The back office for Canadian benefits advisors
Run your whole benefits book from one place.
Renewals, quotes, documents, commissions, claims and employee support — prepared for you, sent under your own brand.
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Commissions · January to June 2026
Sample book, invented groups
- Paid
- $28,407.80
- Short against your rates
- $559.20
- Lines to chase
- 4
By carrier
| Carrier | Paid | Vs your rate |
|---|---|---|
| Canada Life | $12,375.00 | $0.00 |
| Desjardins | $5,241.60 | $0.00 |
| Manulife | $4,640.00 | $0.00 |
| Sun Life | $6,151.20 | −$559.20 |
- carriers read by name
- 26
- carriers read by name
- jobs of the back office, one sign-in
- 4
- jobs of the back office, one sign-in
- languages in Paige, the employee chatbot
- 13
- languages in Paige, the employee chatbot
Back office
The work behind the work
Automating the admin that slows your team down.
Census & roster import
Turns census files into clean client and member records.
Carrier statements & invoices
Forward a carrier PDF and it files to the right client. Check each billed row beside the carrier’s page, and keep a rate table of every rate and when it started.
Commission tracking
See what was paid by group and by advisor, in one dashboard.
Renewals
Track every renewal with its dates, tasks and carrier documents.
- Canadian-owned
- Data stored in Canada
- Built to meet PIPEDA & Quebec Law 25 requirements
AI may run outside Canada.
Commissions
Know exactly what you’re paid — and what you’re owed.
Carrier statements checked line by line against the commission you expected.
- Forward or upload each carrier’s statement, and every line is matched to its group and checked against the rate on file.
- The reconciliation queue leads with what you are owed: short payments, lines that match no group and groups that stopped paying, each a click from a query to the carrier.
- See what was paid by carrier, by group and by advisor, splits included — with the producer the carrier printed, and commission held back to pay later kept apart from a short payment.
- Export reconciled commissions for QuickBooks Online, Xero and FreshBooks. Live sync coming.
An Excel workbook for an invented book of groups.
Commissions · January to June 2026
Sample book, invented groups
- Paid
- $28,407.80
- Short against your rates
- $559.20
- Lines to chase
- 4
By carrier
| Carrier | Paid | Vs your rate |
|---|---|---|
| Canada Life | $12,375.00 | $0.00 |
| Desjardins | $5,241.60 | $0.00 |
| Manulife | $4,640.00 | $0.00 |
| Sun Life | $6,151.20 | −$559.20 |
By advisor
| Advisor | Their share | Groups |
|---|---|---|
| Jordan Tremblay | $6,522.48 | 2 groups |
| Priya Natarajan | $3,075.60 | 1 group |
| Kept by the firm | $18,809.72 | — |
By group
| Group | Paid | Vs your rate |
|---|---|---|
| Harbourline Logistics Inc. | $12,375.00 | $0.00 |
| Northvale Software Ltd. | $6,151.20 | −$559.20 |
| Brightwater Studios | $5,241.60 | $0.00 |
| Cedarbank Dental Partners | $4,468.80 | $0.00 |
| CDR DENTAL PTNRS - DIV 2 (matches no group) | $171.20 | — |
How it works
Forward it, check it, send it.
The same three steps for a renewal, a quote, a statement or a claims report.
Forward or upload
Forward carrier email to your firm’s address, or drop in the PDF, workbook or photos.
blankit reads and prepares
It reads the document, files it to the client and drafts the report, the counter or the next task.
You review and send under your brand
Check the draft, change what you want, and send it in your firm’s name.
Carriers blankit reads
Every carrier, read by name.
Listed alphabetically under their current names — and any other carrier’s renewal besides.
- Benefits By Design (BBD)
- Canada Life
- Desjardins
- Empire Life
- Equitable Life
- Green Shield
- iA Financial Group
- Manulife
- Medavie Blue Cross
- RBC
- Sun Life
- + any carrier
blankit works with any carrier’s format.
“I spent 20+ years challenging carrier renewals for my own clients. blankit is the tool I built to do it properly.”
See a renewal in action
Know the fair renewal in 5 minutes.
Upload the renewal, check every line, and send the counter under your own brand.
Manulife asked for +13.0% (+$82,755.00 a year). blankit’s counter-offer is +8.8% — $26,676.00 a year less than they asked.
- Carrier asked
- +13.0%
- blankit’s counter +8.8%
- Carrier’s latest
- +9.8%
- Revised Oct 31, 2026
- Annual $ impact
- +$62,159.04
- The reply against current
Fair premium by line
Demo client · Manulife · annual| Line | Carrier ask | blankit counter |
|---|---|---|
| Life | $50,138.00 +6.0% | $47,631.00 |
| LTD | $108,342.00 +17.0% | $102,925.00 |
| Extended health | $418,310.00 +14.7% | $409,908.00 |
| Dental | $129,165.00 +9.0% | $119,369.00 |
| Total (all six lines) | $717,031.00 +13.0% | $690,355.00 |
Step 1: Upload
Drop in any carrier’s renewal — PDF, workbook or photos — or forward it to your firm’s email-in address.
- What blankit does
- Reads the rate pages, the claims exhibits and the covering email.
- What you keep
- The carrier’s original document, filed on the client’s page.
- What it never does
- Fill a missing figure with a guess — a blank is not zero.
One drop zone for any carrier’s format. Step 2: Reprice
Every line is rebuilt from the group’s own claims and the carrier’s own figures, and opens below the ask.
- What blankit does
- Prices health and dental in nine steps from the group’s own claims.
