From the carrier challenge to a new hire’s coverage summary. Every example is a live PDF from the real engine, on invented data.
Challenging the renewal
The two-page carrier-facing deliverable: claims-vs-premium loss ratios and the defensible "fair" premium that challenges the proposed increase — health and dental priced on the group’s own claims, with the STD counter shown as a negotiating position.
Carrier-facing · PDF
Challenging the renewal
The letter that goes back to the underwriter: the fair premium per benefit, the basis for each figure, and the ask — with every rated figure drawn from the carrier’s own exhibit.
Carrier-facing · PDF
Challenging the renewal
The advisor’s working deep-dive: experience analysis, credibility-blended trend, the full actuarial walk from proposed to fair premium, the carrier’s alternate rates, the client’s coverage at a glance, plan levers and the negotiation strategy.
Internal · PDF
Challenging the renewal
What the plan sponsor receives once the renewal settles: an executive summary, how the premium was reached, every set of rates the carrier sent, cost-containment and coverage options, five years of renewal outcomes and rates, a workforce risk profile, legislative changes and next steps.
Client-facing · PDF
Challenging the renewal
A one-page, year-over-year summary of what changed in a plan — added, removed, and changed provisions grouped by benefit line.
Client-facing · PDF
Taking it to market
A client presentation listing every carrier quote with its rate caps, guarantees and footnotes, then comparing three finalists field by field — flagging premium outliers, coverage gaps, any carrier that came back off the requested design, and inconsistent financial terms (pooling thresholds, virtual care, HCSA fees) — plus a consolidated assumptions-and-conditions page covering what the quoted rates assume and when they lapse.
Client-facing · PDF
Claims & member experience
A branded, plain-language read on where the plan’s money is going — loss ratios over time, the top cost drivers, paramedical and drug detail, and how the group compares. Drug-savings programs are only cited after checking the medication against the program’s live covered list.
Client-facing · PDF
Claims & member experience
The one-page “what am I covered for” handout, pulled straight from the plan booklet — what HR gives every new hire.
Member-facing · PDF
Compliance & intelligence
A province-by-province briefing on the legislative and regulatory changes affecting a plan — what changed, and what it means for cost and plan design.
Client-facing · PDF
Names, carriers and figures are invented. Your reports carry your branding and your clients’ numbers.
Upload a renewal and get these documents on your numbers, in your firm’s name and colours.
