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The Difference Guarantee

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    Your New Competitive Edge

    As an insurance broker/producer in a market saturated with look-alike plans and shrinking margins, you must stand out to remain competitive. You need a game-changing strategy that provides your clients with real, sustainable savings and financial predictability.

    The Difference Guarantee is that strategy. It is a powerful tool that empowers you to win more business, retain your clients, and differentiate yourself as a true innovator in the benefits space.

    The Difference Guarantee has an AM Best rating of (A Excellent).

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    What Is The Difference Guarantee?

    The Difference Guarantee is the financial safety net that powers The Difference Card. It’s an insurance-backed, risk-rated funding solution that allows you to deliver a savings guarantee for The Difference Card without benefit reductions.

    Think of it as the perfect hybrid. You can offer your clients the benefits of self-funding — significant savings and surplus retention — while mitigating the downside of unpredictable risk and volatile claim spikes. We establish a firm, guaranteed maximum cost for their healthcare claims. If claims exceed that number, we pay the difference.

    For you, this means walking into any client meeting with the confidence to present a proposal that contractually guarantees savings. It’s not a hopeful projection — it’s a hard-dollar promise that offers total budget certainty.

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    How The Difference Card Guarantee Works

    We’ve designed a simple, powerful process that enables you to guide your clients from proposal to protection. We do the actuarial heavy lifting and claims administration, so you can focus on your partnerships.

    1. Analyzing the Risk and Setting the Cap

    The process begins when you submit a complete underwriting package, including employee census data, historical claims, and current plan designs.

    Our expert actuaries leverage 20 years of proprietary data to model the group’s utilization and identify unique opportunities for savings. The output is a comprehensive, side-by-side proposal that clearly demonstrates the current plan, the renewal, the new, lower fixed costs, and the maximum claims threshold.

    2. Delivering the Guaranteed Maximum Annual Cost

    The proposal offers a guaranteed maximum annual cost, the absolute limit your client will pay for claims in a given year. This structure allows you to have a clear financial conversation with your client. You can confidently show them the absolute ceiling on their healthcare spend for the year. This locked-in number mitigates the risk of claims fluctuations, allowing your client to budget more confidently and shifting the conversation from, “How much will this cost?” to, “What will we do with The Difference Card cost savings?”

    3. Covering 100% of Claims Above the Cap

    Once we onboard your client, our system works seamlessly in the background. We track all claims activity against the Guaranteed Maximum Annual Cost. If the employer’s cumulative claims reach the predetermined cap, the stop-loss insurance, provided by Assurant, our A-rated carrier partner, is automatically triggered. We manage the entire process, ensuring your client never spends a single dollar more than the guaranteed amount.

    Who Is The Difference Guarantee For?

    CFOs and Business Owners

    Transform unexpected health costs into manageable, fixed expenses with The Difference Guarantee. Our solution reduces the financial risk associated with high claims exposure, providing you with the budget confidence you need to plan for the future, make strategic investments, and drive your business forward.

    Unlike fully insured plans, where the carrier keeps the profit, this model allows you to retain 100% of the surplus when claims perform well. It effectively removes the volatility from your profit and loss, allowing you to treat healthcare as a predictable expense.

    Brokers and Consultants

    Provide your clients with unique benefits solutions to maintain your competitive edge. The Difference Guarantee sets you apart from the competition, helping you win new business and retain clients with challenging renewal scenarios. By offering a solution that no one else has, you can become a more valuable, trusted advisor. You can also provide more accurate savings estimates, positioning you as a true innovator in the benefits space.

    The Difference Guarantee bridges the gap between financial security and strategic growth, delivering distinct advantages for key stakeholders:

    Our Monthly Budget Solution

    For organizations that need a predictable monthly cash flow, we offer a Monthly Budget Solution. This product provides the protection of The Difference Guarantee with the added benefit of a fixed, predictable monthly budget. It protects each month of your claims exposure, giving your clients peace of mind by allowing them to:

    • Establish a fixed monthly cap: The client signs up for the Monthly Budget Solution and sets a fixed monthly amount based on projected claims.
    • Fund the account: The client remits this fixed, budgeted amount into their Difference Card each month. This ensures their cash outflow remains steady, regardless of actual claim activity in any given month.
    • Access transparent claims management: The Difference Card team pays all claims from this account. We provide your client with detailed monthly reports, giving them full visibility into their utilization and account balance.
    • Retain surplus and reduce risk: If claims are lower than projected, your client retains 100% of the surplus at the end of the year. If claims exceed the monthly budget, The Difference Guarantee covers the deficit.

    Why Trust The Difference Guarantee?

    We know that trust is earned, especially when it comes to financial promises. With this understanding, we’ve built The Difference Guarantee on a foundation of financial strength, transparency, and proven experience. Our solution is:

    • Financially secure: Our guarantee is more than a promise — it’s a financially secure commitment. It’s backed by the A-rated insurance carrier, Assurant, which means we have the financial strength and stability to stand by our guarantee, no matter what.
    • AM Best-rated: The Difference Guarantee holds an A (Excellent) rating from AM Best, a testament to our financial strength and stability. This independent, third-party validation demonstrates our ability to meet insurance obligations.
    • Data-driven: Built by our in-house team of expert actuaries and underwriters, The Difference Guarantee is the result of two decades of meticulous data collection and analysis. Our product offers a calculated, data-driven approach to risk management that allows us to provide a sustainable guarantee.

    Ready to Guarantee Savings for Your Clients?

    Differentiate your firm with a solution that locks in savings and reduces financial risk for your clients. With The Difference Card as your partner, you can empower your clients with budget certainty and peace of mind. Let’s build a winning strategy together.

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