For benefits brokers and the people who check their work
Four services, bought one at a time. Two are ready today. Two are being built with the brokers who will use them, and carry no price until they are.
the benefit scan · twelve seconds · synthetic pages written for this film · rendered from the same words you read on this site
Choose this if your account team rebuilds plan comparison grids by hand every renewal.
The grids you already send, built from plan-design records, in a new format and legacy formats. Medical live; dental, vision and the other tabs ship with example data, labelled. Open them, change them, send them.
You get: a grid in minutes instead of an afternoon, plan-design fields only, the format version stamped on every file.
See a gridChoose this if you design or compare plans and need the actuarial value and tier you can defend.
Load a sealed plan block, change a copay or a deductible, and read the actuarial value and metal tier as you type. Pin variants side by side. Export sealed blocks and design files. A labelled rule-of-thumb premium sits beside the AV, never in front of it.
You get: an engine that reproduces the federal calculator bit for bit, and a sealed record of every design you priced.
Open the what-ifChoose this if you advise self-funded groups and want the reserve and renewal position before the carrier sends theirs.
Lag-triangle IBNR, runout, twelve-versus-twelve performance and plan-year forecasts, from the claims data the reports already read. Design partners re-run one triangle against a known result before anyone is billed.
You get: a method note with every figure, and nothing called a reserve opinion.
Join the design partnersChoose this if you answer compliance questions and want the primary source in front of you first.
Pin a jurisdiction and a plan type, ask about a rule, and get the quoted state and federal text with section, effective date and retrieval time. No conclusions. A separate column lists how other broker sites read the same rule, dated and unmerged.
You get: the source itself, and a record of what you relied on; the reliance stays yours.
Join the waiting listNot sure which? Account managers start with the grids. Plan designers start with the AV scenario tool. Everyone else tells us the job in the contact box and we point you at one of the two.
Pilot · experiment 001 · Nevada
A research desk for the questions between benefits, policy and real people. Ask a Nevada benefits question, set the client lens (funding arrangement, employer size, market) and follow the evidence trail to its official starting points. A companion reads the answer aloud if you let it.
Demo data throughout: the answers, the watchlist and the sources are illustrative, not verified. Nothing you type leaves your browser; listening is simulated and speech uses your browser’s own voice.
Staff with a login also have the live voice stage (a microphone conversation with the companion, on its own gated address); its link appears below after sign in.
Choose this if you answer Nevada benefits questions and want to see how a research companion would show its work.
Three prepared questions, a fictional legislative horizon, a source atlas of official destinations, and a companion that listens (simulated) and speaks (your browser’s voice). Reduce motion if you prefer.
You get: a working picture of the regulatory retrieval desk before it exists, and nothing called advice.
Open the observatory Staff: open the live voice stage →Underwriting and IBNR, and regulatory retrieval, carry no price until they exist for the people building them with us.
Who we are, in our own words: More than 30 years in the Actuarial / Underwriting profession. Witness to the struggle at every level of the insurance profession. Benefits work that came first, the tooling that grew out of it, and why every number on this site names its source. A desire to take the mundane, make it engaging, and give the gift of time.
Bring one benefit summary and we will read it and show you every line we used.
Send a document[phone] · [city, state] · replies within one business day
Staff prototype, on this machine: sign in with the email on the owner list; no password; the session lasts 24 hours. The live site signs in through its login gate with a one-time code and your authenticator.