For Affiliates
One introduction.
Paid every month.
For years.
The tariff program puts real money in your pocket fast. Section 125 is what keeps paying you long after the tariff window closes. Here is why I am building both at the same time.
Front-end cash from tariffs.
Long-term residual from Section 125.
That is the full play.
Here is how I am thinking about the second half of 2026 and beyond. The tariff refund program is a window. It pays extraordinary commissions on individual deals and the average file produces a commission of $126,000. But the tariff program has a timeline. Filing windows are closing every day and the program as a whole has approximately a year left before it winds down.
Section 125 is the opposite. There is no window. There is no urgency. There is just a residual income stream that activates when a business enrolls and keeps paying you every single month for as long as those employees remain on the plan. The retention rate is exceptionally high because employees genuinely use and love the benefits and they are getting something for free that they were not getting before.
The strategy is to move fast on tariffs to generate front-end cash, then build a Section 125 book of business that creates income whether you are working or not.
That combination, a large upfront commission followed by a growing monthly residual, is what most people in affiliate work spend years trying to find. Both are available right now.
Tariff refund cash
$126,000
Average commission per funded file.
Section 125 monthly
$10 / employee / month
Every month. Compounding into a book.
Ten dollars per employee per month.
Every month. For years.
The Section 125 affiliate commission is $10 per employee per month. That is it. Simple, clean, and it compounds.
Think about what that looks like at scale. A company with 50 employees generates $500 per month in residual income from a single enrollment. A company with 200 employees generates $2,000 per month. Build a book of business with 1,000 total enrolled employees across multiple companies and you are generating $10,000 per month in income that arrives whether you make a single new introduction that month or not.
This is not theoretical. The tax savings that fund the program are structural and immediate. The benefits are real and employees use them. That combination produces retention rates that make this genuinely residual in nature.
$500
/ month
50 Employees
From a single company enrollment. Recurring every month.
$2,000
/ month
200 Employees
One mid-size company. Monthly. Compounding over time.
$10,000
/ month
1,000 Employees
Across multiple companies. A book that works for you.
These figures are illustrative. Individual results depend on the number of eligible employees enrolled and retained. No specific outcome is guaranteed.
Here is exactly how you get paid.
When a business enrolls, the 30-day onboarding process begins. The plan is structured onto their payroll system by the UnifiWell team. On the first of the following month, the plan goes live and employees begin accessing their benefits.
On the first of the month after that, an invoice is issued to the business for the prior month's enrollment. Once that invoice is paid, affiliate commissions are issued on the 15th of that same month.
So the first commission arrives approximately 60 to 75 days after a business completes onboarding. After that, it arrives every month automatically for as long as the plan is active.
There is no complex tracking. There is no chasing invoices. The system handles it. Your job is to make the introduction and let the team handle everything that follows.
Do one deal and get paid once. Or build a book and get paid every month forever. I am doing both.
Not every business is equal.
These two types close fastest.
Any business with 20 or more full-time employees is worth a conversation. But two categories of businesses stand above the rest when it comes to speed and volume.
An accountant who believes in this program becomes a multiplier. They already have relationships with dozens or hundreds of business clients. When they understand the tax savings and put their stamp of approval on the program for their clients, you can move from one introduction to an entire book of business very quickly. If you know an accountant, start there.
A Professional Employer Organization manages payroll and HR functions for multiple client companies under one roof. A single PEO relationship can represent hundreds or thousands of employees across dozens of businesses. If you have a connection in the staffing or PEO world, that is one of the highest leverage introductions you can make.
Beyond those two categories, any business owner you know personally with 20 or more employees is worth a conversation. The program is genuinely good for them. Zero cost to their employees, immediate savings to the business, real benefits that drive retention and recruitment. It is one of the easier conversations to have once you understand it because you are not asking them to spend money. You are showing them how to save it.
This is a relationship business.
Always has been.
I want to be direct with you the same way I always am.
Section 125 is not a program you can blast out to strangers online and expect results. The businesses that enroll do so because someone they trust brought it to them, explained it clearly, and connected them with a team they felt confident in.
That trust is the whole game. If you have genuine relationships with business owners, operators, HR professionals, accountants, or anyone who works with businesses that have employees, you have what you need to build a meaningful book of residual income.
If you are starting from zero with no warm relationships, the tariff program may be a faster entry point. Build some credibility and some cash there first, and then layer Section 125 on top as you develop those business relationships.
The people who win here show up in person, have real conversations, and take the business seriously. That is the whole playbook.
The residual income you build this year
can pay you for the rest of the decade.
I am building a Section 125 book of business alongside the tariff work right now. The people on my team get direct access to me and to Chris Casey through a private WhatsApp. You are not navigating this alone.
When you have a deal that is moving toward enrollment, we get you connected directly to Dr. Jawad Arshad and the UnifiWell team for the close. For deals over 100 employees, Dr. Arshad shows up personally on the call. That level of support is what makes deals close.
The tax code is solid through at least 2030. The program is compliant at every level. And the businesses that say yes stay enrolled because their employees love what they are getting.
This is as close to set it and build it income as I have found in two-plus decades of affiliate work.
If you want to be part of it, the door is open.
Or call Todd directly: 858.610.6092
This page was built by Todd Cahill. Todd is not a tax advisor and this is not tax advice. The Section 125 program is administered by UnifiWell. Eligibility is determined by the UnifiWell team based on each business's specific workforce and payroll structure. Affiliate commissions are paid monthly on active enrolled employees. Individual results vary based on network, effort, and retention. No specific income outcome is guaranteed.