From the carrier challenge to a new hire’s coverage summary. Every example is a live PDF from the real engine, on anonymized data.
Reprice the carrier’s ask against a defensible fair premium — then take the outcome to the client.
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.
The internal deep-dive: experience analysis, credibility-blended trend, and the full actuarial walk from proposed to fair premium.
A one-page, year-over-year summary of what changed in a plan — added, removed, and changed provisions grouped by benefit line.
Shop the group and present the field side by side.
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.
What the plan is spending on, and what each member is actually covered for.
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.
The one-page “what am I covered for” handout, pulled straight from the plan booklet — what HR gives every new hire.
The regulatory changes that move a plan’s cost and design.
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.
Also built from the client record, under your brand:
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.
