Page 29 - YOROZU America Corp.

Core services

RENEWALS
MARKET • Initial renewal forecast 6 months • Employee contribution modeling
Blocking and tackling LEVERAGE prior; renewal 5 months prior • Actuary-certiied IBNR (self-funded)

• Customized projections
LOCKTON IS YOUR ADVOCATE • Premium equivalent and COBRA
IN THE MARKETPLACE • Health reform model rate setting (self-funded) (factoring
• Benchmarks into account custom domestic
reimbursement levels, i.e., 50%)
• Demographic analysis
• Monte Carlo simulation (stop-loss)
• Plan offering and change modeling (self-funded)

MARKETING

• Formal RFP — inancials, plan • Stop-loss and pharmacy purchasing
FINANCIAL design, contractual terms specialty practices (self-funded)
EXPERTS
• Carve-out negotiations: pharmacy,
stop-loss (self-funded)

MARKET LEVERAGE

CARRIER/ • Top 10 national employee beneit • Underwriters and actuarial
VENDOR broker — fastest organic growth specialists on staff locally and
AGNOSTIC • Preferred partner status nationally
• On carrier/vendor advisory boards • Independent decisions that align
with our clients’ objectives
• Senior relationships

• Best and the brightest service teams
in the industry

Yorozu America Corp. — Lockton Employee Beneits Practice overview 29 Lockton Companies