Gradient AI delivers major Renewal Analytics upgrade with new capabilities for Group Health customers and stakeholders. Provided by Business Wire Sep 9, 2026, 7:00:00 AM Latest release adds integrated risk scoring, group terminations, peer benchmarking, IBNR adjustments, and client-ready PDF reporting to the company's market-leading renewal platform. Gradient AI, a prominent enterprise software provider of artificial intelligence solutions for the insurance industry, has launched a significant expansion of Renewal Analytics, its Group Health platform that translates claims experience into forward-looking risk assessments. The latest release introduces new capabilities - including Incurred But Not Reported (IBNR) adjustments, peer benchmarking, a group termination model, integrated risk scoring, and client-ready PDF reporting - alongside continued enhancements to the platform's analytics, drilldown, and filtering functionality. The latest release of Gradient AI's Renewal Analytics introduces new capabilities - including Incurred But Not Reported (IBNR) adjustments, peer benchmarking, a group termination model, integrated risk scoring, and client-ready PDF reporting - alongside continued enhancements to the platform's analytics, drilldown, and filtering functionality. Whereas most Group Health reporting solutions merely reveal what has already transpired, Renewal Analytics connects four steps into one integrated solution: it shows performance across portfolios, segments, groups, and members; it isolates the conditions, drugs, and segments driving cost and risk; and it projects each group's and member's future risk for the next 12 months, then turns that risk into a renewal price with the built-in Rate Calculator. New Capabilities * Integrated Risk Scoring. Applied automatically at the member level, the new module generates a single blended risk score combining a customer's own claims data with signals from third party data sources. The benefits are particularly valuable for newer groups or groups with high member turnover where gaps in experience data exist. The result is more accurate premium pricing, lower volatility, and sharper underwriting focus. * Group Termination Model. A new module scores every group with a termination-risk rating before a rate action is set, using a proprietary machine learning model. The model provides insurance teams with a data-driven basis for prioritizing retention efforts, focusing discounts, and pushing harder on rate increases for unprofitable yet unlikely to leave groups. Notably, the tool supports underwriters' judgments rather than replacing them. * Peer Benchmarking. A new benefit available across Performance Metrics, Drivers and Group Summary views - allows users to instantly compare any group or their full portfolio against a relevant peer set. Comparisons extend to specific cost drivers including condition prevalence and drug utilization, bringing peer context directly into renewal decisions and broker conversations. * IBNR Adjustments. Users can now apply Incurred But Not Reported (IBNR) adjustments directly within Renewal Analytics, replacing the lagging view of claims and medical loss ratios with a forward-looking projection that reflects how claims are likely to develop. Applicable at both the portfolio and group levels, the feature includes side-by-side adjusted versus unadjusted trendlines, enabling fairer period comparisons and more grounded renewal and cost containment decisions. * Group Summary PDF. A new client-ready PDF reporting element turns Renewal Analytics data into a branded, shareable report in a few clicks, eliminating manual export and rebuild work. Designed for underwriters and account managers preparing renewal materials, the PDF is built for external audiences including brokers, employer HR leaders and consultants. Taken together, the latest enhancements deliver benefits that build on Renewal Analytics' existing foundation: greater clarity through enhanced metrics, newly added touchpoints and IBNR-adjusted views; improved efficiency through streamlined workflows, faster navigation and automated PDF reporting; deeper insight through peer benchmarking, multilevel drilldowns and integrated risk scoring; and stronger decision intelligence through a better understanding of costs, risks, termination likelihood and member outcomes. Beyond platform refinements, the latest release introduces capabilities that extend what Renewal Analytics can do at both the group and portfolio levels. "Renewal Analytics has proven to be a market-leading platform that enables risk assessors to understand the factors driving results, identify risks well before they become claims, and act at the most appropriate level," said Marc Jeffreys, Health GM, Health Gradient AI. "This release extends that capability significantly, adding the tools underwriters and actuaries need