What each carrier said, including the ones that said no.
A quote you never took is still information, and it goes in the record.
Everything that came back.
Not only the winner.
Each Carrier’s Response
The number, the plan, the guarantee and the conditions.
Declinations and Why
When a carrier does not quote, the reason is part of the picture.
Fine Print
Exclusions, waiting periods and anything that makes a number conditional.
They carry information.
A market test is only as convincing as its record.
It Shows the Market Was Tested
The record proves who was asked, with what file, and when.
It Prevents Asking Twice
Next year we know which carriers declined and why.
It Explains the Decision
Anyone can see why the choice was made.
As evidence.
Rather than assurance.
At Renewal
The record is the starting point for the following year.
With Your Board
It answers whether the market was tested.
When Someone Says the Market Is Better
The record shows what the market actually offered.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
What is recorded when you take our renewal to market?
We record each carrier’s response in writing, including the number, plan, guarantee, and conditions. We also keep declinations with their reasons and the fine print, such as exclusions and waiting periods, so quotes can be compared like for like on the same held census.
Why keep the carriers that said no instead of only the quotes we accept?
A quote you never took is still information. The record shows the market was tested and explains the decision you made. Declinations and their reasons become part of the documented history for your group.
How can we use the written market record after the renewal is done?
You can use it at your next renewal, in conversations with your board, and when someone claims the market is better than what you have. Because every response is documented, you can answer with what each carrier actually said instead of relying on memory.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.