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AI agent for benefits administrators

Renewal Quote Comparison Agent

Produce an accurate side-by-side comparison and recommendation memo.

DecisionsAnalysisHuman resourcesInsurance
See how it worksGet access
Renewal Quote Comparison Agent: what goes in, what the agent does and what you get

What it does

Benefit renewals arrive as long documents in different formats, and comparing them takes days. When quotes arrive, this agent reads each one and puts them into the same table: premiums by tier, deductibles, copays, network, exclusions and rate guarantees. It compares costs and terms, tests scenarios such as a 10% enrollment change, and drafts questions to brokers about unclear items. Each broker answer is added and the comparison rerun before the memo is approved. The administrator approves the questions and the final memo. Edge case: one quote assumes a different number of employees, so the agent flags it and asks for a rerate.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedYes, continueApprovedNoNo 1 STARTS WHEN Renewal quotes arrive 2 USES A TOOL Read each quote document 3 DOES Normalize costs and terms into one table 4 CHECKS THE RESULT Do all quotes use the same census and assumptions? If not: ask the broker to rerate or note the difference.Back to step 3. 5 DOES Run scenarios on enrollment and cost 6 YOU APPROVE Administrator approves the drafted broker questions 7 USES A TOOL Send questions and add the answers 8 CHECKS THE RESULT Are all questions answered and the table rerun? If not: chase the broker and rerun with new data. Backto step 7. 9 DOES Draft the comparison memo 10 YOU APPROVE Administrator approves the memo 11 RESULT Renewal comparison memo
Read the steps as a list
  1. Renewal quotes arrive
  2. Read each quote document
  3. Normalize costs and terms into one table
  4. Do all quotes use the same census and assumptions?If not: ask the broker to rerate or note the difference. Back to step 3.
  5. Run scenarios on enrollment and cost
  6. Administrator approves the drafted broker questionsThe agent waits here for your OK.
  7. Send questions and add the answers
  8. Are all questions answered and the table rerun?If not: chase the broker and rerun with new data. Back to step 7.
  9. Draft the comparison memo
  10. Administrator approves the memoThe agent waits here for your OK.
  11. Renewal comparison memo

How it decides

It compares on the same census and flags any quote with different assumptions.

  • Compare on total annual cost per tier
  • Flag a premium increase over 10%
  • Flag changes in network or exclusions
  • Rerun after every answer

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Scenarios to test
  • Rate increase flag (default 10%)
  • Memo format
  • Broker contacts

What keeps you in control

It always asks you first

  • Administrator approves broker questions and the memo

Hard limits

  • Never accept a quote
  • Never contact carriers without approval

It stops when

  • Done: memo approved
  • Stop: quotes missing, ask the broker

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensThree quotes arrived for 120 employees. One was rated for 105 and failed the census check. The agent asked for a rerate. The answer raised its premium from $1,180 to $1,330 per employee tier. It reran the table with the new number and the memo showed it as the highest cost. The administrator approved.

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