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Our underwriting and reporting services give our clients legitimate decision-making tools that will ensure they are effectively managing their benefit plans and negotiating fair renewals.

Moreton & Company was the first in our market to develop an independent underwriting department. Noteworthy features of our underwriting services include:

Benchmarking Strength
We believe the most important resource we provide for our clients is our ability to track utilization data throughout the year from each carrier—our analysis of this data translates into fair renewals every year.

Forecasting & Reporting Tools
Moreton has developed sophisticated underwriting, forecasting, and reporting tools that allow us to track cost factors on a monthly basis and to advise our clients of appropriate plan designs. These tools are unique in the insurance marketplace and allow our clients to track monthly cost factors.

Data Management
Moreton has developed a proprietary claims database directly from the carriers’ claims system. We use this database to allow our clients to see real-time results, not only in broad categories, but also in very specific areas of plan design, employer funding, and risk profiling. We have the ability to track your history against prior years to find opportunities for change in your plan designs.

Plan IT
Plan IT is a data mining product that allows us to view underlying trends to help our clients make better decisions on their benefits plan designs. Plan IT also provides a unique advantage in predicting both the financial and member impact of potential plan changes.