Send one renewal. Judge it on what comes back.
Your client's renewal or your own. No account, no call first, and no change of broker either way.
The carrier package
The renewal letter is enough to start. Experience exhibit, rate sheet, booklet and census all make it sharper. Photographs of paper are fine.
A Sounding
The ask against what the experience supports, the gap in dollars a year, what is driving it by benefit, and every plan change worth pricing with a savings band.
What to do with it
We confirm the band and the price before any work starts, so nothing is charged from this form. If we cannot get a defensible answer out of the package, we say so.
Three renewals, from a small insured group to a 500-member plan with classes.
Each runs through the same engine as a real case and opens as the client review it produces. Every page has a Download PDF.
40 members, one Canada Life renewal.
The plan most employers have: the ask against what the claims support, what is driving it, the plan changes worth pricing, a health spending account set against the insured plan, and an HR and payroll platform alongside.
A real renewal, redacted, under a demonstration name.
Open the small group318 members paying their own claims.
Health, dental and disability on an ASO basis: the carrier's own working against its ask, line by line, the monthly budget by tier, a simulated cushion, the fee schedule, a held increase and a balance nobody has explained.
The group is fictional. The analysis is not.
Open the self-insured plan500 members, three classes, three divisions.
Owners, executives and everyone else, across three locations, on one policy. Flip between them and watch where the increase is coming from: one class is asked for more than its claims support while another is asked for less.
The group is fictional. The analysis is not.
Open the large group