Every branch and digital sale validates for license and suitability before it completes
Customer story
A top-5 retail bank distributing protection products
The bank and its carrier partners deployed Distribution & Agency for point-of-sale license, appointment and suitability validation, straight-through issuance of simple products via the product factory and confidence-gated underwriting, and dual-hierarchy commission settlement with automatic earned-vs-paid reconciliation.
A retail bank selling protection and savings products through 1,200+ branches could not reliably verify seller licensing at the point of sale, commission settlement with its carrier partners generated monthly disputes, and applications left the branch as pending paperwork rather than issued policies.
Illustrative outcome
82%
of channel policies issued straight-through
- Distribution & Agency
- Policy Administration
- Billing & Collections
Illustrative and capability-framed — representative of platform capability, not a verified named-customer claim.
The challenge
A retail bank selling protection and savings products through 1,200+ branches could not reliably verify seller licensing at the point of sale, commission settlement with its carrier partners generated monthly disputes, and applications left the branch as pending paperwork rather than issued policies.
The solution
The bank and its carrier partners deployed Distribution & Agency for point-of-sale license, appointment and suitability validation, straight-through issuance of simple products via the product factory and confidence-gated underwriting, and dual-hierarchy commission settlement with automatic earned-vs-paid reconciliation.
The results
What changed
Illustrative, capability-framed outcomes from the modules deployed — representative of what the platform is built to deliver.
Most channel policies now issue straight-through, so customers leave with a policy, not a pending file
Commission settlement disputes with carrier partners fell to near zero after reconciliation automated
Conduct signals link back to selling branches and individuals, surfacing issues before regulators do
The branch experience finally matches the banking app: the customer walks out covered, and we can prove every sale was licensed and suitable.
Modules used
The platform behind the story
Each module deploys independently yet shares the same data fabric, Cortex brain and evidence ledger — explore the ones in this story.
Distribution & Customer
Distribution & Agency
Onboard, license, pay and grow your producer force.
Explore Distribution & AgencyCore Insurance
Policy Administration
Service the book, launch products and run MGA programs on one core.
Explore Policy AdministrationCore Insurance
Billing & Collections
Collect every premium, settle every commission, on time.
Explore Billing & CollectionsSee these outcomes on your world
Book a working session and we will map your domains, data sources and frameworks onto AegisNow — and show the same story running on your data.