Streamline regulatory reporting, enhance compliance accuracy, and gain forward-looking analytical insights
Insurance companies face increasing regulatory complexity, resource-intensive manual processes, and legacy technology limitations that impact operational efficiency and compliance quality.
Insurance compliance teams dedicate substantial staff time to manual data entry, validation, and reconciliation across multiple regulatory forms and schedules. The quarterly and annual filing cycles require coordinating data from various source systems, manually mapping values to NAIC line items, performing cross-schedule reconciliations, and validating thousands of data points against regulatory rules. This manual effort diverts skilled professionals from higher-value analytical work and strategic planning activities.
Legacy compliance software often requires significant capital investment with extended implementation timelines spanning six to eighteen months. These solutions typically involve complex licensing structures, substantial professional services fees for customization and integration, ongoing maintenance costs, and dedicated IT resources for system administration. The total cost of ownership extends well beyond initial licensing fees, creating budget challenges particularly for mid-market insurers.
Traditional rule-based validation systems may not detect complex cross-schedule inconsistencies, peer-relative outliers requiring regulatory explanation, or subtle data quality issues that become apparent only through comparative analysis. Many legacy systems perform validation in batch mode after data entry is complete, requiring time-consuming rework when errors are discovered. The lack of real-time feedback and contextual guidance increases the risk of filing errors and regulatory inquiries.
Insurance companies face difficulty performing comprehensive scenario analysis and forward-looking capital planning with traditional tools and manual processes. Static spreadsheet-based sensitivity analysis is time-consuming, limited in scope, and difficult to maintain. Most legacy compliance systems focus exclusively on historical reporting rather than predictive analytics, leaving companies without tools to model how changes in interest rates, reserve development, or investment mix might impact future RBC ratios and regulatory capital requirements.
Many existing compliance solutions utilize older desktop-based or client-server architectures with limited integration capabilities, requiring significant user training and manual workarounds. These systems often lack modern API capabilities for seamless data exchange with policy administration, claims, and accounting systems. The user experience typically reflects outdated design patterns, making systems difficult to learn and inefficient to use. Mobile access is often unavailable or severely limited, restricting flexibility for remote work.
Traditional vendors typically update their systems only after regulatory changes are finalized and adopted by the NAIC, limiting advance preparation time for new requirements. This reactive approach means companies learn about upcoming changes through vendor release notes rather than proactive guidance during the drafting and exposure period. When SAPWG or Blanks Working Group proposes changes to annual statement blanks or accounting guidance, companies using legacy systems have limited visibility into potential impacts until changes become mandatory, creating compressed timelines for system updates, data model changes, and process adjustments.
Cloud-native insurance compliance platform with AI-powered analytics, built by experienced NAIC system architects with deep regulatory expertise.
Our platform goes beyond traditional compliance reporting to provide forward-looking analytical capabilities that help insurance companies anticipate and plan for future capital requirements and regulatory scenarios.
Multi-Variable Sensitivity Analysis: Automatically test thousands of scenario combinations across capital levels, reserve development patterns, investment mix changes, and underwriting results. The AI engine identifies non-linear impacts where small changes in certain variables disproportionately affect surplus or RBC ratios, and automatically ranks variables by materiality to help prioritize risk management focus. This provides faster and deeper insights into regulatory risk drivers compared to manual static scenario testing.
Macro-Driven Scenario Intelligence: Connect macroeconomic indicators like interest rate movements, inflation trends, loss cost inflation, and credit spreads directly to NAIC line items and financial statement impacts. The system generates dynamic stress scenarios adapted to your company's specific profile, line of business mix, and historical patterns. Model realistic scenarios such as "If interest rates rise 150 basis points and inflation persists for three quarters, here's the projected impact on surplus, RBC ratios, and key financial metrics."
Predictive RBC Modeling: Forecast how changes in asset allocation, reserve development, premium growth, and other factors will affect future RBC ratios over multiple quarters. The early warning system detects scenarios that may breach regulatory thresholds two to four quarters before they occur, enabling proactive capital planning rather than reactive compliance responses.
