blankit was built by someone who has lived inside the Canadian group benefits market for 20+ years — running an advisory practice, fighting carrier renewals, and watching the same problems get repackaged as new advisor technology every few years without ever getting solved.
Why this exists
The existing tools weren’t solving the work.
Independent Canadian group benefits advisors have always had two choices: rely on tools built for someone else’s workflow, or stitch together spreadsheets, PDFs, and email threads and hope nothing falls through.
blankit started as the internal tooling of an advisory practice that got tired of waiting for either path to actually serve the client. Real Canadian actuarial methodology, real client books, real claims experience, real deliverables — owned by the firm, branded by the firm, run by the firm.
It’s the platform the founder built for his own practice. Other independent advisors saw it and asked to use it. That’s the whole origin story.
Who built it
Chris Gory
Founder & Principal Advisor · Orchard Benefits
Chris has spent 20+ years in the Canadian group benefits market — advising plan sponsors and challenging carrier renewals through his own advisory practice, Orchard Benefits. blankit didn’t start as a startup; it started as the tooling he needed to do that work properly and couldn’t buy off the shelf.
A real Canadian actuarial engine, one client library feeding every deliverable, reports branded to the firm rather than the vendor — he built it for Orchard first. When other independent advisors saw it, they asked to run it too. That’s the whole reason blankit is a platform and not just an in-house tool.
“If a renewal challenge can’t survive carrier pushback, it isn’t worth sending. The math has to be defensible line by line — that’s what I built blankit to guarantee.”
A renewal challenge that survives carrier pushback is math, not vibes.
Every step in the methodology — pool-charge stripping, IBNR, credibility, the target-loss-ratio gross-up — is shown line-by-line on the report you hand the carrier. Nothing hides behind a confident-sounding summary.
What we believe
Five convictions, baked into every decision.
01
Advisors deserve their own infrastructure.
Your firm should own its tools outright. blankit is priced per advisor — a flat subscription, not a revenue share.
02
Math beats vibes.
A renewal challenge that survives carrier pushback is a defensible actuarial sequence, not a confident-sounding AI summary. Every step in the methodology is shown on the report.
03
Your client book is the engine.
Claims analysis, renewal challenges, benchmarking, plan summaries, the employee chatbot, and Rider — the built-in AI guide — all run off one client library. Build it once, and every tool downstream gets sharper.
04
Canadian tools for a Canadian market.
Provincial benefit offsets, bilingual carrier formats, ca-central-1 data residency, regulatory tracking that actually tracks Canadian regulations.
05
Your brand on every deliverable.
Reports, summaries, chatbots, portals — branded with the firm’s logo, colors, and tone. The client never has to know blankit exists.
What we built
The surface advisors actually work in.
Practice dashboard
Renewal pipeline, client library, claims experience, and benchmarks in one surface.
Renewal pipeline
Every renewal in flight, urgency-sorted — proposed, fair, and negotiated increases side by side.
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 cost-containment findings.
Employee benefits 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.
Checking status…. Canadian-hosted in ca-central-1, monitored in real time.
Bring the next quote that lands on your desk and see the defensible counter-number, the methodology footnotes, and the report to send back — in your firm’s branding.
