Our customer success team comes from the insurance industry. They’ve run renewals, chased carrier responses, and rebuilt the same spreadsheet for the tenth time. They know what this work costs.
Without the right tools, quoting a group benefits renewal can take anywhere from four to six hours per client, and for complex accounts, that number climbs past 50. Multiply that across a full book of business during renewal season and you’re looking at weeks of work that’s largely manual, largely repetitive, and almost entirely avoidable. PerfectQuote exists to eliminate that overhead. Not streamline it, not reduce it a little. Remove it from your workflow entirely. Here’s how the platform does it.
PerfectQuote automates the RFP and proposal collection process
PerfectQuote centralizes the RFP workflow so brokers send carrier requests and receive responses inside a single platform. Group details, census files, and plan requests are packaged and sent with one click, and carrier responses flow back automatically into the system. Carriers can reply via email without logging into a separate portal, which used to slow response times. OneAmerica Financial VP of National Sales John Crowley cited PerfectQuote’s ability to help carriers “respond with the speed of today’s marketplace demands.” The platform’s founders built this feature after a broker engagement required 50-plus hours of work, including more than 12 hours rebuilding spreadsheets. That origin story shaped a workflow designed around real brokerage constraints.
- RFPs sent and received in one platform. No more chasing responses across email threads
- Carriers reply via email; no portal login required on their end
- Census files, group details, and plan requests packaged and sent in a single click
The proposal reader eliminates manual data keying across 400+ carrier formats
PerfectQuote’s Proposal Reader is a proprietary tool that scans carrier proposal files and Summary of Benefits and Coverage documents, extracts plan details and rates, and normalizes the data into a comparable view without any manual keying. The platform supports over 400 carrier proposal formats, which means brokers are not blocked by carrier-specific document structures.
When average single deductibles hit $1,787 and family premiums climb to $25,572 per year (KFF 2024 Employer Health Benefits Survey), clients don’t take plan comparisons at face value. Re-entering data from 10 different carrier PDFs is where errors happen and trust gets lost.
- Supports 400+ carrier proposal formats. No manual reformatting required
- Cuts manual work by up to 95% on eligible workflows
- Saves 4–6 hours of quoting time per client
OneDigital, a national advisory firm, reported that their team can now sort through hundreds of ACA plan options and save days of work per engagement.
Integrated outputs and system connections carry data from quote to enrollment
PerfectQuote produces client-ready, custom-branded spreadsheet presentations with embedded SBCs and working formulas. The final deliverable requires no manual formatting after quoting is complete. The platform integrates with BenefitPoint and Employee Navigator, creating a workflow that moves plan and rate data from quoting into agency management and benefits administration without re-entry.
Before the Employee Navigator integration, brokers spent three to six hours building or updating each group in the enrollment system. The integration, which completed a six-month beta before commercial release, eliminates that step. PerfectQuote CEO Justin Sylvester described the combined capability as allowing brokers to “request and manage RFPs, present proposals seamlessly and activate online enrollment instantly in Employee Navigator.”
- Renewal processing time reduced by 50–75%
- Employee Navigator setup time of 3–6 hours per group eliminated
- Contribution modeling built in for employer cost-sharing analysis
Agencies processing renewals across dozens of groups each fall have seen the biggest impact. Several of the top 10 largest U.S.-based agencies now service more than 125,000 employer groups through PerfectQuote, which reflects what the platform can handle at scale.
Built for agencies that are done doing it by hand
The agencies getting the most out of PerfectQuote aren’t the largest ones. They’re the ones running the most repetitive renewal volume. Independent agencies running around 100 groups find that the time saved on a single renewal cycle offsets the cost. Regional brokerages with 250 to 1,000 groups use it to keep up with volume during Q4 without adding headcount. General agents processing high volumes of small-group business for brokers get the fastest payback, because they run the same workflow dozens of times a week. National enterprise agencies use it to standardize quoting across offices and carriers.
If your agency is still building renewal spreadsheets by hand, manually re-entering carrier data, or burning through Q4 in overtime to keep up, this platform was built for that. Onboarding is personalized to your agency’s markets and book of business, led by a customer success team that has worked in insurance and knows the workflow firsthand.
Plans start at $141 per user per month on a two-year agreement, with tiered options up to $272 per user per month for the Flagship package. Agencies see measurable ROI within their first renewal cycle.
What it costs to keep doing it manually
PerfectQuote’s three connected capabilities, automated RFP management, the Proposal Reader, and integrated enrollment outputs, target the same underlying problem: staff time spent on work that does nothing for the client relationship. That’s the real cost of manual quoting, and it compounds across every group in your book.
The workload isn’t shrinking. The question is whether your agency has the tools to carry it.