The carrier already did the math. We check it.
blankit runs the analytical side of a Canadian benefits practice: reprice carrier renewals, take clients to market, generate branded claims reports, and answer anything about any file — all under your firm’s brand, all hosted in Canada.
$565,704
+16.4%Annual premium requested
Priced as if one catastrophic claimant — the kind the pooling charge already covers — will land again next year.
$496,206
+2.1%Defensible annual premium
The group’s own experience, once large claims are pooled out and the standard pool charge goes back in.
One platform. The whole practice — not a single-task tool bolted onto spreadsheets.
Renewals to copilot. Renewals, marketing, claims, commissions, and the assistant share one client record.
Your brand. Every report and portal ships under your firm — blankit stays invisible.
Canadian. Hosted in Montreal (ca-central-1). Data at rest stays in Canada.
Advisors don’t lose the account on strategy. They lose the hours to tools that don’t talk.
Fragile spreadsheets
Renewal math and quote comparisons live in workbooks that break the moment a carrier changes their PDF.
Scattered files
Booklets, claims reports, and quotes spread across email, drives, and carrier portals — never in one place.
No shared memory
Nobody can ask “what happened at last renewal?” without digging through someone else’s folder.
The tools that do the analytical heavy lifting.
Each shares one client record and one brand, so a renewal, a marketing exercise, and a claims report all speak the same language.
Renewals
Renewal Analysis
Reprice any carrier renewal against a defensible fair premium — pooling stripped, IBNR added, trend and credibility applied, line by line.
Marketing
Quote Builder
Take a client to market, track every carrier, and shape the results in an editable side-by-side grid — then hand over a client-ready, co-branded Benefits Presentation.
Claims
Claims Experience
Branded, interactive claims reports that weigh multiple years — the drivers, the trends, and where the spend is going — the moment the data lands.
Copilot
Advisor Assistant
Ask Rider anything about a client — booklet, renewal history, claims — and get a cited answer, in English or French.
Practice
Pipeline & Calendar
Every renewal on one timeline — what’s due, what’s out to market, what’s awaiting a carrier — so nothing slips before its effective date.
Guides
Workflow Guides
Step-by-step guides for the repeatable work — benefits announcements, plan amendments, client onboarding — each one ending in client-ready PDF and Word documents.
And the tooling around them — commission reconciliation, plan-design benchmarking, risk profiling, coverage revisions, carrier emails, Salesforce-optional sync, and automated intake by email-in or watched folder.
What you'll see
The surface advisors actually work in.
Renewal pipeline
Every renewal in flight, urgency-sorted — proposed, fair, and negotiated increases side by side.
Fair Renewal one-pager
The carrier-facing summary: incurred claims, net premium, and the fair renewal position, stated line by line.
Claims experience report
A branded, interactive report that weighs multiple years — loss ratios, claim drivers, and cost-containment findings.
Employee benefits chatbot
Booklet-grounded Q&A for plan members, white-labelled to the employer.
Critical illness enrolment
Plan members buy supplemental CI coverage in minutes, with carrier-bound rates.
Client-data masking
When support steps in, client identities show as stable Client-XXXX pseudonyms — numbers stay, names never do.
The carrier sends one number. We rebuild it.
A renewal letter is a single premium with the working shown off-page. blankit reconstructs it from the group’s own claims — pooling stripped, experience completed and trended, credibility applied, held to the carrier’s own target — and stops at the premium the file actually supports. Every figure is shown, line by line, in the report you hand back.
See the full actuarial walkCarrier’s proposed premium
$565,704
Pool out the large claims
The one catastrophic claimant leaves the experience — that risk is exactly what the pooling charge already buys — and the standard pool charge goes back in its place.
Complete and trend the claims
Add the claims incurred but not yet reported, then project the experience to the new plan year — with Quebec offsets applied where the group qualifies.
Blend for credibility
Weight the group’s own experience against the carrier’s manual by how much data there actually is — small groups aren’t over-read, large ones get full weight.
Hold to the carrier’s own target
Gross up to the target loss ratio the carrier itself prices to — not a benchmark we invented — so the fair premium is anchored to their book.
Fair premium
$496,206
What the experience supports
Why the numbers hold up.
That walk isn’t ours to invent. Every step is a recognized Canadian actuarial method, run the same way across renewals, quotes, and claims reports — and what makes it hold up at the table is that every figure is traceable to where it came from.
Pool-charge stripping
Remove the carrier’s pooling load from the premium base so the true group loss ratio surfaces — not the flattered one.
IBNR completion
Add incurred-but-not-reported claims so the experience is complete, leaving no room to understate the base.
Trend & provincial offsets
Project claims to the renewal midpoint, with Quebec QPIP and CNESST offsets applied where the group qualifies.
