“What would it cost to add that?”
A sponsor wants vision added, or the paramedical cap lifted, or a second opinion on dropping the drug card. Somebody has to write the carrier a precise description of the plan they want priced, chase them for three weeks, and then turn whatever comes back into something the client can read. blankit does the writing, the chasing and the document.
Composed from the booklet on file
You say what you want changed. blankit writes it as an underwriter needs to read it — the benefit line, the element, what it is today and what you are asking for — using the plan design already extracted from the client’s booklet.
The current side is never guessed
A “what it is today” figure can only come from the booklet. With no booklet on file there is no current side, and the ask renders with no arrow at all rather than an arrow pointing out of nothing — “→ $750” reads as a plan that covers nothing today.
Frozen the moment it is sent
The subject and body are stored as sent and cannot be edited afterwards. A booklet figure can move between composing and sending, and the record has to show what the carrier actually received. Your own notes stay editable — they are not a claim about what went out.
The plan design, the question — and no number of ours.
Only the carrier prices a change
The email describes the design and asks what it would cost. A requested change that carries a price is stripped before the email is built — a check on the way out, not an instruction we hope was followed.
Your reasoning stays yours
Where the ask came out of plan-change modelling — what a coinsurance step or a cap would have done to this group’s own claims — that analysis is advisor- only and never reaches a carrier-facing surface. The underwriter is asked to price a design, not shown what you are hoping to save.
Which is also why the ask is worth automating at all: the precision an underwriter needs is tedious to write and easy to get slightly wrong, and a slightly wrong description comes back priced as a plan the client did not ask for.
A request nobody has answered in a fortnight starts saying so.
Every sent request opens one task, on the client, and closes itself when the pricing lands. Past fourteen days with nothing back, it joins your daily digest — and your Slack channel, if you use one — with how long it has been waiting.
A reply that has arrived and is still sitting unfiled is flagged harder than an overdue one, even when there is only a single one of them. An overdue request means a carrier has not answered yet. An unfiled reply means one has, and your board is telling you otherwise — that is a wrong statement rather than a slow one.
It finds its own request, or it refuses to guess
A quote arriving by email is matched to the ask it answers only when exactly one open request fits. Two that fit, or none, and it is set aside for you to point at the right one — from that document’s own shortlist, never your whole client list.
One document cannot answer two asks
Forward the same carrier letter twice and the second one parks rather than quietly closing a second request on an answer that was never given. That holds whether the two arrive a week apart or the same second.
Out comes a document for the sponsor
The pricing becomes a Coverage Revision Pricing one-pager, deck or web page in your firm’s branding. Where the carrier’s quote states no current side, the monthly difference is shown as unknown rather than as zero.
A quote that answers no request at all is priced anyway. The pricing tool works on an unsolicited carrier quote that came out of a conversation blankit was never part of — you do not have to have raised a request first.
Capping drugs is cheaper than it looks, and harder to undo than anyone expects.
A fully-insured plan with unlimited drug coverage sits under the industry drug-pooling arrangement. Put an annual drug maximum on it — the figure does not matter — and it no longer qualifies. Going back later is not a formality: the plan re-qualifies as a new group, and the carrier may decline to restore unlimited drugs at all.
So a quote that introduces one carries that in writing, in the same words every time, wherever it is presented. Only that quote does. A plan already carrying a $5,000 maximum being quoted at $10,000 is not losing anything it still has, and a warning printed beside every drug figure is a warning nobody reads.
From the client’s own Coverage changes tab, from an open renewal — where the plan changes worth asking about are already listed beside the analysis — or from the carrier liaison board, alongside everything else you are waiting on an insurer for.
It is advisor work and stays advisor work. The sponsor-facing renewal deck deliberately has no button that emails a carrier.
Stop writing the same email to four underwriters.
We will walk through a live one with you — the ask, the chase and the document the sponsor ends up reading.