Blog
The 9% Problem: Why Group Health Underwriting Has the Worst Close Ratios in Insurance
Did you know that group health underwriting operates with one of the lowest close ratios in the entire insurance industry? Most teams know this instinctively. They feel it every renewal season, every time quote volumes spike,…
What the “Shuffle Rate” Means for Health Insurance Carriers
In every industry, market leadership shifts over time. But in the fully insured group medical space, those shifts aren’t just happening—they’re accelerating. Strategy researchers at firms like McKinsey use a concept called the “shuffle rate…
Small Players Are Disrupting the Insurance Market – and If You’re in the Industry, You Can Feel It
The insurance market is shifting fast, and the pressure isn’t coming from where everyone expected. It’s not the big national carriers creating competitive strain—it’s the small, tech-enabled players who operate with clean workflows,…
Why Level-Funded Plans Are No Longer Just for Mid-Size Employers
For years, level-funded health plans were seen as the “in-between” option — ideal for mid-size employers who wanted predictable monthly costs without fully taking on self-funded risk. But over the last few years, that line has blurred…
The Cost of Choice: Why 2026 Could Redefine Employee Benefits
We like to believe that choice is empowerment. But in the world of employee benefits, choice has quietly become one of the biggest sources of confusion. Heading into 2026, employers are facing a perfect storm…
Why Your Quote Process Is Costing You Deals?
Something happens to every stop-loss quote the moment it enters the process. It slows down. Not because underwriters aren’t working hard, and not because brokers aren’t pushing for answers. But somewhere, between intake and
How to Escape the Spreadsheet Trap: DataHub.Insure vs. Excel
As a Product Marketing Manager for a while, I often hear a common story: The love-hate relationship with Microsoft Excel. We’ve all been there, right? Excel is like that old, reliable friend, always ready for quick lists, simple calculations, or
Is Insurtech Winning the Battle but Losing the War?
The insurtech boom promised to revolutionize the insurance industry. With cutting-edge technology, AI-driven automation, and seamless digital experiences, insurtechs have transformed underwriting, risk…
Hidden Cost of Wage Inflation in Insurance
Rising Costs and the Need for Data-Driven Efficiency in Insurance: The insurance industry is feeling the squeeze. Rising wages and soaring supply costs are putting pressure on balance sheets, making it harder for insurers…
From Risk to Reward: Repositioning Insurance Careers for the Next Generation
The Insurance Industry is a Pillar of Financial Security, But It’s Facing a Unique Challenge: An aging workforce with a significant number of employees nearing retirement.This demographic shift presents an opportunity…