🏥 Quote and Renew Group Benefits

I handle group benefit schemes and the renewals are always rushed. Build me a group benefits app. For each scheme record the client, the benefits included, the carrier, the renewal date, the premium basis and the eligibility rules such as waiting periods and which employee categories are covered. Maintain a live census of covered members with joiners and leavers recorded as they happen rather than reconstructed at renewal, so the headcount is always current. Track claims experience against premium where the carrier provides it. Start each renewal at a number of months before the date that I set, defaulting to four, with stages for data gathering, market approach, quotes received, client presentation and implementation. Add an AI agent that prepares the renewal submission from the current census and claims experience, and that models the likely premium change so I can prepare the client rather than surprise them. Automate three things: a monthly census reminder to the client, the renewal process start at the right lead time, and an alert if census data has not been updated in a quarter. Two logins: a client HR contact who maintains their own census, and an agent who runs the scheme.