Solvency and statutory operations
Reconcile statements, reserves, recoverables, investments, capital, liquidity, governance, and stress.
statutory statementreserve analysisreinsuranceRBC
Work-to-proof operating intelligence
Make solvency, products, policies, claims, and market conduct continuously examinable.
Connect statutory reporting, reserves, reinsurance, investments, RBC, governance, underwriting, claims, complaints, producers, and filings.
One governed operating record
✓ Faster governed work✓ Earlier material-risk detection✓ Complete evidence lineage✓ Continuous regulatory readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Product and market conduct
Guide forms, rates, underwriting, claims, complaints, producers, cancellations, and remediation.
policyrate filingclaim filecomplaint
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Raw work product remains workspace-private; only authorized, purpose-bound, pseudonymous reviewed outcomes may enter minimum-cohort learning.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterInsurance Carriers
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓NAIC financial-condition examinationAuthority · task · evidence · result · receipt
- ✓NAIC market-conduct examinationAuthority · task · evidence · result · receipt
- ✓SERFF filingsAuthority · task · evidence · result · receipt
- ✓State insurance cybersecurityAuthority · task · evidence · result · receipt
Smarter × Vigil