The carrier already did the math. We check it.
Reprice carrier renewals, take groups to market, report on claims and answer anything about any client — under your firm’s brand, hosted in Canada.
Your email sets up the walkthrough — no marketing list, no sharing.
Fair renewal summary
Humberview Manufacturing · renewal, effective 1 Jan
Carrier ask
+16.4%
$565,704 / yr
Fair renewal
+2.1%
$496,206 / yr
Four surfaces do the heavy lifting.
One client record and one brand behind all four.
Reprice any carrier renewal against a defensible fair premium.
Upload the carrier's renewal — PDF, experience workbook or photographed pages. blankit reprices every line against the premium the group's own experience supports, then records every counter and revision so the client sees the work, not just the result.
See a sample analysisThe exchange, both sides
Humber Trailworks Ltd. · Health & Dental challenged
- Carrier opened+14.2%
- We countered+4.8%
- Carrier revised+9.1%
- We countered+6.0%
- Settled+6.4%
Positions land on the trail as you work — yours when the challenge goes out, theirs when the reply is forwarded in — and all of it prints in the client’s renewal document.
Take a client — or a group you haven’t signed — to market.
Drop in the census and send each carrier one branded RFQ. Forward the replies and blankit reads the quote and the covering email, flags any carrier off the requested design, and builds a client-ready Benefits Presentation. When a prospect signs, their quote history comes with them.
How marketing a group works| Carrier | Monthly | vs current | Status |
|---|---|---|---|
| Carrier A | $41,120 | −7.9% | Leading |
| Current carrier | $44,650 | — | Renewal |
| Carrier B | $46,010 | +3.0% | Received |
| Carrier C | Declined to quote | Closed | |
The grid stays editable right up to the presentation.
Claims reports that land the same day the data does.
Branded, interactive reports across every year on file — drivers, trends and spend by claim type. Forward the carrier’s report and the finished document lands in your inbox.
How claims reporting worksPaid claims by period
Health · three policy years
Ask anything about any client. Get a cited answer.
Rider reads the booklet, the renewal history and the claims file, answers in English or French with the source attached, and drafts the follow-up.
Meet RiderWhat did we settle Humber Trailworks at last year, and what drove it?
Everything else, quietly handled.
Practice
Pipeline & Calendar
Every renewal on one timeline — due, out to market, waiting on a carrier — and how the whole book renewed.
Benchmarking
Plan Benchmarking
Where a plan sits against your whole library — or peers of the same industry, province or size — benefit by benefit, with a gap analysis the client can read.
Pricing check
The Carrier’s Own Formula
Where a carrier prints its loss ratios, target, trend and credibility — or publishes how it rates disability — blankit runs their method on their figures and shows you where the ask departs from it.
Forecasting
Claims Outlook
How long a price holds: the group’s health and dental claims projected forward against the budget each quote leaves.
Comparisons
Claims Mix vs All Plans
Whether a group runs high on massage or low on drugs, against anonymized aggregates from every firm on the platform.
Coverage audits
Booklets, Policies & Audits
Booklets, master policies and amendments in one library. The delivered booklet is checked field by field against the quote and the policy, so a lowered maximum is caught before a claim is.
Plan design
Plan Change Modelling
What a coinsurance step, a paramedical cap or generic substitution would have saved on this group’s own claims — so you know which change to ask the carrier to price.
Disability
EI Premium Reduction
Every renewal with short-term disability shows what Service Canada’s EI Premium Reduction Program is worth this year, and whether the plan qualifies.
Funding
ASO Funding Comparison
Insured versus self-funded health and dental, side by side — claims, fees, stop-loss and tax — with the claims level where the two break even.
Guides
Workflow Guides
Announcements, plan amendments, onboarding — Rider pre-fills each step, and each ends in a client-ready PDF and Word file.
Clients
Client Dashboard
One screen per group: the renewal in flight, what the plan costs, how claims are trending and every year of history.
Client records
Province, Filled In For You
Read off the carrier renewal and checked against the public registers it mirrors — Corporations Canada and the Registraire des entreprises du Québec. Confirm it once and nothing changes it again.
Onboarding
Renewal History Import
Taking over a book? Import past renewals — ask, outcome, savings — so day one starts with real history.
Mid-year
Coverage Changes
A client wants vision mid-year: blankit asks the incumbent to price it, chases the reply and turns it into a branded pricing summary.
How coverage changes workCommissions
Commission Reconciliation
Set expected rates — flat, fixed-dollar or graded — forward the carrier’s statement, and see shortfalls and missing groups flagged.
Plus risk profiling, carrier scorecards, carrier bulletins, a task board, multi-document report bundles, webhooks, and optional sync with the CRM you already use.
Everything the practice knows, in one place.
Booklets, renewals, claims, quotes, commissions and tasks all live on one record — nobody digs through a folder for what happened last year.
Rider works the record, not just reads it.
Proposed in the chat, applied only when you approve.
- Draft the challenge email for this renewal
- What pooling charge did the carrier load?
- Rebuild the one-pager with the round-2 counter
- Which clients renew in the next 90 days?
- Summarize the dental experience, last three years
- Start a mid-year vision quote for this client
What leaves your firm
What your clients and carriers actually open.
Fair Renewal one-pager
The carrier-facing summary: incurred claims, net premium, and the fair renewal position, stated line by line.
Employee 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.
The carrier sends one number. We rebuild it.
blankit rebuilds the carrier’s premium from the group’s own claims with recognized Canadian actuarial methods, and shows every step in the report you hand back.
When the carrier’s ask holds up, blankit says so. A tool that finds every renewal excessive isn’t an analysis.
