7 of 10 design partner spots open

Send your next renewal. Get the memo back in 90 seconds.

For US group benefits brokers running 30–100 group clients. Sign up, upload the carrier renewal package, and our agent pipeline drafts the HR memo in your voice in 90 seconds — with a human reviewer signing off before it ships. First renewal's on us. $99 after.

No signup · 90-second demo · sample renewal pre-loaded
Prefer email? We accept email uploads too →
~90 secAI processing time
~$640producer time saved
$99per renewal · first one free
● COMPLETE · 87s   Riverbend Logistics · 2026 renewal

Memo draft · in your voice · ready to forward

Maya —

Anthem's 2026 renewal landed for Riverbend. Premium up 4.8% — slightly below market — but three changes I want you aware of before open enrollment:

1. Methodist Dallas dropped from Tier 1

Your top-utilization facility (22 admissions, 184 ER visits in 2024) is now Tier 2 — members will see 30% coinsurance instead of 20%. This will generate complaints in October.

2. Specialty Rx coinsurance up 25% → 30%

Affects 4 enrolled members. Annualized OOP impact ~$2,800 each. Worth flagging Maya in advance.

3. Worth re-opening the HDHP question

Decision Memory shows Maya declined HDHP/HSA in 2025 because of "workforce engagement." With Tier 1 narrowing, the gap shrunk. Worth bringing fresh quotes.

Edit before approving · Decision Memory updated · auto-flag set for 2027
8 hrs
producer time per renewal
→
90 sec
with the agent pipeline
~$640
producer cost per renewal*
→
$99
flat per renewal · 1st free
*assumes loaded $80/hr cost
"

Renewal season is six weeks of reading thirty-page SBCs, comparing four carriers, writing custom memos for HR, and hoping nothing slips through. Then a client calls in March asking why their Tier 1 hospital is suddenly out of network.

— A producer with 80 group clients
How it works · upload, watch, send

Drop the renewal in. Get the memo back in 90 seconds.

Upload the carrier renewal package in the app. The agent pipeline runs end-to-end in ~90 seconds. A reviewer signs off, then you get the draft memo as an editable Google Doc — your name on it, not ours.

01
Upload the renewal.
SBC, rate sheet, plan summaries, BenAdmin export — drop them into the app. Tag the client and (optionally) attach last year's binder. Total clicks: about four.
Drag-drop · CSV · or paste from email
02
Agents process. Human reviews.
Five agents in sequence — SBC parsing, year-over-year diff, materiality scoring, memo drafting, Decision Memory update. ~90 seconds end to end. A reviewer skims for hallucinations and voice match before it ships.
90 sec AI · ~10 min review · in your dashboard within 1 hr
03
Edit, approve, send.
Memo lands in your dashboard as a Google Doc. You make any changes, you approve, you send to HR. Liked it? Send the next renewal for $99. Didn't help? We go away — no awkward sales calls.
No CC required · cancel anytime · zero contract
What runs when you upload a renewal · the agent pipeline

Five agents. Ninety seconds. One reviewer.

An agent stack — not a person — does the work. Each stage has a single job and a structured output, so we can verify accuracy at every step. A human reviewer skims the final output before it ships, until the brokerage trusts auto-approve.

1Ingest
Ingestion agent
SBC PDF → structured plan data. Vision LLM extracts deductibles, OOP maxes, network tiers, formularies into a normalized schema.
~25 sec
→
2Compare
Diff agent
This year's structured data vs. last year's. Deterministic — every key/value change surfaced. No hallucination surface area.
~5 sec
→
3Score
Materiality classifier
Each change scored against a rubric tuned on broker-written memos. Network tier shift = critical. OOP max +$500 = minor.
~15 sec
→
4Draft
Memo writer
Takes diff + findings + your voice samples + Decision Memory from prior years → drafts the renewal memo as a Google Doc.
~40 sec
→
5Log
Memory updater
Writes structured Decision Memory entry — recommendation, rationale, source evidence, tagged for re-flagging next cycle.
~5 sec
→
6Verify
Human reviewer
Skims for hallucinations, voice match, edge cases the agent missed. Approves or routes back. Phases out per brokerage as accuracy proves.
~10 min
AI processing
~90 sec
Stages 1–5 run sequentially, end-to-end, on every renewal you send.
Hallucination defense
3 layers
Structured schemas at every stage, deterministic diff, human verifier on each output until trust is earned.
Auto-approve threshold
~50 renewals
After ~50 reviewed renewals per brokerage, you can opt into direct delivery — no review queue, agents only.
The differentiator

Decision Memory: institutional knowledge that survives turnover.

Every renewal memo we send becomes part of your client's history. The recommendations you made. The ones the client declined and why. The acknowledgments captured.

Year two, when you send the next renewal package, the memo references what came before. "You recommended HDHP last year, Maya declined, here's why that decision should be revisited." That continuity is what your AMS doesn't give you. It's what new producers can't reconstruct after staff turnover.

