RATE LOCK
Stability Today.
Confidence Tomorrow
Our three year renewal program helps organizations eliminate renewal uncertainty and gain budget predictability with a fixed monthly rate for three consecutive plan years.
Lock in your rate for 36 months
Protect against rend and market volatility
Budget with confidence and plan for the future
What is the 3 Year Rate Lock?
The three year rate lock is an alternative funding arrangement that locks in your specific monthly rate for 36 months. Your rate is all inclusive and guaranteed not to change. It protects your organization from renewal increases driven by medical trends, insurance carrier changes, and market volatility.
Fixed Monthly Rate
Your rate is locked for 3 consecutive plan years.
Protection from Increases
Shield your budget from trend, inflation, and market volatility.
36 months of stability
Gain predictable costs and long-term financial clarity.
Focus on what matters
Spend less time worrying about renewals and more time serving your organization and community.
How it Compares
Traditional Model
Rate
Lock
Rate Changes
Budget Predictability
Protection from Trend
Long-Term Planning
Renewal Volatility
Financial Confidence
Annually (Could Increase)
Locked for
36 months
LOW
NO
NO
HIGH
LOW
HIGH
YES
YES
NONE
HIGH
Ideal For Organizations That:
Are Facing Budget Challenges
Our program can lower your current premiums..
Want predictability and stability
Protects budgets from unexpected rate increases.
Plan for Long Term
Support financial planning and multi-year forecasting.
Value Risk Management
Reduce exposure to volatile renewal cycles.
Focus on their Mission
Redirect time and energy toward your priorities - not annual renewals.
We Assess
We evaluate your current plan, claims experience, and risk profile.
We Structure
We design a Three Year Rate Lock solution built around your goals.
You Lock In
Your monthly rate is locked in for 36 months and 3 entire plan years.
You Plan Ahead
You enjoy stability, confidence, and long-term predictability.
