Group Benefit Services (GBS) employs an experienced Underwriting Team that is responsible for reviewing prospective self-funded clients' medical conditions in order to evaluate risk. GBS has partnered with One of the nation’s most highly respected actuarial consulting firms powered by a proprietary underwriting platform. This underwriting platform allows employers and employees to go online and complete their Group (Employer Application) Health Questionnaire (GHQ) and Personal (Employee) Health Questionnaires (PHQ).
After the group has completed their online applications, the proprietary underwriting platform rates each person in the group, as well as the group as a whole and sends a rate factor to the GBS Underwriting team. At that point, the underwriting team reviews the scores and enters the factor into the initial proposal that was generated for the group. The underwritten proposal is then presented to the consultant to review with the group.
Please click here to login or find the User Guides and other helpful tools below, to aid you in getting your group set up for online underwriting.