The renewal workspace for Canadian group benefits advisors, brokerages and MGAs.
Know the fair renewal in 5 minutes.
Renewals, client records, carrier and regulatory updates, marketing, claims and reporting — for the whole book.
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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 |
- carriers read by name
- 26
- carriers read by name
- steps behind every health and dental fair premium
- 9
- steps behind every health and dental fair premium
- languages in Paige, the employee chatbot
- 13
- languages in Paige, the employee chatbot
- PIPEDA-aligned
- Quebec Law 25
- Stored in Canada · AI may run outside Canada
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.”
How it works
Three steps, about five minutes.
Upload the renewal, check every line, and send the counter under your own brand.
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.
Everything in blankit
More than the renewal.
Six areas of work, one sign-in, one book of clients.
Renewals
Check every carrier renewal and answer it in your firm’s name.
Fair renewal, line by line
Upload any carrier’s renewal and see a fair premium for every benefit line beside what the carrier asked.
Nine-step health and dental pricing
Health and dental are repriced from the group’s own claims and the carrier’s own figures, in nine published steps.
Counter in your firm’s name
The renewal report and the carrier challenge go out with your firm’s name, logo and colours.
Type over any counter
Change any line’s counter yourself; the carrier challenge waits for you to read it before it is sent.
Renewals due in 120 days
See every renewal due in the next 120 days with its annual premium, and which ones are overdue.
Share it as a link
Send the client a link to a hosted deck in your firm’s colours, with a password and an expiry, and see when they open it.
Close out with a package
When a renewal settles, generate the client package in one step, or mark the renewal lost.
Renewal history by year
Look back at each client’s renewals year by year: what the carrier asked, what you countered and where it settled.
Clients
Keep every group’s plan, documents and history on one page.
One page per group
Open one client page for a group’s renewals, quotes, claims, booklets, tasks and documents.
Import your book
Bring your client list across from a spreadsheet or a connected CRM, and see what will change before anything is saved.
Search by industry
Sort and filter your clients by NAICS industry code or sector.
Booklets read once
Upload a booklet and its plan design is read and kept on the client’s Documents tab.
Employee census by year
Upload a group’s census in whatever layout it comes in, map its columns once, and compare it year to year.
Plan designs compared
Compare booklets, quotes and contracts side by side, and benchmark a plan design against your library.
Client-ready guides
Send a plan sponsor ready-made benefits guides for them and their staff.
Claims against your whole book
Turn a carrier’s claims experience report into a branded report, measured against the rest of your book.
Inbox & tasks
Forward carrier email in, and pick up the work where it lands.
An address for each purpose
Forward renewals, claims reports, carrier quotes, booklets, commission statements and premium bills to their own firm address.
Filed to the right client
A forwarded document is matched to its client and filed on that client’s page.
A queue for the unmatched
Anything blankit cannot match waits on your Overview for you to review and file.
Every step a task
Each step is logged on the client as a task, and the next step opens as a follow-up.
Bring in past history
Forward old renewals and old claims reports to their own addresses to fill in each client’s history.
Slack, Teams and email
Send a renewal in or ask about a client from Slack, Microsoft Teams or your own inbox.
Market intelligence
Know what is changing for your clients before they ask.
Regulation tracker
Follow Canadian regulatory changes by province, each showing how many of your clients it affects.
Carrier updates
Read carriers’ announcements in one feed; the incumbent’s updates are added to the client’s renewal package.
Carrier scorecard
See which carriers price aggressively and what each one offers.
Rider, the AI guide
Ask Rider about a client, or let it walk you through a job one step at a time, drafting each answer for you to check.
Marketing & growth
Find new groups, take them to market and win them.
Prospects
Track the groups you are quoting, with their own tasks, and convert one to a client when it signs.
Sales funnel
See your win rate, how long a win takes, and why the losses were lost.
Take a group to market
Send a request for quotes to several carriers and compare what comes back on the same terms.
Quote tracking
See which quotes are outstanding, which are in, and which need more information.
Email a carrier
Start an underwriter email from a ready-written template.
Coverage-change requests
Ask a carrier to price a plan change; blankit writes the request and keeps track of the answer.
Reporting
See how the whole book is doing, and where it is not.
Executive summary
A summary of the whole book with a branded PDF: carriers, clients, renewal results and growth by month.
Reports library
Ready-made reports, one click to Excel: renewals by month, outcomes, rate guarantees ending and more.
Book performance
See the average premium increase across the book and by line of coverage.
Claims across your book
See where the book’s health and dental dollars go — the yardstick each client is measured against.
Carriers across your book
See which carriers hold your premium, which way it is moving, and which groups moved.
Red flags across your book
Find the groups out of line with the rest of your book on claims, premium per employee and increases.
Commissions matched to statements
Check each carrier statement against the commission you expected, and export it for QuickBooks Online or Xero.
Employee chatbot usage
See how much each employer’s staff use Paige, and what they ask about.
Paige, the employee chatbot
Staff ask about their own booklet and get the page it came from, in 13 languages.
Employee benefits sites
A plain-language site for each group, built from its booklet.
Under your brand
Reports, carrier emails and employee sites carry your firm’s name, logo and colours.
English and French
The renewal report and the carrier challenge go out in either language.
Use it from your own AI
Connect the AI tool your firm already uses to blankit.
Self-funded book
Compare ASO groups’ admin fees across your book, and see late statements and the latest surplus or deficit.
The client page
One client. One record.
Each upload enriches one client page, and the next renewal starts from there.
Renewals
Every cycle, counter and carrier reply, year after year.
Claims
Experience reports set against your whole book.
Booklets
The plan as written, read once and kept on file.
Commissions
Carrier statements matched to the client they pay on.
Tasks
Every step logged, with the next one already open.
Employee chatbot
Paige answers staff from this client’s own booklet.
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.
The platform
One platform for the whole book
Renewals, marketing, claims and Rider, the AI guide — one sign-in, one book.
Every renewal due in the next 120 days, the premium at stake, and the one thing to do next on each.
- Each renewal opens on its client’s page.
- Waiting on a carrier? A task keeps the chase on your list.
- Overdue renewals are flagged on the Overview.
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.
Sharing
Share it, don’t attach it.
Send clients a branded link or a hosted deck instead of a PDF that goes stale in an inbox.
- A branded share link in place of an attachment
- A hosted client deck, in your firm’s colours
- A password and an expiry on every link
- A notice when your client opens it
Carrier statements
Coming soonCarrier statements, checked.
Billing statements, read into rate tables and checked against the contract.
Billing statements
ASO, HSA and fully insured statements turned into clean rate tables.
Checked against contract
Each billed rate set against the rates the contract says.
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
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.