blankit doesn’t guess the renewal number. It runs the Canadian actuarial sequence a credentialled consultant would, on every line with claims experience, and shows each step in the report you send the carrier.
Three moves, roughly ten minutes. Rather not upload? Forward it to your firm’s email-in address, drop it in a connected cloud folder, or send it from Slack or Microsoft Teams. Rider, blankit’s AI guide, keeps the rest of the file moving — or ask your own AI chatbot.
01
Upload
Any carrier’s format — Canada Life, Sun Life, Manulife, Desjardins, Medavie Blue Cross and the rest — as a PDF, experience workbook or photographed pages. Add the covering email: rate caps and pooling changes often live only there.
02
Analyze
Every benefit line — EHC, Dental, Life, Dependent Life, AD&D, Critical Illness, STD, LTD, EAP — is priced on the path that fits it, line by line, in carrier-comparable units.
03
Report
A renewal challenge report in your firm’s logo and colours: executive summary, line-by-line math and a recommendation the carrier can’t hand-wave away.
Five core adjustments inside a nine-step sequence. The same logic is footnoted on the report, so the answer to an underwriter’s pushback is already on the page.
1
Pool-charge stripping
Isolate the group’s own experience.
2
IBNR completion
Load unreported claims — never defaulted.
3
Trend to renewal
Project forward to the period being priced.
4
Credibility blend
Weigh experience against the manual rate — never their ask.
5
TLR gross-up
Hold the carrier to their own target.
Every step, EHC / Dental
Strip large claimants from the claims
Claims above the carrier’s stated pooling threshold come out, leaving the experience the group is responsible for.
Remove the pooling charge from gross premium
What’s left is net premium — the money actually available to pay the group’s claims.
Complete the claims with IBNR
Incurred-but-not-reported claims are added. The figure comes from the carrier, your library or you — never guessed.
Compute the real net loss ratio
Incurred claims ÷ net premium. Usually higher than the carrier’s quoted ratio, and it’s the negotiating number.
Trend to the renewal midpoint
Experience is projected to the period being priced, on the renewal’s own trend where it states one.
Credibility-blend against the manual rate
The square-root rule weights the group’s own experience against last year’s rate trended forward — never the ask being challenged.
Gross up by the carrier’s own target loss ratio
The carrier’s own pricing target, with the pooling charge put back so the comparison stays like-for-like.
Run the carrier’s own rate formula
Where the renewal prints its loss ratios, target, trend and credibility, blankit runs their formula and never counters above it.
Cap at the carrier proposal
The fair premium never exceeds the ask. Where the math supports the ask, the line reads as defensible rather than challenged.
The nine steps apply to EHC and Dental, the lines a carrier rates on the group’s own claims. Life, Dependent Life, AD&D, Critical Illness, disability and EAP aren’t experience-rated, so they aren’t argued on claims math. They still open just below the ask, and the report says which figures are rated and which are position.
Some lines are accepted exactly as proposed, because countering them would cost your client: a contractual rate cap the carrier honoured; a decrease on a line whose own claims argue for an increase; a pooled rate held flat on an ageing group; a fully pooled group; and a disability line the carrier’s own published method already supports. That last finding is yours alone — the carrier’s copy says only that the line is accepted. A breached cap is challenged, with the capped rate as the target.
Where the renewal includes age-band tables, blankit splits an age-rated line’s increase into what an older census explains and what is the carrier repricing — drawn from their own numbers.
Every input follows the same order: the carrier first, your client’s assumptions next, a flagged reference value last.
01
Preferred
A trend, IBNR factor or target loss ratio the renewal states is used exactly — arguing from their own number is the strongest position. Credibility is the exception: blankit never takes less than its own standard. A figure you enter outranks everything.
02
Fallback
Where the renewal is silent, the figure comes from the client’s own assumptions — your booklet library, a value you enter, or your CRM if you use one.
03
Last resort
Only when neither exists does blankit use a platform reference figure, and the report flags it as one.
Never defaulted: the EHC and Dental target loss ratio and IBNR factor. If nobody supplies them, the analysis stops and asks you. A fully pooled group needs neither — mark the client pooled and blankit stops asking.
Market a prospect or a client. Every quote is shown with its caps, guarantees and footnotes, and three finalists go head-to-head on the terms that decide what it really costs.
Forward a carrier’s reply and its covering email is read too. Where the two disagree, the document wins and the difference is reported.
A claims outlook projects each quote three to five years out, showing the year the group’s trended claims outrun what the premium leaves to pay them.
Pooling threshold
A higher threshold is risk quietly moved back onto the plan.
Virtual care
Bundled or billed extra, so a cheaper quote isn’t just a thinner one.
Health spending accounts
The admin fee on HCSA dollars that never shows in the premium.
Critical Illness terms
What the CI benefit actually covers, carrier by carrier.
The design you asked for
A quote that answers a different design is flagged, not filed as cheaper.
Coverage levels side by side
Each level priced gets its own rate page, compared only against carriers who quoted it.
The same analysis can be read against self-funding health and dental (ASO): projected claims, fees, stop-loss and taxes beside the insured premium, with a breakeven. An ASO saving depends on claims and is never guaranteed, and the comparison says so.
In the product
Practice dashboard
Renewal pipeline, the Clients hub, claims experience, and benchmarks in one surface.
Renewal pipeline
Every renewal in flight, urgency-sorted — proposed, fair, and negotiated increases side by side.
Client dashboard
Where a group stands at a glance — the renewal in flight, what the plan costs, and the years of premium and claims history behind it.
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 category mix.
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.
Bring your latest carrier renewal and we’ll step through it on screen — including where the engine stops for a figure the carrier never disclosed.
