01
We read what you have
What you are paying, what the plan actually does, and where the renewal increase is coming from. Usually a couple of days.
No charge, no commitment
Send us the documents. We will tell you what we find.
A renewal review costs nothing and commits you to nothing. No broker-of-record letter until you have seen the numbers — if we cannot improve on what you have, we will say so and you carry on as you were.
What it costs you
- About ninety minutes. That is the whole ask — gathering documents and one conversation.
- No fee. We are paid by the carrier if you appoint us, and commission is disclosed in writing before you do.
- No broker-of-record letter until you have seen the numbers and decided you want to.
Have these ready
- Census — dates of birth and zip codes
- Current plan documents and rate sheet
- This year's renewal letter
- Claims experience, where the carrier releases it
Missing one? Send what you have. We can usually get the rest from the carrier.
After you send it
Three steps, and you decide at the end.
02
We market the group
A written submission to carriers rather than a bare census — the difference that moves a quote. Only if you want us to take it that far.
03
You see it side by side
With a recommendation attached. When the answer is to stay put, we say that — and you owe us nothing.
Ninety days out is the right time. Sixty still works.
Thirty is tight but not hopeless. If your renewal has already passed, call anyway — we will start on next year.