Is there any cost or obligation?
No. This is the same review we’d do before proposing anything, with no obligation to act on it. You do not sign a broker of record letter to get it, and the authorization for missing documents only lets the carrier release your own information to us. If you later want us to go to market for you, that is a separate decision.
No cost, and no obligation to act on what you learn.
The second opinion is free. We do not charge for the read, and there is nothing to sign to receive it.
If you decide later to work with us, that is a separate discussion, and you would see exactly what it involves before agreeing to anything.
What the answer covers.
The Read Itself
A written assessment of where your renewal stands and what each lever would do.
A Call to Walk Through It
An optional conversation about what it means for your decisions.
The Decision
Whether to act, and when, remains entirely yours.
What the Review Does and Does Not Involve.
The review is the same analysis we would do before proposing anything. It uses your documents to compare the renewal with the market, find the drivers of cost and set out options. It does not involve us contacting your carrier or broker unless you ask.
What it does not involve is a commitment. You do not sign a broker of record letter, you do not agree to a fee and you do not agree to a follow-up. If you want to talk about working together after reading it, that is a separate conversation.
Many employers find the review useful whether they act on it or not, because it documents that the renewal was checked.
Questions about cost.
Why is it free?
Because we would rather earn your confidence with a useful answer than ask for it up front.
Is there a catch?
The only ask is the documents themselves. If you later choose to work with us, that is an agreement you would sign knowingly.
What does a future engagement cost?
It depends on your situation, and we would explain it before you agreed to anything.
Do we have to meet with you?
No. You can read the written result on your own. A walkthrough is offered if you want one.
Can we ask you to stop?
Yes, at any time. Nothing is owed.
What do we owe if we do nothing?
Nothing.
General information, not legal advice. Plan-specific questions belong with your counsel, and we will bring them in.
Where to go from here.
Back to send us your renewal →
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