01
Challenge every renewal.
Real Canadian actuarial methodology — pool-charge stripping, IBNR loading, credibility blending, TLR gross-up. The math is shown, not hidden, so you walk into the underwriter conversation defensible by default.
Benefits intelligence · for advisors
The whole client, not just the renewal.
A Canadian-built operating system for independent group benefits advisors. Client books, claims experience, plan-design benchmarks, compliance-ready deliverables — and, when the quote arrives, the line-by-line actuarial math to challenge it.
Canadian. Hosted in Montreal. Data at rest stays in Canada.
Advisor-built. Designed by a benefits advisor with 20+ years in the trenches.
Defensible math. Pool charges, IBNR, credibility, TLR — shown, not hidden.
Your brand. Renewal reports, employee chatbot, and client deliverables ship under your firm — not ours.
What it does
Three jobs the MGA used to do, now under your name.
02
Run the whole practice.
Client library, renewal pipeline, claims experience tracking, plan-design benchmarks, carrier scorecards, employee chatbots, quote builders, regulation tracker. One surface instead of fifteen tabs.
03
Canadian by design.
Built for Canadian carriers, Canadian benefits, Canadian regulations — including the QPIP and CNESST adjustments most national tools quietly skip.
What you'll see
The surface advisors actually work in.
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Renewal challenge report
The branded PDF you send back to the carrier — line-by-line math, your firm's logo.
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Practice dashboard
Renewal pipeline, client library, claims experience, and benchmarks in one surface.
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Employee benefits chatbot
Booklet-grounded Q&A for plan members, white-labelled to the employer.
The methodology
Defensible by default.
blankit doesn’t hand you a black-box AI answer. Every renewal challenge runs through a transparent actuarial sequence — the same five steps a credentialled consultant would walk, shown line-by-line in the report you send the carrier.
Read the full methodology- 01
Strip pool charges
Remove the carrier's pooling charge from gross premium to expose the net premium available for group claims.
- 02
Add IBNR
Load incurred-but-not-reported claims onto paid claims to surface the true claim base.
- 03
Trend forward
Project the experience midpoint to the renewal midpoint with line-specific trend factors.
- 04
Credibility blend
Square-root rule blends group experience with a credibility-weighted manual rate.
- 05
Gross up by TLR
Hold the carrier to their own target loss ratio — not a conservative benchmark.
What you get
One surface for every recurring job in the practice.
Renewals
- Renewal pipeline + 12-month calendar
- Carrier-quote analysis with actuarial report
- Renewal history
- Demographic risk profiling
Clients & books
- Client library with booklet storage
- Prospect-to-client pipeline
- Side-by-side booklet diff
Claims & benchmarks
- Claims experience tracking
- Forward claims forecasting
- Plan-design benchmark vs. library
- Carrier scorecard
Deliverables
- 1-page employee benefit summaries
- Ready-to-send client documents
- Pre-canned carrier underwriter emails
- Branded renewal challenge PDF
Employee chatbot
- Booklet-grounded Q&A for plan members
- Per-employer usage reporting
Reference
- Canadian regulation tracker
- Carrier announcements feed
- Quote builder for side-by-side proposals
Try it on a live renewal
Bring the next quote that lands on your desk.
Sign up in under a minute. Upload a carrier renewal PDF. Get the defensible counter-number, the methodology footnotes, and the report to send back — in your firm’s branding.