to fill gaps in experience data for new groups and new members, see claims as they're likely to develop, benchmark groups against relevant peers, and anticipate which groups are at risk of leaving before a rate decision is made. Always, the goal is helping our customers balance financial stewardship with improved member outcomes." Aligning with SAIL(TM), Gradient AI's solutions suite for new business, Renewal Analytics assists insurers and decision-makers navigating shifting challenges such as rising healthcare costs, unpredictable claim patterns, emerging member health risks and rising competition. By aligning processes across the full policy lifecycle, Gradient AI's suite of solutions reduces variability and enhances outcomes, ensuring consistent risk logic is applied across quoting, renewal pricing and population management while boosting operational efficiency. About Gradient AI Gradient AI is a leading decision-intelligence partner for the insurance industry, providing customers with competitive advantages by revealing risk others might miss - then translating those insights into stronger performance and real-world impact. Gradient AI's platform harnesses a vast industry data lake - tens of millions of policies and claims enriched with economic, health, geographic, and demographic signals - integrating cleanly with existing workflows to make complex risk clear, usable, and actionable. Customers include recognized carriers, brokers, consultants, MGAs, MGUs, TPAs, risk pools, and PEOs. Christopher Dale, Turchette Agency (973) 227-8080; [email protected] The articles, information, and content displayed on this webpage may include materials prepared and provided by third parties. Such third-party content is offered for informational purposes only and is not endorsed, reviewed, or verified by Morningstar. Morningstar makes no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any third-party content displayed on this site. 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Gradient AI will join panel at 2026 Workers' Comp Conference. A little bit of event news from the USA; Gradient AI, a prominent enterprise software provider of artificial intelligence solutions for the insurance industry, will participate in a panel at the 2026 Workers' Compensation Institute's 80th Annual Workers' Compensation Educational Conference. Entitled "Early Warning: Spotting Delayed Recovery Risk Before a Claim Deteriorates," the panel will take place on August 26 from 9:50 - 10:50AM in Grand Ballroom 8A of the Orlando World Center Marriott. Moderated by Kim Wiswell, Gradient's Director of Managed Care Solutions, the discussion will be headlined by Brook Rosenbaum, General Manager, Property & Casualty for Gradient AI. Delayed recovery claims represent a disproportionate share of workers' compensation costs, and the factors that drive poor outcomes are often present long before the file becomes a problem. The session will center around mitigating the challenges to discovering those signals swiftly and accurately. Attendees will be provided with practical insights, along with an exploration of how new technologies can identify claims at elevated risk for delayed recovery within days of FNOL, and what patterns these models detect. The session will also address the crucial question of what happens once a claim is flagged. Ms. Wiswell's and Mr. Rosenbaum's participation in the panel showcases Gradient AI's reputation for developing AI-powered tools that inform and assist insurance-related decision-making. For example, the company's ClaimVoyant(TM) helps insurers identify emerging claims risks before they escalate. The platform allows Workers' Comp (WC) carriers, third-party administrators (TPAs), self-insured employers, PEOs and broker-consultants to flag claims likely to be expensive, complex or involve delayed recovery periods. It also provides early indicators that create opportunities for thoughtful intervention, leading to appropriate staff assignment and proper care management planning. With a claimant match rate exceeding 90%, Gradient AI's ClaimVoyant(TM) solution parlays data captured at First Notice of Loss (FNOL) into actionable insight for program managers. In doing so, the AI-driven triage tool provides a gateway to deeper intervention for injured workers, including recommendations on whether to obtain ClaimVoyant(TM) detailed reports, available with medical authorization. "Insurance organizations are under increasing pressure to make faster, more informed decisions while navigating growing claims complexity," said Brook Rosenbaum, General Manager, Property & Casualty for Gradient AI. "Conversations like the WCI panel are essential because they bring together industry leaders to explore how AI can responsibly augment human expertise, helping carriers improve outcomes for both their business and the people they serve."