Peer-Relative Sensitivity Insights: Compare your company's sensitivity to key assumptions against peer companies and industry benchmarks. Identify where you are more sensitive than peers to specific variables, detect outlier positions under stress scenarios, and understand which macroeconomic factors impact your company more than the industry average. This competitive and regulatory context uses NAIC-as-filed peer data to provide meaningful comparative analysis.
Unlike competitors who only update systems after regulatory changes are finalized, our platform embeds draft regulatory guidance directly into your filing workflow, providing early visibility into upcoming requirements.
Important Note on Draft Guidance: All draft regulatory content is sourced from publicly available NAIC exposure documents during official comment periods. Draft guidance is subject to change and should not be treated as final requirements. Companies must exercise professional judgment and await final adoption before implementing changes. This feature provides early awareness for planning purposes only.
Draft SAPWG and Blanks Working Group Guidance: Access draft Statutory Accounting Principles Working Group and Blanks Working Group guidance embedded in the filing workflow before rules are finalized. Draft changes are early warning signals that indicate likely regulatory direction, as proposals rarely reverse late in the exposure process. This enables parallel planning for system changes, chart-of-accounts updates, and data model modifications before mandatory adoption.
Impact Assessment Tools: Identify which line items, notes, and schedules may be affected by proposed regulatory changes. Flag potential data gaps and reclassification needs during the drafting period rather than after adoption. Regulators expect companies to be aware of upcoming changes, and early preparedness is viewed favorably during examinations.
Automated Gap Analysis: Compare your current data collection and reporting capabilities against proposed future requirements. Identify system enhancements, data source changes, and process modifications needed to comply with upcoming regulatory changes.
Regulatory Calendar and Timeline Tracking: Monitor exposure periods, comment deadlines, expected adoption dates, and effective dates for regulatory changes. Receive proactive notifications about changes relevant to your insurance lines and jurisdictions.
Our validation engine provides immediate feedback as data is entered, catching errors and inconsistencies before hours of work are invested in incorrect approaches.
Real-Time Error Detection: Validate data as it's entered rather than in batch mode after completion. Receive immediate feedback on formula errors, range violations, and logical inconsistencies. This reduces rework time and improves data quality throughout the filing preparation process.
Cross-Schedule Consistency Checking: Automatically detect inconsistencies across multiple forms and schedules. Ensure that values reported in summary exhibits match detailed supporting schedules, that reinsurance ceded amounts reconcile across all affected statements, and that investment schedules tie to balance sheet values.
Peer Comparison Validation: Flag outliers relative to similar companies in your peer group. Identify values that fall outside typical ranges for companies of similar size, line of business mix, and geographic footprint. This helps anticipate potential regulatory questions and prepare explanations before submission.
Built from the ground up as a cloud-native application, our platform provides the scalability, security, and integration capabilities that modern insurance companies require.
Streamlined Implementation: Deploy significantly faster than traditional enterprise solutions that require six to eighteen months of implementation effort. Our cloud-native architecture eliminates infrastructure setup, reduces integration complexity, and accelerates time-to-value.
API-First Design: Comprehensive RESTful APIs enable seamless integration with policy administration systems, claims platforms, actuarial tools, and accounting systems. Real-time data synchronization eliminates manual data transfers and reduces reconciliation effort.
Mobile-Responsive Interface: Access full functionality across desktop, tablet, and mobile devices. Review filing status, approve submissions, and monitor validation results from anywhere. The modern user interface requires minimal training and follows intuitive design patterns.
Enterprise Security and Compliance: SOC 2 compliant infrastructure with bank-grade encryption, role-based access control, multi-factor authentication, and comprehensive audit logging. All data is encrypted in transit and at rest, with regular security assessments and penetration testing.
Transform regulatory filing data into actionable business intelligence with comparative analytics that provide context and competitive insights.
Comparative Analysis: Compare your company's financial metrics against peer companies and industry standards. Understand where your performance, capital position, and risk profile differ from similar insurers. Identify areas of competitive strength and potential concern.
