Broker vs Carrier Rep Accounts
Monark is designed for three types of users — brokers, carrier representatives, and employers — each with a different role and a different experience in the platform. This article explains the difference between broker and carrier rep accounts specifically.
Broker Accounts
Brokers are the primary operators of Monark. A broker account gives you full control over the workflow from end to end.
What brokers can do:
- Create and manage Employer records
- Create Proposals and Groups
- Upload and manage census data
- Configure coverage requirements
- Get instant medical quotes
- Send RFPs to carrier representatives
- Receive, compare, and select carrier offers
- Build and send proposals to employers
- Model employer contributions
- Track employer responses and selections
- Manage organization settings and team members
- Generate ERISA wraps and benefits documents
How brokers sign up: Brokers create accounts directly at monarkhq.com. Login is passwordless — a magic link is sent to your email each time you log in.
Cost: Free. Monark is completely free for brokers.
Carrier Representative Accounts
Carrier reps are responders in the Monark workflow. Their account is scoped to the RFPs that brokers send them.
What carrier reps can do:
- Receive RFPs via secure magic links
- Review group details, census summaries, and plan requirements
- Submit offers and quotes directly in Monark
- Attach supporting documents to submissions
- View their own submitted offers and response history
What carrier reps cannot do:
- See other carriers' offers or competing quotes
- Access broker accounts, proposals, or employer data
- Initiate RFPs or create proposals
- See individual employee data (only group-level summaries)
How carrier reps get access: Carrier rep accounts are created automatically when a broker sends an RFP. The rep receives a magic link by email — clicking it creates their account and takes them directly to the RFP. No manual signup required.
Cost: Free for carrier reps as well.
Side-by-Side Summary
| | Broker | Carrier Rep | | ------------------------- | ------ | ---------------------- | | Signs up independently | Yes | No — invited by broker | | Creates proposals | Yes | No | | Sends RFPs | Yes | No | | Responds to RFPs | No | Yes | | Sees all offers | Yes | Own submissions only | | Manages employer accounts | Yes | No | | Access to census detail | Full | Group summary only | | Cost | Free | Free |
Not Sure Which You Are?
- If you manage employee benefits for employer clients — you're a broker. Get started at monarkhq.com
- If you received a link from a broker to respond to a quote request — you're a carrier rep. See the carrier rep guide
Questions? Chat with us at monarkhq.com.