  • ✓
    Recommendation logged — with the source data and carriers shopped.
  • ✓
    Decline captured — email or signed acknowledgment attached.
  • ✓
    Re-flagged automatically — when the basis for a decline changes, we surface it next cycle.
  • ✓
    You own your data — exportable as PDF or CSV anytime, no lock-in.
Riverbend Logistics · 4-year decision memory
2026 · Jun 18 · FLAGGED
Network change makes 2025 HDHP decline worth revisiting
Anthem narrowed Tier 1 — affects 2025 HDHP/HSA decline rationale
2025 · Jun 22 · DECLINED
HDHP/HSA dual option — declined
"Workforce won't engage with HSA." — M. Patel, HR Director
2025 · Jun 14 · RECOMMENDED
Add HDHP tier — projected 9% premium savings
Cigna $4,500 deductible HDHP · employer HSA seed $750
2024 · Jul 1 · BOUND
Renewed Anthem Blue Access PPO
$1.28M premium · 4.2% increase
2024 · Jun 12 · DECLINED
Level-funded plan transition — declined
Reason: claims history risk · revisit at 2026 renewal
2023 · Jul 1 · BOUND
New client — Anthem Blue Access PPO
$1.16M initial · medical + dental + vision + group life
What's real today · what's not

Honest scope.

We're at design partner stage. We won't oversell what isn't there yet.

Working today

SBC parsing & YoY comparison

SBCs are an ACA-standardized form (45 CFR §147.200) with a defined schema. Our ingestion agent parses them reliably across the major medical carriers. Dental and vision parsing is template-based and works for the top 8 carriers.

Working today

Five-agent pipeline · ~90 sec

Ingest → diff → score → draft → log. End-to-end AI processing on every renewal you send. Structured schemas at each stage cap hallucination surface area. Reviewer in the loop until accuracy is proven on your book.

Working today

Decision Memory log

Recommendation, decline, and acknowledgment tracking per client. Exportable. Year-over-year continuity from cycle one — and the input that lets the memo writer reference last year's decisions in this year's draft.

Roadmap

Auto-approve direct delivery

After ~50 reviewed renewals per brokerage, the human review step becomes optional — memo lands in your dashboard direct from the agents. We don't ship this on day one because we don't yet trust ourselves on every brokerage's voice. Per-brokerage opt-in.

Roadmap

BenAdmin / AMS integrations

Employee Navigator, Ease, Applied Epic — all on the roadmap. Today the agents run alongside them, not inside them. CSV import works fine. Direct API push targeted for renewal cycle 2027.

Roadmap

E&O legal warranties

Decision Memory is operationally useful from day one. Specific legal admissibility claims will wait until we have outside counsel review and a customer reference. We don't oversell what's untested.

The offer

Your next renewal — on us.

We're recruiting our first ten paying brokerages. To get there, we want to do real work for you, on a real renewal, before you pay anything. If it's useful, the next one's $99. If it's not, we'd rather know now than waste another minute of your time.

STEP 01
Request access
Drop your work email below. We respond within one business day to schedule a 15-min onboarding call. BAA signed before any client data flows.
STEP 02
Upload your first renewal
Drag a real renewal PDF into the app. Tag the client. That's the whole ask.
STEP 03
Memo lands in your dashboard
~90 sec AI processing + ~10 min reviewer. Edit and approve. Your name on the memo, not ours.
STEP 04
You decide on the next one
Loved it → next is $99. Want flat rate across your book → 15-min call. Didn't help → we go away.
REQUEST ACCESS · 7 of 10 design partner spots open
Get your first renewal review free.
Three fields. We respond within one business day.
No spam. We email you to schedule the onboarding call, then it's just product.
Common questions

Things brokers actually ask us.

Do I need to sign anything?
Not for the free renewal. For the $99 second renewal we send a one-page mutual NDA — your client data is yours, ours is ours, neither side talks. No long-term contract, no auto-renew, no per-seat math.
Is my client's PHI protected?
We sign a BAA before processing your first renewal. Data is processed inside encrypted infrastructure, deleted from working memory after the memo is delivered, and the only thing retained is the structured Decision Memory entry — plan-design facts, not member-level PHI.
Will the memo read like AI wrote it?
Send us 2–3 of your past renewal memos and we'll feed them into the memo writer as voice samples. The first draft will read like one of your producers wrote it. If it doesn't, tell us — we'll redo it. Voice match is the part our reviewer scrutinizes hardest before sending.
What stops the AI from hallucinating?
Three layers. Structured schemas at each pipeline stage so outputs are validated, not free text. Deterministic diff — the year-over-year comparison is code, not LLM-generated. Human reviewer on every output until the brokerage opts into auto-approve. Hallucinations show up in voice and framing, not facts.
Who is "we"?
Small team. Healthcare-payer industry background. Direct line to the founder for every design partner brokerage — you'll get our cell number after the first renewal goes through. You'll never get a sales rep on the phone.
How does getting access actually work?
Request access through the form on this page. We respond within one business day to schedule a 15-minute onboarding call. On the call we sign a BAA, capture 2–3 of your past renewal memos as voice samples, and provision your workspace. You're uploading your first renewal the same day. No long sales cycle, no procurement gauntlet.

One renewal. One hour. Free.

We're not asking you to evaluate a platform. We're asking you to forward one PDF and judge what comes back.

hello@brokera.one
click to copy · we reply within 1 business hour Mon–Fri Pacific