Benchmarking Against Best-in-Class: Measure your performance against top-quartile companies in your peer group. Identify best practices and performance gaps across underwriting results, investment returns, expense ratios, and capital efficiency.
Trend Analysis with Forward Projections: Analyze historical performance patterns and project forward trends based on current trajectories. Identify inflection points where trends are changing and understand the drivers behind performance shifts.
NAIC Financial Data Repository Integration: Leverage data from the NAIC Financial Data Repository to provide industry context and peer comparisons. Access the same data that regulators use for solvency monitoring and market analysis.
Transform complex analytical results into clear, understandable narratives suitable for regulatory submissions, management reports, and board presentations.
AI Governance & Human Oversight: All AI-generated content requires human review and validation before use in regulatory submissions. While our AI models are trained on regulatory terminology and frameworks, they may produce errors or unexpected results. Users must review, validate, and take responsibility for all AI-generated content. Ultimate responsibility for regulatory filings and compliance remains with the insurance company.
Plain-Language Explanations: Automatically generate plain-language explanations of complex sensitivity analysis results, peer comparisons, and trend analysis. For example: "A 1% adverse reserve development has higher surplus impact than interest rate shocks due to line-of-business concentration in long-tail casualty lines."
Auto-Generated Management Discussion Content: Create draft content for Management's Discussion and Analysis sections, internal risk memos, and strategic planning documents. The AI understands regulatory terminology and generates content appropriate for different audiences.
Regulator-Ready Summaries: Generate summaries formatted for regulatory inquiries and examination responses. The system understands how regulators interpret stress test outcomes and frames explanations accordingly.
Board-Level Presentations: Condense complex analytical outputs into decision-focused insights suitable for board presentations. Highlight key risks, capital adequacy trends, and strategic implications without overwhelming non-technical audiences.
Enhanced capability for scenario planning and forward-looking capital adequacy assessment
Comprehensive validation designed to support higher quality regulatory submissions
Comparative analytics to understand relative positioning within the industry
Clear, actionable analytics and narratives to support board-level decision-making
Enable compliance teams to focus on strategic analysis rather than manual data processing
Streamlined implementation process designed to accelerate time-to-value
Our team has architected the core systems that power U.S. insurance regulation, providing deep knowledge of regulatory requirements, validation methodologies, and analytical frameworks that inform our platform design.
Over eight years, our team has designed and built the electronic infrastructure that state insurance regulators and insurance companies use daily for licensing, financial reporting, market conduct oversight, and consumer protection.
UCAA (Uniform Certificate of Authority Application) System: Electronic system enabling state regulators to receive and process applications from insurers seeking initial licenses through Primary Applications, expansion into new states via Expansion Applications, or corporate structure changes through Amendment Applications. This system standardizes the multi-state licensing process and facilitates regulatory coordination across jurisdictions.
Financial Data Repository (FDR) / INSDATA System: The centralized database that collects financial statement filings and data from multi-state insurers for regulatory analysis and solvency monitoring. This crucial system stores annual and quarterly financial data including Risk-Based Capital reports, providing the foundation for solvency analysis using tools like the Insurance Regulatory Information System (IRIS). The FDR enables state regulators to ensure insurer stability and compliance through comprehensive financial oversight.
Internet Filing (IF) / Regulatory Data Collection (RDC) System: The electronic submission platform used by insurers to submit annual and quarterly financial statements, Risk-Based Capital reports, and other required financial data to the NAIC for regulatory analysis. This system processes thousands of filings annually and serves as the primary conduit for statutory financial data flowing from insurers to regulators.
Market Conduct Annual Statement (MCAS) System: Online application enabling state regulators to collect standardized market conduct data from insurers to support market analysis, consumer protection initiatives, and regulatory oversight of business practices beyond financial solvency.
Life Insurance Policy Locator: Consumer-facing search application helping individuals find lost or forgotten life insurance policies and annuity contracts of deceased loved ones. This system searches across participating insurers to reunite beneficiaries with unclaimed benefits.
