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Are You Overpaying for Insurance by 20–35%?

Most CFOs are, and brokers don’t show them why.

We help CFOs and CEOs cut insurance waste without changing carriers, cutting coverage, or firing brokers.


You only pay if we find savings.

Clients

OUR HAPPY CLIENTS

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About

FACT

The Hidden Problem Costing You Millions

Your insurance premiums go up every year.

 

You show the board another increase, and hope your broker is doing their job.

 

But here’s what no one tells you:

  • Your broker gets paid more when you pay more
     

  • You’re likely paying for coverage no one uses
     

  • And you’re making decisions in the dark
     

If you don’t take control, the costs keep climbing.
And the board keeps looking to you for answers you don’t have.

That’s not fair. You’ve never been given the tools to challenge the system... until now.

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Services

HOW WE SAVE YOU MONEY

The C.L.E.A.R. Audit System™

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Confirm the Leak

You share basic plan data. We show cost trends and red flags.

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Locate Waste

We audit line-by-line. You see inflated fees and unused features.

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Examine Broker Bias

We review comp data. You find out who your broker really works for.

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Analyze Coverage

We compare your coverage to real use. Cut waste, not benefits.

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Reduce Costs

Use our report to save money and look sharp to the board.

Risk-Free Guarantee

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  • No Upfront Cost
     

  • No Disruption to Current Plans
     

  • No Savings = You Don't Pay

About
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ABOUT

Why RateCraft?

Andrea Luoni spent 20+ years working inside insurance brokerage firms.

 

She saw behind the curtain and didn’t like what she found.

Clients were loyal. Brokers weren’t.


Commissions climbed as premiums soared.

So she flipped the model.

At RateCraft, Andrea and her team only win if you save.


She’s led over 2,000 audits, uncovered $7.1M for a single client, and helped CEOs and CFOs like you stop the financial bleeding without disruption or drama.

Testimonials

REAL CLIENT WINS (NDA-Protected)

Cut total premium spend by 59%

Manufacturer (200 employees)

Frequently Asked Questions

Q: Can I reduce insurance costs without changing brokers?
A: Yes. We work around your broker, and you keep them if you want.

Q: What’s a forensic insurance audit?
A:  A deep review of how much you pay vs. what you actually need. It finds waste that your broker won't mention.

Q: How do I know if I’m overpaying for group health insurance?
A:  If your premiums went up more than 10% last year, you probably are. We benchmark your plan.

 

Q:  Do you help with employee benefits, too?
A:  Yes. We audit group health, dental, vision, and more.

Q:  Will this disrupt my current plan?
A:  No. Your team won’t even notice we’re auditing.

Q:  Are you an insurance broker?
A:  No. We never sell plans or take commissions. We're paid only when you save.

Q:  What industries do you serve?
A:  Manufacturing, life sciences, tech, logistics, hospitality, non-profits, and more.

Q:  How long does the audit take?
A:  Most results are delivered in 2–4 weeks.

Q:  Do you audit workers’ comp and liability, too?
A:  Yes. We cover all commercial insurance lines—property, liability, D&O, and more.

Q:  What’s the risk if I do nothing?
A:  You’ll likely keep overpaying without even knowing it. And when the board asks why, you’ll still have no answers.

NEXT STEP

Book Your Audit Call

 We’ll tell you if you’re overpaying, how much, and how to fix it.  If we don’t find savings, you pay nothing.

Contact

CONTACT

Let’s Work Together

6965 El Camino Real
105-587
Carlsbad, CA 92009

1-888-632-9900
info@ratecraft.com

License #0678444

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Use the form below to contact us to book a meeting or answer a question.  We will reply within 24 hours.

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