For independent benefits brokers

Meet employers before their renewal.

We identify employers in your territory 90 to 150 days before renewal, show their reported carrier and incumbent broker, and handle the outreach to book qualified meetings.

Three real groups in your territory, free, before you pay anything.
Carrier, renewal month and lives on every row, with the date it was reported.
Meetings held on your calendar, not names in a spreadsheet.

Get 3 free renewal prospects See what you get

Free and no commitment. Delivered within one business day. One broker per territory.

Renewal window150 days out › 90 days out

Fire protection contractor

Dallas · 315 lives · renews February

National carrier · placed by a national broker · reported Jul 2026

146days out
Aerospace manufacturer

Plano · 335 lives · renews January

Regional Blue plan · placed by a national broker · reported Jul 2026

115days out
Home builder

Southlake · 153 lives · renews December

Regional Blue plan · placed by a national broker · reported Aug 2026

96days out

Anonymized. The three we send you carry the real names and dates.

8.2%Projected rise in employer health benefit costs for 2027, the largest since 2003. Mercer, September 2026

90 to 150Days before renewal, the only window where a new broker can still quote.

100 to 500Lives on the plan, the band we work. Fully insured or self-funded.

1Broker per territory. Your competitors never see your list.

Every employer in your territory renewing in 90 to 150 days.

Their carrier, their incumbent broker, and a meeting on your calendar before the renewal letter lands. One row per employer, with every medical policy, the placing agency and the date each figure was reported. You never log into anything. We work the list and you take the meetings.

Texas, Dallas Fort Worth. Medical, 100 to 500 lives, renewing in 90 to 150 days, held by other brokers.Anonymized sample

Employer	City	Lives	Medical carrier	Renews	Placed by	Reported	Days out
Aerospace manufacturer	Plano	335	Regional Blue plan	January	National broker	Jul 2026	115 days
Telehealth provider	Dallas	448	National carrier	January	Regional consolidator	Jun 2026	115 days
Agricultural lender	Fort Worth	117	Direct primary care carrier	January	National broker	Jul 2026	115 days
Home builder	Southlake	153	Regional Blue plan	December	National broker	Aug 2026	96 days
Staffing firm	Irving	119	Regional Blue plan	December	Regional consolidator	Jul 2026	96 days
Fire protection contractor	Dallas	315	National carrier	February	National broker	Jul 2026	146 days

Swipe the table to see every column

Your list and your emails carry the employer, carrier and broker names, and the date each figure was reported.

Three steps to a full calendar

Pick your territory

Your state, or your metro in Texas, California, New York and Florida. One broker per territory. We count the employers in your window and agree a meeting number before you pay.

We reach the decision makers

HR directors, VPs of People, CFOs and owners. Verified emails and LinkedIn, sent from our infrastructure, with your name on it. You approve every template.

Meetings land on your calendar

A qualified first meeting means a decision maker at an employer with 100 to 500 on the plan, renewal month confirmed, and held. No-shows are rebooked, not counted.

Thu22Oct

Renewal review with the HR Director

10:30 am, 20 minutes, on your calendar

210 life manufacturer in Plano. Medical plan renews in January, with a regional Blue plan placed by a national broker.

Brief sent the day beforeWho is on the call, their carrier and renewal month, what they told us in the thread, and what they want to hear first.

Held and counted. A no-show is rebooked, not counted.

This is what your prospects receive

Sent in your name, from our inboxes, to the HR director or CFO of an employer renewing in 90 to 150 days. Their carrier and renewal month are stated only when the reported figures are fresh enough to trust.

You approve every word before it sends. Replies come to you, we handle the back and forth, and a booked meeting lands on your calendar with a brief.

From: [Your name], [Your agency] · To: HR Director, a 210 life manufacturer in Plano · Subject: your January renewal

Maria,

Your medical plan renews in January. Groups your size in Dallas Fort Worth are seeing increases of 8 to 12 percent for 2027, and the renewal letter usually arrives with about six weeks to respond.

Before it lands, I can show you what the other carriers are pricing for a 210 life group this cycle.
Two plan designs that groups like yours used to hold down last January's increase.
A 20 minute renewal review. No proposal unless you ask for one.

Is 20 minutes in the next two weeks worth it, before the number is final?

[Your name]
[Your agency], Dallas

Three renewal prospects in your territory, within one business day

Named employers, reported carriers, the brokers who hold them. Then decide.

1Tell us your state, or your metro, and your agency name.
2We check availability and count the employers in your window, so the number is real before you pay anything.
3Three real groups land in your inbox from a person, usually within one business day.

No commitment. If the groups are not ones you would call, say so and that is the end of it.

Get 3 free renewal prospects

Sent by a person, not a sequence.

A list tells you who exists. We get you in front of them before they renew.

Feature	Purchased list	Lead gen agency	Ninety Out
Knows the renewal month	Sometimes, from older records	No	Yes, from the latest reported figures, rebuilt monthly
Knows the current carrier and the incumbent broker	Rarely	No	Yes, on every row where the report is fresh
Times the outreach to the buying window	You do it	Sends on its own schedule	90 to 150 days before renewal, once per cycle
Does the outreach for you	No	Yes, from a shared template	Yes, in your name, every template approved by you
Delivers held meetings, not just names	No	Sometimes	Yes, qualified and rebooked if missed
Keeps your competitors out	The same list is sold to other brokers	No	One broker per territory

I built Ninety Out because the information brokers need most, who renews when and with whom, has been sitting in reported figures for years while everyone bought stale lists.

We rebuild the list monthly, show the date every figure was reported, and drop a fact once it is too old to trust. The first thing you get from me is three real groups in your territory, free, so you can judge for yourself.

The founder · [email protected]

Questions brokers ask

Anything else, write to [email protected].

Where does the data come from?

Reported figures, refreshed monthly. Every row shows the date its figures were reported, and we name a carrier or a renewal month only while that report is fresh enough to trust. We do not scrape or guess.

Is my state available?

Maybe. We sell one broker per territory: a state, or a metro in Texas, California, New York and Florida. Ask, and we tell you straight.

Who sends the emails?

We do, from our own domains and inboxes, in your name and with your approval of every template. Your domain reputation is never touched.

What counts as a meeting?

A decision maker or direct influencer at an employer with 100 to 500 on the plan, renewal month confirmed, meeting held. Written into the contract.

What if I sell self-funded or level-funded?

The same employers are in the data. We can target fully insured groups for a self-funding pitch, or the reverse.

What does it cost?

Fees depend on your territory, because the number of employers in your window sets how many meetings are realistic. We count your territory first, then quote a pilot on the call. The three sample renewals are free either way.

Do I have to commit to anything to get the sample?

No. Three named groups, from a person, no follow-up sequence. If they are not groups you would call, say so and that is the end of it.

My territory is small. Does this still work?

We count before we quote. If your state does not have enough employers in the window to support a meeting target, we say so rather than sell you a pilot.

How fast can we start?

Renewal lists are ready today. Sending starts after your templates are approved and inboxes are warm, about three weeks. If your renewals are January, that means starting now.

Meet employers before they renew.

Three named renewal prospects in your territory, free, within one business day.

Get 3 free renewal prospects

One broker per territory. No commitment.