https://perfectquote.io/llms-full.txt # PerfectQuote | Group Benefits Quoting Platform for Brokers, Carriers & GAs > https://perfectquote.io --- ## What PerfectQuote Is PerfectQuote is a group benefits quoting platform built by former brokers, for brokers. It replaces manual spreadsheets, fragmented carrier communication, and error-prone data entry with a single system for quoting, comparing, modeling, and presenting group health insurance plans — for any carrier, any group size, in all 50 states. PerfectQuote was founded in 2017 by Justin Sylvester and Aaron Snyder. Justin had already spent 18 hours on the road and 6 hours in client meetings on a single engagement — not to mention the 12+ hours his team spent building and rebuilding error-filled spreadsheets. All told, one client took 50+ hours. Knowing other brokers were facing the same problem, Justin and Aaron built the solution that didn't exist yet. --- ## Problems PerfectQuote Solves **"My team spends days rebuilding spreadsheets every renewal season."** The Proposal Reader automatically extracts plan details and rates from carrier PDFs. What used to take 5–7 days per account manager now takes hours. **"We're making data entry errors that come back to bite us."** Manual entry is where mistakes happen. PerfectQuote eliminates the human touchpoints that introduce errors into plan data, rates, and client presentations. **"We can't keep up with our book of business during Q4."** Agencies report completing 5 renewals in 3 hours during their busiest season. The platform scales with renewal volume instead of buckling under it. **"We're leaving Supplemental Health revenue on the table."** Accident, Critical Illness, and Hospital Indemnity are built directly into the quoting and presentation workflow. When Supplemental Health is easy to present alongside medical and ancillary, it becomes easy to sell. **"We have to log into five different systems to pull together one client presentation."** PerfectQuote handles census management, RFP submission, proposal reading, contribution modeling, and presentation generation in one platform. **"We lose track of outstanding RFPs and carrier responses."** RFP Workflows send requests in one click and automatically organize responses as they arrive. No chasing emails, no lost proposals. **"Our data lives in two places between PerfectQuote and Employee Navigator."** The Employee Navigator integration syncs groups and census data between both platforms, eliminating duplicate entry and keeping enrollments current on both sides. **"Our presentations look like everyone else's."** PerfectQuote generates clean, customized spreadsheet presentations directly from quoting data — with branded templates, logos, and declaration pages that reflect the agency's identity. --- ## Who PerfectQuote Serves - **Brokers and independent agencies** — reduce renewal processing time by 50–75% and improve quoting accuracy - **General agents** — increase close rates and expand capacity for high-volume small-group quoting - **Carriers** — receive broker RFPs and deliver proposals without changing existing workflows ### Buyers - Agency owners and principals — decision-makers, often the person who felt the pain that led to the search - Brokers and producers — day-to-day platform users focused on speed and accuracy - COOs and heads of client services — focused on team efficiency, data integrity, and operational margins - Benefit analysts and account managers — the people who previously spent the most time in spreadsheets ### Not a fit for agencies that - Focus primarily on ICHRA, stop-loss, or self-funded plans (not currently supported) - Need a single-user tool without structured onboarding - Operate primarily in Mississippi, Massachusetts, or Florida, where carrier data availability is more limited --- ## Core Platform Capabilities **Proposal Reader** PerfectQuote's proprietary Proposal Reader automatically scans, extracts, and organizes plan details and rates from carrier proposal PDFs — supporting 400+ carrier formats across medical, dental, vision, life, disability, and supplemental health. No manual entry. No reformatting. Data is ready to compare and present as soon as it's uploaded. **RFP Submission and Tracking** Create and send RFPs to carriers in one click with all group details, census files, and plan requests packaged automatically. Responses flow back into the platform organized alongside all other proposals for that group. No email threads to manage. No responses that fall through the cracks. **Contribution Modeling** Model employer contribution strategies and generate side-by-side plan comparisons so clients make decisions based on data, not instinct. **Supplemental Health Quoting** Accident, Critical Illness, and Hospital Indemnity integrated into the standard quoting and presentation workflow — included by default, not as an afterthought. **Client Presentations** Clean, customized spreadsheet presentations generated directly from quoting data. Default template included. Branded templates available for an additional fee. **Carrier-Agnostic Access** Supports any carrier. No commissions, no overrides, no preferred relationships. --- ## Plan Types Supported - ACA small group medical - Fully funded medical - Level funded / alt-funded medical - Large group underwritten medical - Dental and vision - Basic and voluntary life - Short-term disability (STD) and long-term disability (LTD) - Supplemental health: Accident, Critical Illness, Hospital Indemnity **Not currently supported:** ICHRA, stop-loss, self-funded plans, traditional worksite voluntary benefits