Gradient AI Signs Up Michigan Planners to SAIL Solution

October 3, 2024

Gradient AI, a leading enterprise software provider of artificial intelligence (AI) solutions in the insurance industry, has announced that Michigan Planners is using Gradient AI’s SAIL™ underwriting solution to gain deeper insights into risk. This solution enables Michigan Planners and its clients to create customized group health solutions and achieve significant cost savings by tailoring plans to the specific needs of each employer group.

Michigan Planners is a full-service insurance agency specializing in employer group benefits, including risk financing, customized plan and group health solutions for groups of all sizes. The company turned to Gradient AI to overcome limitations in bandwidth and data, which previously hindered its ability to make accurate risk assessments for its target market of 25-500 life groups. Gradient AI’s SAIL provides valuable insights without requiring additional staff. It generates easy to understand outputs, far beyond what Michigan Planners previously received from carriers. This enables more meaningful, strategic conversations with its clients.

“We use SAIL to give our clients better insight and a better prognosis into claims,” said Aaron MacDonald, chief strategy officer at Michigan Planners. “Prior to using SAIL, we could only look through the rear-view mirror at past claims data. Now we can look through the windshield to better predict what costs our clients can expect to incur. With the speed, quick turnaround, and insights we’ve gained, SAIL has more than paid for itself.”

Gradient AI’s SAIL has allowed Michigan Planners to align solutions to the unique needs of each client. It helps identify and address high claims costs in pooled risk groups, improve risk projections for companies with high turnover rates or recent mergers, and offers smaller groups a new tool to track claims and plan performance. In one case, SAIL revealed that self-funding wasn’t suitable for a rapidly growing client after an acquisition, saving them tens of thousands of dollars. SAIL also allows clients to make more informed decisions about high deductible plans and self-funding.

“Michigan Planners is an excellent example of how the SAIL solution can help insurance agencies better serve their clients,” said Stan Smith, CEO and founder of Gradient AI. “By providing a deeper understanding of risk and offering more actionable insights, Michigan Planners is customizing health plans to their clients’ unique needs, improving outcomes and driving cost savings. We are proud to partner with them in changing how employee benefits are delivered.”