Consumer Insurance Search: Public tool enabling consumers to verify whether an insurance company or agent is properly licensed in their state, supporting consumer protection and fraud prevention efforts.
Online Fraud Reporting System (OFRS): Application allowing consumers and industry members to report suspected insurance fraud to appropriate state authorities, facilitating coordination between state fraud bureaus and supporting anti-fraud enforcement.
Consumer Participation Program Application: Online form enabling individuals to apply as funded or unfunded consumer representatives to participate in NAIC meetings and advocate for consumer interests in the regulatory process.
Beyond public-facing systems, our team has architected the confidential analytical tools that state Departments of Insurance use to monitor insurer solvency, identify financial risks, and prevent insolvencies. This insider knowledge of regulatory analytical methodologies is unique in the compliance software market.
Financial Profile Reports: Condensed summaries of an insurer's financial standing displaying data over multiple periods to help regulatory analysts identify trends and compare performance against industry averages. These reports provide the first-level overview that regulators use to assess financial condition and prioritize examination resources.
Insurance Regulatory Information System (IRIS) Reports: Solvency screening tool that compares an insurer's financial ratios to established ranges indicating normal versus concerning performance. IRIS reports highlight companies with ratios outside usual ranges, triggering deeper regulatory analysis. This system serves as the primary early warning mechanism for potential solvency issues.
Risk-Based Capital (RBC) Reports: Confidential reports processed by the NAIC and provided to state regulators measuring an insurer's capital adequacy based on the specific risks it underwrites. RBC calculations determine regulatory action levels and trigger intervention when capital falls below required thresholds.
Financial Analysis Solvency Tools (FAST) Reports: Advanced analytical tools for in-depth analysis of a company's financial position, helping regulators identify specific risks of future insolvency. FAST reports go beyond ratio analysis to examine reserve adequacy, reinsurance collectability, investment quality, and other detailed risk factors.
Jumpstart Reports: Specialized reports assisting financial examiners during on-site examinations by providing detailed information on complex areas such as reinsurance arrangements, investment portfolios, and loss reserve development. These reports accelerate examination efficiency by pre-analyzing key risk areas.
Filing Compliance Reports: Tracking systems monitoring whether insurance companies have met requirements for submitting timely, complete, and accurate financial statements. These reports identify filing deficiencies and support regulatory enforcement of reporting requirements.
These confidential analytical tools are fundamental to the U.S. state-based insurance solvency surveillance system. Our team's experience building these systems provides unparalleled insight into how regulators analyze filings, what triggers regulatory concern, and what constitutes high-quality regulatory reporting.
We are currently engaged in modernizing NAIC's core regulatory systems with artificial intelligence, bringing cutting-edge technology to insurance regulation. This active partnership provides direct knowledge transfer into our commercial product development.
Project Timeline: October 1, 2025 through August 1, 2026 - an active engagement running parallel to our commercial product development, ensuring our platform incorporates the latest regulatory technology approaches.
AI-Powered Excel Processing: Developing automated interpretation and conversion capabilities for Excel-based specifications, enabling business users to define regulatory rules and calculations without extensive technical programming. This technology directly informs our platform's ability to rapidly adapt to regulatory changes.
Web-Based Administration Interface: Creating intuitive interfaces that mirror Excel layouts familiar to business users while providing the power and scalability of enterprise web applications. This user experience design philosophy carries through to our commercial platform.
Dynamic Calculation Engine: Building real-time validation capabilities with financial data integration, enabling immediate feedback on data quality and regulatory compliance. This same technology powers our platform's real-time validation features.
Microservices and Spring Modulith Architecture: Implementing scalable, maintainable system architecture with enterprise integration capabilities. Our commercial platform leverages these same architectural patterns for reliability and performance.
Comprehensive Automated Testing: Developing validation frameworks that test various financial scenarios automatically, ensuring accuracy across diverse company profiles and reporting situations. This testing methodology ensures our platform handles edge cases and complex scenarios.
