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.
And a fair premium never shows a cut deeper than 20%, roughly where carriers cap a reduction. A carrier already offering more than that is accepted as offered.
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.
The client’s renewal package goes further than the arithmetic: a month-by-month claims run-rate, the one-off claims in the carrier’s breakdown (a prosthetic, medical equipment, travel) and whether each was argued, the terms the insurer set out in its covering email, the carrier’s top drugs with cost-management options and any innoviCares or RxHelp ONE savings card that lists them, how drug spend moved on the prior year, the drug-savings programs your firm has approved, the plan’s renewals year by year with the compounded and average increase it settled at against what the carriers asked for, and a next-steps page of what the sponsor has to decide.
Precedence, not a table of hardcoded percentages.
Every input follows the same order: the carrier first, your client’s assumptions next, a flagged reference value last.
The carrier’s disclosed figures
A trend, IBNR factor or target loss ratio the renewal states is used exactly — arguing from their own number is the strongest position. A credibility the carrier discloses is used as disclosed. Two exceptions: blankit never prices Extended Health or Dental on an IBNR under 4%, and uses your client’s saved figure when the renewal’s is more than double it, under half of it or on the other side of zero, because a gap that wide is a misread, not a real difference. A figure you enter outranks everything.
Your client’s saved assumptions
Where the renewal is silent, or its figure is so far from the client’s that it must be a misread, the figure comes from the client’s own assumptions — your booklet library, a value you enter, or your CRM if you use one.
Flagged platform reference values
Only when neither exists does blankit use a platform reference figure, and your analysis screen flags it as one. Target loss ratio and IBNR have none — blankit asks you instead.
Never defaulted: the EHC and Dental target loss ratio and IBNR factor. If nobody supplies them, the analysis stops and asks you — though one target loss ratio is enough: given for health or dental alone, it is used for both, and labelled as such. A fully pooled group needs neither — mark the client pooled and blankit stops asking. Nor is the length of the experience period on a health or dental line: blankit reads it off the carrier’s own from-and-to dates, and asks you rather than assuming a span, because that figure sets both the per-member cost and how far the claims are trended.
Quotes compared on the terms that hide in the fine print.
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. A line that is already self-funded renews differently: there is no insured rate to challenge, so the analysis reviews the administrator’s fee, the claims budget, the reserves and the stop-loss against the group’s own claims instead, and sets the fee against what the same administrator charges your other self-funded groups. And once a group has moved to ASO, the administrator’s statements show how it is actually doing: claims, fees, stop-loss and taxes against the deposits and the budget, the reserves held, and months with no statement marked as not reported rather than counted as zero. Statements can be forwarded by email, and a task opens when the next one is late.
Run every advisor firm in your group from one account.
Each firm stays its own
Every advisor firm in your group keeps its own name, logo, documents, carriers and clients, in databases of its own. Nothing is shared between firms.
One sign-in, every firm
Your team signs in once and works across as many firms as they need, switching from the bar at the top of the page. There are no per-firm logins to hand out or take back.
Everything due, in one list
Across your firms lists every open renewal, every task due this week and every data check to review, in every firm, soonest first. Your team gets the same summary by email each Monday.
Your firms, side by side
The group benchmark compares the firms: what carriers asked, what each renewal settled at and what it saved, firm by firm and carrier by carrier, against where renewals settle across the market — with each firm’s health and dental loss ratio, and its claims mix beside your group’s and the market’s. Download the whole table as Excel or CSV.
The MGA holds the account: you add firms, set each one up with its own branding, see what each one uses, and remove a firm when it leaves. Removing one closes it and deletes nothing, so it can be reinstated exactly as it was.
