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 14%, guaranteed for 2 years Dental 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%

* 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.

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.