Policy and endorsement authoring
Draft from approved clauses with jurisdiction, product, readability, and prohibited-language checks.
approved clausestate variationactuarial support
Policy-to-proof operations
Turn every policy, endorsement, claim, and filing into reusable regulatory proof.
A junior-friendly workspace for policy drafting, underwriting, product filings, claims documentation, market-conduct controls, and state-by-state requirement management.
One governed operating record
✓ Fewer filing defects✓ Consistent policy language✓ Traceable underwriting rationale✓ Exam-ready market-conduct evidenceRole-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.
Rate, rule, and form filing
Build state-specific filing sets with validation, certifications, objections, amendments, and receipts.
formrate supportfiling rulesubmission receipt
Underwriting and eligibility review
Apply approved guidelines with exception reasoning, referral gates, and fairness monitoring.
application factsguideline versionexception approval
Claims and complaint documentation
Guide coverage analysis, communications, timing, escalation, and complaint root-cause capture.
claim filepolicy versiontimelinedisposition
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Only consented workflow metadata and reviewed outcomes improve templates; protected health, claim, and applicant content stays isolated.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterInsurance teams
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓NAIC market conductAuthority · task · evidence · result · receipt
- ✓State DOI examination requirementsAuthority · task · evidence · result · receipt
- ✓Rate/rule/form filing requirementsAuthority · task · evidence · result · receipt
- ✓Unfair claims and trade-practice controlsAuthority · task · evidence · result · receipt
Smarter × Vigil