A nutrition label for one of your biggest line items after payroll.
Every year, your benefits renewal lands as twenty pages of rates, claims, and trend factors — with one decision worth real money buried inside. We turn it into one honest page — what happened, what matters, and what to consider next — so you walk into the meeting already understanding it.
All of it is one benefit.
The scary number is almost never one number. The read shows you what it's made of.
See the full note →Why it’s confusing
A renewal mixes facts, assumptions, history, pricing, and recommendations into one document — and nothing tells you which sentence is which. That’s why reading it harder doesn’t help. A Renewal Note separates them again: what happened, what’s driving it, and what’s actually being asked of you.
A label doesn’t make the decision for you. It lets you make it knowing what’s inside.
What you get
No jargon, no forty-page appendix, no homework. A read you can take into any meeting — with your leadership, or with your advisor.
Your renewal in plain language — which benefits moved, which didn't, and the real number underneath the headline one.
The two or three things actually driving the change — and what's just noise. Most renewals come down to one line.
Your real paths, with honest trade-offs for each — including the one most renewal documents can’t offer: accepting it and moving on.
Why you can trust it
What happened, what matters, and a fair map of the paths. The decision stays where it belongs — with you, and your advisor.
When accepting the renewal is the honest answer, the note says so, plainly. If you're fine, we'll tell you you're fine.
Every read is reviewed before it reaches you. A named person stands behind every page — accountability isn't a feature, it's the product.
Every note names what it can't see — your budget, your people, your history. That context belongs in the decision, and it stays yours.
How it works
Send us your renewal — the package your carrier or advisor gave you, as-is.
We read it properly — the rates, the claims, the drivers, the fine print.
You get one honest page back — plain language, reviewed and signed, ready for the decision.
Who’s behind it
I spent thirteen years on the carrier side of group benefits, translating renewal packages for a living. Renewal Notes is the page I always wished I could hand across the table.
Ben Millar · Founder, Renewal Notes
You shouldn't have to be a benefits expert to have a confident read on your own plan. And your advisor shouldn't have to spend the meeting translating twenty pages before the real conversation can start. One page fixes both.
Plain language · Reviewed by a licensed advisor · Honest read
Get your read
Upload your renewal package as your carrier or advisor sent it. One honest page comes back, free — plain language, reviewed and signed.
Expect one honest page within a few business days.