Limited-fluctuation credibility
Blend experience against the carrier’s implied manual so small groups aren’t over-read and large groups get full weight.
Target loss ratio
Hold the carrier to their own pricing target — not a number we invented — so the fair premium is anchored to their book.
Your name on everything. blankit stays invisible.
- Fully white-labelled. Every report, one-pager, quote summary, and client portal flows through your firm’s name, logo, and colours.
- Multi-tenant by design. Run your whole book in one place, with strict isolation between firms.
- Works from your documents. Upload carrier PDFs, forward them by email, or connect a cloud folder — no CRM required.
- Built for the practice. The same client record powers renewals, quoting, claims, and the assistant.
2026 Renewal Position
Extended Health & Dental · Policy #GRP-40218
Carrier ask
+18.4%
Fair renewal
+6.9%
Defended
$147.7k
▲ your logo, name & colours — every document, letter-perfect
5steps
A transparent actuarial sequence — shown line-by-line, never a black box.
6lines
Benefit lines fully modelled: EHC, Dental, STD, LTD, Life, and AD&D.
100%
Hosted in AWS Canada (ca-central-1) — app, data at rest, and backups all in Montreal.
20yrs +
Of front-line advisor experience built into the methodology.
Canadian data, kept in Canada.
Data residency
Stays in ca-central-1
Hosted entirely in AWS Montreal. Carrier PDFs, extracted data, and generated documents remain in Canada end to end.
Access control
Passkeys & enforced 2FA
Sign in with passkeys, TOTP, or email OTP — and require a second factor firm-wide. Passwordless where you want it.
Accountability
Built to be audited
Request-level logging, encrypted secrets, and strict per-firm tenant isolation — designed against a SOC 2 control set.
Even we can't see your client list.
When our team steps into your firm to fix a problem, the session is read-only — we can't change a thing — and every client name is replaced by a fixed code: Client-A4F2, never Acme Corporation. Premiums, dates, and carriers stay visible so we can still trace the numbers, but who your clients are never reaches us. See exactly how on the Trust & security page.
The things advisors ask first.
Still wondering about something? Talk to us — a real person answers.
Is blankit actually Canadian?
Yes — the whole platform runs in Montreal (AWS ca-central-1) and client data stays at rest in Canada. The methodology bakes in Canadian-specific adjustments like QPIP and CNESST that national tools tend to skip.
What makes the renewal math defensible?
Every challenge runs through a transparent five-step actuarial sequence — pool-charge stripping, IBNR loading, trend, credibility blending, and a TLR gross-up — and each step is shown line-by-line in the report you hand the carrier. Nothing is a black box.
Does everything ship under my firm’s brand?
Yes. Renewal reports, client deliverables, and the employee chatbot all carry your firm’s name, logo, and colours — not ours. blankit is the platform; your firm is the face the client sees.
Who is Rider?
Rider is the AI guide built into blankit — the name behind the Advisor Assistant and the step-by-step guides. Ask it anything about a client and it answers with cited sources, in English or French; inside the guides it drafts, pre-fills, and sanity-checks as you go. Rider works for the advisor — anything your clients see still ships under your firm’s brand.
Do I need Salesforce or any specific CRM?
No. Salesforce is optional per firm — manual entry is the default path. Connect it if you have it; skip it if you don’t.
Which carriers and documents does it handle?
blankit reads Canadian carrier renewal PDFs and supporting experience workbooks, normalizes them, and runs the engine line-by-line. The extraction prompt is tuned per carrier as new formats come in.
How do documents get into blankit?
Three ways: upload a carrier PDF directly, forward it to your firm’s email-in address (renewals, claims reports, and commission statements each route automatically by subdomain), or connect a cloud folder — Google Drive, OneDrive, or Dropbox — and let blankit ingest new files on its own.
Does blankit track commissions?
Yes. Set your expected rates per carrier or per client, and blankit tracks expected commission across the book. Forward a carrier commission statement — or have the carrier send it straight to your firm’s commissions email-in address — and it reconciles paid against owed per group, flagging shortfalls and groups that dropped off a statement entirely.
Can blankit support staff see my client list?
No. When our team steps into your firm to fix a problem, the session is read-only — we can't change a thing — and every client name is replaced by a fixed code like Client-A4F2. See exactly how on the Trust & security page.
“I spent 20+ years challenging carrier renewals for my own clients. blankit is the tool I built to do it properly — now any independent advisor can run it under their own name.”
Chris Gory · Founder & Principal Advisor, Orchard Benefits
Run it on one of your own clients.
Bring one client — a renewal, a marketing exercise, a claims file. We’ll run it through blankit and show you the documents your client would see, in your firm’s branding.