Many companies are faced with an increase in group benefits premiums at the annual renewal time. Many of them will negotiate. Some of them will choose to shop the market of other insurers, get a lower rate, and switch away. Insurers know this, which is why they are willing to give customers almost any rate they need to get the deal. After the first or second renewal, they will slam the customer with a huge increase in premiums, knowing that they'll have a hard time shopping the market again after only one cycle, and how the customer hates the work involved in switching carriers so often.