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Quoting Tools

Simplified Underwriting Process

For Large Group Quotes

Brokers can obtain quotes for their large group business using an easier and faster underwriting process utilizing Curv technology, a predictive modeling tool. Curv quickly delivers a highly predictive risk score that helps insurers strategically underwrite blocks of business.

You can submit large groups (non-ACA rated) with less than 100 enrolled employees through this new process by simply completing the CURV Census Form.

To apply and be approved for coverage, all groups must meet eligibility thresholds, participation requirements and submit all of the completed necessary paperwork.

Curv Technology FAQs

What groups are the best fit for this quote process?

Large groups (non-ACA rated) with less than 100 enrolled employees.

Do all groups meeting the criteria above qualify for this process?

No. Groups will be required to go through the medical application process if:

  • No prior group health plan is in place
  • Businesses formed less than 6 months ago

What information is needed to get a quote?

  • Curv Census Form – Click Here to Download the Curv Census Form
  • Current and Prior Year Plan Design
  • Current Rates
  • Experience Data (if available)

Are the rates final rates?

Final rates are released through this process for groups receiving <30% renewal increase on the current benefit plan(s).

Demographic changes of more than 10% from the quoted membership could result in re-rating.

To apply and be accepted for coverage, all groups must meet eligibility thresholds, participation requirements, submit completed new business paperwork and group renewal document for the requested effective date.


For Small Group Quotes

At Health Tradition, we developed Click4Rates, a Small Group quoting system. Click on the button below to login to Click4Rates and begin the quoting process. 




If you are an agent and interested in using Click4Rates but have not yet been given access, please contact us via email.