As underwriting becomes more and more complex, the value of having a team of experts who truly understand this complicated arena becomes even more essential. KBI's team of underwriting experts provide the following:

  • Employee contribution modeling
  • In-depth contribution strategy and analysis
  • Validating fully-insured renewal calculation
  • Employer total benefit cost/budget analysis
  • Financial analysis for self-funded medical/prescription/dental
  • Self-funding rate setting
  • Benefit plan design pricing - increments/decrements
  • Mid-year claim/renewal projections
  • IBNR calculations (self-funded)
  • Medical loss ratio calculations
  • Alternative funding feasibility analysis
  • Demographic analysis