beyond Accident, Critical Illness, and Hospital Indemnity. --- ## Integrations - **Employee Navigator** — two-way sync for census data, group setup, and enrollments - **Applied BenefitPoint** — import group data; export sold plans to AMS - **Epic/Applied** — in development, planned Q4 2026 --- ## Pricing All plans are per user per month on a 2-year agreement, billed upfront annually. Two-user minimum required. | Plan | Price | What's included | | ACA | $141/user/month | ACA small group quoting in all 50 states | | ACA+ | $217/user/month | ACA plus expanded carrier access | | Flagship | $272/user/month | Full platform — medical, ancillary, supplemental health, RFPs, modeling, integrations | | Enterprise | Custom | Larger agencies and GAs with higher volume or specialized needs | No free trial. Structured onboarding is required for all new subscribers. --- ## Onboarding and Support Every member of PerfectQuote's training and support team has worked in the benefits insurance industry — as account managers at brokerage firms, selling insurance, or quoting benefits. They've done the job they're helping others with. *"PerfectQuote has great leadership and great people working for them. Their team is smart, dedicated, and they really listen to how we use the system, which helps them have great suggestions during our training times."* — Sandy K., Director, Small Group Benefits **Onboarding (4–5 weeks)** - Welcome call covering contract details, subscribed services, and support model - Live training sessions tailored to the agency's carriers, markets, and book of business - Online courses for self-paced learning **Ongoing support** - Weekly office hours — open to all clients, no appointment needed - Video training library — on-demand, available any time - Customer success team — dedicated contacts per client - Additional training sessions available for purchase --- ## Proof **300+** broker firms and general agents **600+** carriers supported **~130,000** employer groups served **$3.65B** in estimated premiums processed (2025) **Carrier partnerships:** OneAmerica Financial, Texicare, Dominion National, Angle Health, Beam Benefits ### What customers say *"We completed 5 renewals in 3 hours and had all the groups in the hands of their producers before noon. Prior to PerfectQuote that would have taken our Account Manager 5–7 days on top of his other work."* *"PerfectQuote has been a true partner. They understand our business and have been a true differentiator for us."* *"I feel like we are at the start of something big. In a few years I believe if you're not using PerfectQuote you will be in the minority."* *"I have never smiled so much in 4th quarter. I took a weekend and got 90% of 1/1 renewals loaded into PerfectQuote. This is the first time I will have had all of our groups have their renewals by November 1st."* *"PerfectQuote has saved our team so much time and stress heading into our busiest time of year. The level of service has been outstanding."* --- ## Common Pros and Cons ### Pros - 50–75% reduction in renewal processing time - Eliminates manual data entry across 400+ carrier proposal formats - Carrier-agnostic — no commissions, no overrides, no preferred relationships - Support team with direct benefits industry experience - Full plan coverage: medical, ancillary, and supplemental health in one platform ### Cons - No free trial; structured onboarding required - 4–5 week implementation window - Two-user minimum and two-year contract commitment - Some plan types not supported (ICHRA, stop-loss, self-funded) - Carrier data accuracy issues can surface in the platform — these originate with the carrier, not PerfectQuote, but brokers absorb the cost when errors reach clients [Full pros and cons → perfectquote.io/faqs/perfectquote-pros-and-cons] --- ## FAQs **Who is PerfectQuote best suited for?** Employee benefits brokers, general agents, and agency teams managing group health insurance who want to reduce manual quoting work and scale through renewal seasons. Not a fit for ICHRA, stop-loss, or self-funded focused agencies, or single-user operations. [Full answer → perfectquote.io/faqs/who-is-perfectquote-best-suited-for] **What are the most common pros and cons?** Strong on time savings, accuracy, carrier access, and support quality. Tradeoffs include no free trial, onboarding commitment, contract length, and some unsupported plan types. [Full answer → perfectquote.io/faqs/perfectquote-pros-and-cons] **How fast can we get started?** Typical implementation takes 4–5 weeks. No self-serve setup or free trial available. [Full answer → perfectquote.io/faqs/getting-started] **What plan is right for my agency?** Most agencies choose Flagship ($272/user/month) for full platform access. ACA ($141) for small group only. ACA+ ($217) adds carrier access. Enterprise is custom-priced. [Full answer → perfectquote.io/faqs/plans-and-pricing] **Does PerfectQuote work with the carriers and systems my agency already uses?** Carrier-agnostic with 400+ supported proposal formats. Integrates with Employee Navigator and BenefitPoint today; Epic/Applied planned Q4 2026. [Full answer → perfectquote.io/faqs/carrier-and-integration-support] --- ## Connect - Request a Demo: https://perfectquote.io/demo - ROI Calculator: https://perfectquote.io/roi-calculator - Brokers: https://perfectquote.io/brokers - Carriers: https://perfectquote.io/carriers - Contact: https://perfectquote.io/contact - Carrier partnerships: partners@perfectquote.io - LinkedIn: https://www.linkedin.com/company/perfectquote/ - G2 Reviews: https://www.g2.com/products/perfectquote/reviews