Submitting Offers

This guide covers how carrier reps submit offers in response to RFPs.

1. Complete Offer Details

Each coverage type has its own structured offer form. The form mirrors the broker's requested plan design.

Depending on coverage type, you'll enter:

Plan details
Benefit values
Rates (tiered, age-banded, or volume-based)
Commission information

Plan Responses: Each plan the broker configured gets its own tab in the offer form, so you respond plan by plan. Your response then maps exactly to what was requested. Each tab shows the broker's request in one column and your offer next to it.

Renewal vs. Alternative Plans: When a broker sends a renewal of the group's existing coverage alongside alternative options, each RFP is labeled Renewal of Existing Coverage or New / Alternative Option, so you can tell them apart at a glance.

Plan total fills itself in. If you leave a plan's Total premium empty, Monark calculates it from the rate breakdown. A value you type yourself is never overwritten.

Age-banded medical offers. For an age-banded medical offer, Calculate prices each enrolled member at their own age using the census, counting only the members enrolled in that coverage. If some members can't be priced, the message names them and the reason, for example "Unable to calculate plan total. Can't price 2 members: Jane Doe (no date of birth), John Roe (no rate for age 42)." Fill in the missing rate, or ask the broker to fix the census, then calculate again.

Tracking which plans are done. Every plan carries a status badge, and its tab shows a green check once the plan is submitted. The badge separates what you have typed from what Monark has actually saved:

| Badge | What it means | | ----------------------------------- | ------------------------------------------------------------------------------------------------- | | No response yet | Nothing entered for this plan | | Not submitted (amber) | You have entered rates or details, but they are not saved yet | | Unsaved changes (amber) | The plan was submitted, and you have edited it since | | Submitted (green, with a check) | Saved — the broker can see it | | Declined to quote | You have declined this plan. Decline — not submitted means the decline itself isn't saved yet |

Green never means "drafted." A plan reads as Submitted, and its tab shows the green check, only once the response has actually been saved. A half-finished plan can't look finished at a glance. There is no per-plan Quote button. Entering values marks a plan as responded to, and Submit Responses saves them.

Declining. To pass on a single plan, click Decline in that plan's header (Undo decline reverses it). To pass on the whole RFP, click Decline to Quote at the top of the page. This option is only available until you have responded to something.

Pre-Filling Offers from Your Proposal Document

If you already have your proposal as a document, you don't have to retype it. Every RFP has an Upload Proposal card above the coverage tabs: "Upload one proposal document for the whole RFP." It works on every coverage the broker invited you to quote.

Drag your document onto the card, or click to choose it. Supported formats are PDF, Excel (.xlsx, .xls), Word (.doc, .docx) and images, up to 25MB
Monark reads the document across every coverage on the RFP and lists what it found for each one, for example "Dental: 2 plans found". Coverages that aren't in your proposal show "no plans found" and can be left unquoted
The Map the proposal to this RFP dialog opens. For each plan the broker asked about, it lists the offerings from your document as checkboxes. Offerings Monark matches to that plan are pre-checked, so uncheck any you don't want to present. You can reopen the dialog at any time with Map plans
Click Apply to offers. The footer shows how many plans will be filled in. Nothing is filled until you apply
A confirmation reads "Filled in N plans across M coverages — review and submit below." Review each coverage tab, then submit

More than one offering for a plan. If you check several offerings under one requested plan, the first fills your offer for that plan. Each of the others becomes an extra column labeled Additional option and carries its plan name from your document (for example "MAC 1500").

Where the values land. Monark picks the reply column for you. It fills an empty offer directly, and if your only offer for that plan already has values it opens a new column rather than overwriting them. You are asked to choose ("Fill which reply", or New reply column) only when the plan already has two or more filled replies.

Check this one. If a coverage's results look like they came from a different coverage in your document, that coverage is badged Check this one with the reason, and nothing under it is pre-checked. Map it only if your proposal really does cover it.

Your document is saved with the RFP. The uploaded file is saved as your proposal on file for the coverages you were invited to quote. It is not attached to any one reply, so to make sure the broker sees it with your offer, also attach it under Attachments (see step 3). After a reload the card shows Proposal on file: with the file name as a link that opens the file in a new tab. If the file can't be opened, the card says "file unavailable, please upload it again". Uploading a new document replaces this saved file, but attachments you added yourself are left alone. Your previous file stays in place until the new one has saved.

Nothing is submitted by uploading. The result fills your offer forms for you to review. Check every field against your document before you submit, the same as an offer you typed by hand. If no plans are found, Monark shows "Proposal parsed, but no plans were found — enter your offer manually below."

2. Complete Coverage-Specific Sections

The following coverages follow similar patterns:

Medical
Dental
Vision
Life & AD&D
Disability (STD/LTD)
Accident
Hospital Indemnity
Critical Illness

Each form only shows fields relevant to that coverage.

3. Upload Attachments

You may upload:

Rate sheets
Benefit summaries
Supporting documentation

Attachments can be PDF, Excel, Word, images or CSV, up to 25MB each. Attachments are shared with the broker.

While you're editing, the Attachments section reminds you: "Want the broker to see your proposal? Upload it here." A document you used with Upload Proposal fills in your plan details but is not attached to the reply, so attach it here too. You can remove a file from a reply you haven't submitted yet.

4. Submit Your Offer

Values you enter are not saved until you submit. Until then, the plan reads Not submitted.

Submit Responses sits in a bar pinned to the bottom of the screen, below the last plan. It stays reachable wherever you have scrolled to and shows Submitting… with a spinner while your responses save. It saves every plan response on that coverage, including any additional option columns, at once. You don't submit plans one at a time. Your offer is sent to the broker immediately.

Missing a proposal PDF or a Total premium? If any plan you are quoting has no proposal PDF attached or no Total premium, a Submit incomplete response? dialog lists each of those plans with what is missing. Choose Go back to add them, or Submit anyway.

Editing after you submit. You can keep editing a submitted offer, which shows Unsaved changes until you submit again, up until the broker adds it to an employer-facing proposal. After that the offer is locked and the page shows Offer Added to Proposal. Contact the broker if changes are needed after that point.

If multiple coverages were requested:

Submit offers independently per coverage
Respond only to the lines you support
Each coverage tracks its own status

Submitting Multiple Offers for the Same Coverage

You can present more than one pricing option for the same requested plan, for example two different deductible levels for the same Dental plan.

How to add an additional option:

On the plan's tab, click Add Offer. If you already have an offer for that plan, a new column labeled Additional option is added next to it
Fill in the new column. It shows Needs a rate until you enter a rate, then Proposal selectable
Click Submit Responses to save it with the rest of the coverage

To remove an additional option, click the X in its column header.

Every column appears side by side, so the broker can compare all your options. The first column is the offer mapped to the broker's plan, and the rest are alternatives the broker can choose from.

Next Steps

Viewing Your Responses