- What you keep
- The last word — type over any counter before it goes out.
- What it never does
- Counter above what the carrier asked.
Per-line premiums for a demo client on Manulife: current, proposed, the carrier’s change and blankit’s counter Line Current Proposed Change blankit counter $47,300.00 $50,138.00 +6.0% $47,631.00 $6,816.00 $6,816.00 +0.0% $6,475.00 $4,260.00 $4,260.00 +0.0% $4,047.00 $92,600.00 $108,342.00 +17.0% $102,925.00 $364,800.00 $418,310.00 +14.7% $409,908.00 $118,500.00 $129,165.00 +9.0% $119,369.00 Total $634,276.00 $717,031.00 +13.0% $690,355.00 +8.8% Demo firm, invented client: every line priced, and how far below the ask it opens. Open a line for its lives and rates. Step 3: Send under your brand
The report and the carrier challenge go out in your firm’s name and colours, in English or French.
- What blankit does
- Writes the report and the carrier challenge, ready to send.
- What you keep
- Your name, logo and colours — and the client relationship.
- What it never does
- Send the carrier challenge before you have read it.
The Fair Renewal Summary the carrier receives.
Beyond the renewal
What only blankit does
The client’s staff, the carrier’s inbox and your own tools — reached from the same record.
- Paige, the employee chatbotAnswers staff from their own booklet, cites the page, in 13 languages.
- Employee benefits sitesA plain-language site built from the booklet, on your firm’s domain.
- Coverage-change requestsAsk a carrier to price a plan change — blankit writes the ask and chases it.
- Slack, Teams and WhatsAppSend work from Slack or Teams; staff can reach Paige on WhatsApp.
- Use it from your own AIConnect the AI chatbot your firm already uses to blankit’s engine and book.
Bring your whole book
Start from the book you already have.
Import your clients and their documents once; every renewal after that builds on them.
Your client list
Import the book you already keep, from a spreadsheet or your CRM.
Your existing documents
Past renewals, booklets and claims reports file onto each client’s page.
Your CRM, if you use one
Connect HubSpot, Microsoft Dynamics 365, Zoho or Salesforce — blankit only reads unless you switch on write-back.
Our limits
What blankit will never do
Four lines the platform holds, whatever time the shortcut would save.
Never state a number the document did not.
A figure the carrier left out stays blank — a blank is not zero.
Never price a plan change for you.
Only the carrier prices a change; blankit writes the ask.
Never send a carrier challenge or request you haven’t read.
Challenges, quote requests and coverage requests are drafts you send yourself.
Never learn from another firm’s renewals.
Your earlier renewals help read your next one — never another firm’s.
Security
Built to be trusted with client data
Isolated per firm, masked for support, and every change on the record.
Masked support access
If support ever needs to look, the session is read-only and client names are replaced with pseudonyms before anything renders.
Isolated per firm
Each firm gets its own database, storage bucket and encryption key — never rows in a shared table.
Passkeys and 2FA
Sign in with a passkey or an authenticator app, and require a second factor across the whole firm.
Audit trail
Every change is written to a hash-chained log, so altered or deleted history shows up.
Getting started
From walkthrough to first renewal.
Three steps, and the first one is a conversation.
Walkthrough
30 minutes. Bring one renewal and see it priced.
Set-up
Your branding, your book imported, email and Slack connected.
First renewal
Upload it, check every line, send the counter.
Questions
Frequently asked questions
Short answers, each linked to the page that says more.
What can blankit do besides renewals?
It keeps one page per client with their booklets, census, claims and documents; files forwarded carrier email to the right client and logs every step as a task; tracks regulatory and carrier updates against your book; takes groups to market and tracks prospects; and reports on the whole book, commissions included. Every feature
Is blankit a CRM?
No. blankit keeps each client’s renewals, claims and documents on one client page, and works without a CRM. If you use HubSpot, Microsoft Dynamics 365, Zoho or Salesforce, you can connect it. blankit and your CRM
How is it priced?
One plan: a licence per advisor, plus a monthly pool of AI credits shared by the whole firm. Pricing
Can I import my book?
Yes. Import your client list from a spreadsheet or connect your CRM, and file existing renewals, booklets and claims reports onto each client. Bring your book
Which carriers does it read?
Benefits By Design, Canada Life, Desjardins, Empire Life, Equitable Life, Green Shield, iA Financial Group, Manulife, Medavie Blue Cross, RBC and Sun Life by name — and any other carrier’s renewal. How it works
Does blankit work with my accounting software?
Yes, by file. Export reconciled commissions for QuickBooks Online, Xero and FreshBooks. Your bookkeeper imports the file, and the steps for each one are beside the download. Live sync coming. Features
Is it in French?
Yes. The renewal report and the carrier challenge go out in English or French, and employee sites and Paige run in 13 languages, French included. Employee benefits sites
Where is data stored?
Client data is stored in Canada, in AWS’s Montreal region, in a database and storage bucket of your firm’s own. Requests enter AWS in Montreal, and AWS may process them outside Canada, including in the United States, under the AWS Data Processing Addendum. Trust
Is my data used to train AI?
Your firm’s earlier renewals help blankit read the next one — never another firm’s. Anonymized figures feed benchmarks unless you opt out. How we handle data
Can I white-label it?
Yes. Reports, carrier emails and employee sites carry your firm’s name, logo and colours, and employee sites run on your firm’s domain. See an employee site
Something else? Ask us
Run it on one of your own renewals.
The demo is a full firm with invented clients. No card, no call.