The Underwriter's Briefing
Know what the
renewal should cost.
An independent actuarial and underwriting practice. We deploy the Claros Analytics platform plus proprietary models to give plan sponsors a PEPM ceiling they can defend with zero carrier overrides.
What We Deliver
Underwriting that survives scrutiny.
Independent PEPM Range
A defensible per-employee-per-month ceiling built from your claims, not the carrier's renewal letter.
Stop-Loss Modeling
Specific and aggregate attachment points stress-tested across scenarios, with laser and lag-triangle analysis.
IBNR & Reserving
Incurred-but-not-reported reserve estimates and completion-factor modeling you can take to a board.
Funding Feasibility
Self-funded vs. level-funded vs. fully-insured, with full cash-flow stress testing and risk corridors.
Renewal Defense
A line-by-line independent rebuttal to the carrier's renewal, with the levers quantified.
Committee-Ready Output
Fiduciary-grade deliverables calibrated to the audience, from CFO summary to full actuarial appendix.
Get in touch
Request an independent
underwriting analysis.
Bring your claims and current renewal. We'll return a defensible range, plus where to push.
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