFPs to association-based carriers even if instant quoting isn’t available.

If a market isn’t in the directory yet, it can be added quickly.

Census Upload & Data Cleanup (Brokers)

Do I need to use a census template?

No.

Upload the census you already have. Monark automatically maps columns and cleans the file.

Will Monark handle messy exports (e.g., PACOM)?

Yes.

Handling inconsistent or poorly formatted census files is a core use case.

Can I review or edit the census after upload?

Yes.

Review in list view or family view
Export and re-upload if needed
Add or edit individual members directly

Side-by-Side Comparisons & Proposals

Does Monark generate side-by-side renewal comparisons?

Yes.

As offers are received (or uploaded), Monark automatically builds side-by-side comparisons so you don’t have to manually recreate them.

Can I keep internal notes private?

Yes.

You can:

Mark plans as recommended or alternative
Add internal notes that employers never see

Can I show proposals live with a client?

Yes.

Client-facing views update quickly, allowing you to walk through options in real time without waiting days for revisions.

Can I control who receives an RFP or proposal?

Yes.

You can select which carrier reps and employer contacts receive each send. New sends always generate fresh magic links.

Contribution Modeling & Employee Worksheets (Brokers)

Can I model multiple contribution strategies?

Yes.

You can layer:

Percentage contributions
Contribution caps
Base-plan strategies
Different job classes

All applied simultaneously.

What do employee worksheets show?

Worksheets show employee cost, with employer contributions already factored in.

Employer total cost reporting is on the roadmap.

Does Monark calculate composite rates from age-banded rates?

Not yet.

This is planned for states where composite pricing is derived from age-banded averages.

ERISA Wraps & Benefits Guides

Can Monark generate ERISA wraps?

Yes.

ERISA wrap generation is available now.

Can I reuse or update wraps year-over-year?

Yes.

You can edit prior-year wraps instead of recreating them from scratch.

Does the wrap include COBRA, FMLA, or Section 125 language?

Yes.

Language is automatically included or adjusted based on your inputs (e.g., employee count, coverage selections, Section 125 elections).

Can Monark generate benefit guides or booklets?

Benefit guides are on the roadmap. ERISA wraps are available today.

Carrier Representative Questions

What if I don’t handle a coverage type?

You can ignore that coverage tab and submit offers only for the coverages you support.

Can I edit an offer after submitting?

No.

Once submitted:

Offers are locked
Brokers must request revised submissions

Always review carefully before submitting.

Can multiple reps from my carrier respond?

Yes.

Each rep receives their own magic link and submits independently.

Can I see other carriers’ offers?

No.

Carrier reps can only see RFPs sent to them and their own submitted offers.

Employer Questions

Do my employees see this proposal?

No.

Proposals are employer-only. Employee enrollment happens later.

What if I need more time to review?

Ask your broker to:

Extend the proposal link expiration
Resend with a new deadline
Schedule a review call

Can I change selections after submitting?

Not directly.

Contact your broker immediately if changes are needed.

Data, Privacy & Security

Who can see my data?

Access is role-based:

Brokers: Accounts, proposals, and RFPs they manage
Carrier reps: Only RFPs sent to them and their own offers
Employers: Only their own proposal

Is individual employee data shared?

No.

Carriers see group-level summaries only
Individual member data is never shared

How is my data protected?

Encrypted links and sessions
Role-based access control
No password storage
Activity logging

Troubleshooting

I didn’t receive an email

Check spam/junk
Confirm the email address
Ask the sender to resend

The link isn’t working

Confirm it hasn’t expired
Copy/paste the full URL
Request a new link

The page isn’t loading correctly

Refresh
Try another browser
Clear cache
Contact the sender

Getting Help

Who should I contact first?

Employers: Your broker
Carrier reps: The broker who sent the RFP
Brokers: MonarkHQ support

Most issues are resolved fastest by the original sender.