Policy Intelligence.
Carrier illustrations and statements are built to be hard to read. We digitize them and answer the question that matters: what is this policy really worth, and where is it headed? Which product we run depends on one thing — how much documentation is available.
Two paths, decided by your inputs
Both products reverse-engineer a policy's true economics — cost-of-insurance rates, optimized premiums, projected termination dates, and a full valuation. The difference isn't the depth of the answer; it's how much source material we're working from. When the full document set is in hand, our experts reconstruct the policy directly. When it isn't, machine learning fills the gaps.
PolicyInsightPRO
Policy docs availableExpert-crafted, when documentation is complete.
A hands-on, tailored analysis. Our team reviews the illustration and all available policy (and health) documents, reverse-engineering the policy to deliver the most accurate appraisal possible — every result passing a three-tiered accuracy audit.
- Inputs: illustration plus all available policy and health documents
- Calculated COI rates and monthly & annual optimized premiums
- Dynamic policy valuation calculator, delivered as an Excel model and/or API
- Best for advanced premium optimization, scenario modeling, and in-depth appraisals
PolicyInsightAI
Limited infoMachine learning fills the gaps, instantly.
AI-powered analysis from as little as a single annual statement. Predictive models trained on 1M+ data points produce a highly accurate valuation in seconds — a first-of-its-kind approach built to minimize assumptions when documents are scarce.
- Inputs: key policy details, an annual statement, or a policy summary/VOC
- Predicted COI rates, annual optimized premiums, and a policy valuation matrix
- Delivered instantly as a PDF report and/or API message
- Best for speed and scale: bulk analysis, prioritization, and early viability testing
What you get back
Every assessment returns a clear policy details summary, the policy's real cost-of-insurance curve, optimized premium schedules, and a valuation you can act on — as a polished report, a live model, or a structured API message that drops straight into your own systems.
Trained on 1M+ data points
Our predictive models learn from one of the industry's largest policy datasets, so even limited-input estimates land with confidence.
Three-tiered accuracy audit
Every expert PolicyInsightPRO result is reviewed through a layered audit before it's delivered.
Independent by design
We don't represent carriers or earn commissions. The valuation is the valuation — driven purely by the math.
Built to integrate
Results can be delivered as a report or a customizable API message for portfolio auditing and lead generation at scale.
Ready to see it on your own policies?
Run an assessment through the InsuriShield platform, or talk to our team about volume and API access.