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Guaranteed Group Benefits



In an effort to provide our clients with the best possible value, Accurate Design Benefits has created a proprietary group benefits platform called “Guaranteed Group”. Within this program, we are able to provide the following underwriting guarantees:

Trend:

  • Health 11.5%, guaranteed for 2 years
  • Dental 5.5% + fee guide, guaranteed for 2 years
  • 27 Month Rate Guarantee for LTD Life and AD&D

Expenses*:

  • 15-50 lives = 16%
  • 50-100 lives = 14%

Target Loss Ratio (TLR)**:


  • 15-50 lives = 84%
  • 50-100 lives = 86%

These guarantees continue to provide the lowest possible operating cost for a benefits plan. For more information about how Guaranteed Group can benefit your organization, please feel free to contact us with any questions.

* Expenses include: premium tax, general admin, broker compensation, claims payment, risk & profit.

** Target Loss Ratio (a.k.a. Required Loss or Break-Even Loss Ratio) is the percentage of premium that an insurer can return to employees and still make a profit.

 
 
 
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