Renewal Notesby Re3ink Get your read
Renewal Notes

The one-page read every renewal should have.

A nutrition label for the second-biggest line item 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.

From a real note Nine benefits · one moved
+13.5%/ year

All of it is one benefit.

Health+26.3%
Dental0.0%
Life0.0%
AD&D0.0%
LTD0.0%
Dep. Life0.0%
Critical Illness0.0%
EFAP0.0%
2nd Opinion0.0%

The scary number is almost never one number. The read shows you what it's made of.

Get your read

Send us your renewal.

Upload your renewal package as your carrier or advisor sent it. One honest page comes back — plain language, reviewed and signed.

Renewal upload PDF · up to 20MB
Choose your renewal PDFPDF · max 20MB

Prefer email? Send it to hello@renewalnotes.com

Your file is emailed directly to us — never stored on this site. Handled confidentially; deleted on request.

Got it — your read is on its way.

Expect one honest page within 2 business days.

What you get

One page. Three answers.

No jargon, no forty-page appendix, no homework. A read you can take into any meeting — with your leadership, or with your advisor.

01
What happened

Your renewal in plain language — which benefits moved, which didn't, and the real number underneath the headline one.

02
What matters

The two or three things actually driving the change — and what's just noise. Most renewals come down to one line.

03
What to consider next

Your real paths, with honest trade-offs for each — including the one nobody mentions: accepting it and moving on.

Why you can trust it

The rules every note is held to.

Renewal Note · standard Held to on every read
It diagnoses. It never prescribes.

What happened, what matters, and a fair map of the paths. The decision stays where it belongs — with you, and your advisor.

Doing nothing is a real option.

When accepting the renewal is the honest answer, the note says so, plainly. If you're fine, we'll tell you you're fine.

A licensed advisor signs every note.

Every read is reviewed before it reaches you. A named person stands behind every page — accountability isn't a feature, it's the product.

The honest part is built in.

Every note names what it can't see — your budget, your people, your history. That context belongs in the decision, and it stays yours.

Plain language · reviewed by a licensed advisor · honest either way

How it works

Three steps. No homework.

01

Send us your renewal — the package your carrier or advisor gave you, as-is.

02

We read it properly — the rates, the claims, the drivers, the fine print.

03

You get one honest page back — plain language, reviewed and signed, ready for the decision.

Walk into the decision clear.

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.

Get your renewal's read

Plain language  ·  Reviewed by a licensed advisor  ·  Honest either way