Underwriter Borka Skoric reviewed the methodology and found that it reflects how the options are priced and renewed in the market. Used with permission; she was not paid for this review.
Current state-adjusted market rates and consistent assumptions.
2,000 to 10,000 simulations with medical underwriting and health-condition persistence logic.
The 5th, 25th, 50th, 75th, and 95th percentiles, not a hand-picked best case.
Calibrated to published KFF, Milliman, AHRQ MEPS, and Society of Actuaries data.
Ready to make this specific to your company?Use your own data or speak with a Benefitra advisor.