See the full actuarial walkFour corrections to the carrier’s number
Pool out the large claims
Take out the catastrophic claims — the pooling charge already pays for that risk.
Complete and trend the claims
Add claims incurred but not yet reported, then project to the new plan year.
Blend for credibility
Weight the group’s experience against the manual rate by how much data there is. The manual starts from last year’s rate, not this year’s ask.
Hold to the carrier’s own target
Gross up to the carrier’s own target loss ratio — not a benchmark we invented.
Nothing silently defaults.
Target loss ratio and IBNR are never defaulted — if one is missing, blankit asks. Anything synthesized is footnoted, and any adjustment you make is shown to the carrier with its reason.
Send the renewal from wherever you already are.
Not a notification feed — the actual work. Send a carrier document from the channel or inbox you already use, and ask about any client while you’re there.
Send
Drop it in Slack or Teams, forward it to your firm’s intake address, send it from Outlook, or save it to a watched Google Drive folder.
Read
blankit reads it and runs the engine — exactly as if you had uploaded it.
Reply
The analysis comes back to you, linked to the draft in your pipeline.
Or ask the chatbot you already have open.
Connect your own AI chatbot and ask it “what should Humber Freight actually be paying?” It runs the same engine as every other surface, on your real book — not a chatbot guessing at benefits.
What it can touch
You grant the permissions
Read-only by default. Saving, changing assumptions and starting a quote are each off until you turn them on.
It cannot contact anyone
Nothing it can do sends email to a carrier or a client.
Everything is written down
Every request is audit-logged, and revoking the key stops it at once.
Three steps, nothing to install: create a key, paste it in, ask.
The booklet you already read, as a site their staff can.
The plan design you extracted for the renewal becomes a plain-language site for the client’s employees, with Paige, the employee chatbot, for anything the page doesn’t answer. Rebuild from a new booklet and every page updates.
- Built from the booklet
- Every page comes from the plan design already extracted — nothing to write.
- Thirteen languages
- English and French automatically, plus eleven more.
- Behind an access code
- On your domain, in your colours, with Paige on every page.
A Quebec group’s site can’t go live without French or have it removed, and a client corrected to Quebec after launch gets French back automatically. How microsites work.
Coverage your clients’ staff can buy without leaving the chat.
Switch on the Blue Cross Life critical illness offer and Paige quotes it and takes the application in the chat. Completed applications go to Blue Cross Life with you copied, and every one shows on your dashboard.
- They ask Paige
- A starter question in the chatbot, in all thirteen languages.
- $25k and $50k are Guaranteed Issue
- No health questions — done when the conversation is.
- $75k and $100k are signed first
- A health questionnaire goes out for e-signature first.
Off until you turn it on.
Your name on everything. blankit stays invisible.
- Fully white-labelled. Reports, one-pagers, quote summaries, portals and the email blankit sends for you all carry your firm’s name, logo and colours.
- Your name in the From line too. Verify your sending domain and mail goes out as your firm. Until then, blankit is named once in the header so it isn’t junked.
- One advisor or a hundred. Licensed per advisor, so an independent, a brokerage or an MGA works the same way.
2026 Renewal Position
Extended Health & Dental · Policy #GRP-40218
Prepared for
Humberview Manufacturing
Prepared by
Orchard Benefits
Effective
1 Jan 2026
▲ your logo, name & colours — every document, letter-perfect
9lines
Every benefit line the plan carries reaches every deliverable — including the ones the renewal left unchanged.
20yrs +
Of front-line advisor experience behind the methodology.
Canadian data, kept in Canada.
Canadian AI
Read by Augure
Every document blankit processes is read by Augure, Canadian-owned AI with no US parent company. Your client's file is stored only on Canadian servers; only the reading can pass through servers elsewhere. Augure serves some model tiers and busy-time failover from the EU, and blankit refuses any answer produced outside Canada. If neither Canadian model can read a document, blankit asks you before it is read in the US. Census and roster files are read in code, so no AI sees them.
Data residency
Stored in ca-central-1
Carrier PDFs, extracted data and generated documents are stored in AWS Montreal, unconditionally. Where they are read is the Augure card.
Isolation
Your own database
Every firm gets its own database, storage bucket and encryption key — not rows in a shared table. A cross-firm read has no route to happen.
Access control
Passkeys & enforced 2FA
Passkeys, authenticator apps or email codes, with a second factor enforceable firm-wide.
Accountability
Built to be audited
A hash-chained audit trail makes altered or deleted history detectable, and nightly checks flag stored figures that don’t add up. Designed against a SOC 2 control set.
Even we can't see your client list.
When our team steps in to fix a problem, the session is read-only and every client name is replaced by a fixed code — Client-A4F2, never Acme Corporation. We can trace the numbers; we never see who your clients are. More on the Trust & security page.
The things advisors ask first.
Still wondering about something? Talk to us — a real person answers.
Do I need Salesforce or any specific CRM?
No. Everything works without one. If you keep Salesforce, HubSpot, Dynamics 365 or Zoho, blankit can read your clients and renewal dates from it — read-only by default.
Which carriers and documents does it handle?
Every Canadian carrier’s renewals, experience reports, quotes, booklets and commission statements — as PDFs, workbooks, scans or photos. The covering email is read too, and where it disagrees with the report the difference is flagged.
Can an MGA or a multi-advisor brokerage license it?
Yes — for its own team, on one licence agreement under its own brand. Each advisor gets their own seat and book; the firm sees across all of them.
“I spent 20+ years challenging carrier renewals for my own clients. blankit is the tool I built to do it properly — now any advisor, brokerage or MGA 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.