Workflow Management Capabilities: Implementing complete change tracking, approval processes, and audit trails meeting regulatory requirements for system controls and documentation. These workflow patterns are embedded in our commercial platform.
Performance Optimization: Achieving sub-second response times through multi-level caching and query optimization, ensuring regulatory systems remain responsive under heavy load. Our platform applies these same performance engineering principles.
Comprehensive Quarterly Support: Building systems that handle Q1, Q2, Q3, Q4, and Annual reporting requirements across all insurance lines, ensuring complete coverage of regulatory filing cycles.
Knowledge Transfer and Documentation: Creating complete documentation and user training materials that make complex regulatory systems accessible to business users. This documentation expertise ensures our commercial platform is well-supported and easy to adopt.
Our team's experience building both public submission systems and confidential regulatory analysis tools provides deep understanding of regulatory processes that informs our platform design and validation approaches.
Regulatory Infrastructure Expertise: We built systems that state insurance regulators use for solvency monitoring and financial analysis. This experience provides understanding of how regulators process, analyze, and interpret filings, which data points receive regulatory scrutiny, which ratios are most important for solvency assessment, and which analytical approaches regulators employ.
Validation Methodology Understanding: Having built IRIS, RBC processing, FAST reports, and other analytical tools, we understand how regulators validate filings and identify potential issues. Our platform's validation rules are informed by regulatory analytical approaches, helping catch issues before submission.
Data Flow Knowledge: We possess comprehensive understanding of how data flows from insurer source systems through NAIC infrastructure to regulatory analysis tools. This end-to-end perspective enables us to optimize data collection, transformation, and submission processes.
Analytical Framework Familiarity: Our experience building Financial Profile Reports, solvency screening tools, and risk assessment systems provides understanding of regulatory analytical frameworks, which metrics matter most, how ratios are interpreted in context, and what constitutes concerning trends versus normal variation.
Regulatory Technology Evolution Insight: Through our ongoing NAIC modernization work, we have visibility into how regulatory technology is evolving, what capabilities regulators are developing, and where regulatory expectations are heading. This perspective enables us to build platform capabilities that anticipate future regulatory needs.
Unique Competitive Position: Our team's experience building both public-facing submission systems (Internet Filing, FDR) and confidential regulatory analysis tools (IRIS, FAST, RBC processing, Financial Profile Reports) provides dual perspective—understanding both the insurer submission experience and the regulator analysis process—that informs our platform design.
Our team's experience building NAIC regulatory infrastructure—both public submission systems and confidential analytical tools—provides deep understanding of compliance requirements, data validation standards, and regulatory expectations that informs our platform design and validation approaches.
This regulatory systems expertise translates into platform capabilities that align with regulatory perspectives and validation standards. When you use eFileWithAI, you benefit from years of regulatory system architecture experience.
| Feature | eFileWithAI | Legacy Vendors |
|---|---|---|
| Implementation Time | Streamlined deployment | Extended implementation timeline |
| Annual Cost | Transparent, scalable pricing | Traditional enterprise licensing |
| Architecture | Cloud-native, API-first | Desktop or lifted-shifted |
| Regulatory Intelligence | Proactive draft guidance + AI | Reactive post-adoption updates |
| Predictive Analytics | Multi-variable sensitivity, RBC forecasting | None or basic scenarios |
| Validation | Real-time, cross-schedule, peer comparison | Batch, rule-based only |
| User Experience | Modern, intuitive, mobile-responsive | Outdated, complex, desktop-only |
| Integration | RESTful API, webhooks, real-time sync | Limited API, batch file transfers |
| NAIC Expertise | Built NAIC systems (2017-present) | External user perspective only |
| AI Capabilities | Native AI-first architecture | Bolt-on automation or none |
Transparent, scalable pricing designed to align with your organization's needs and usage patterns
Contact us for a customized ROI analysis based on your organization's specific compliance requirements and current processes
Complete statutory reporting including Assets, Liabilities, Operations, Cash Flow, RBC calculations, and separate accounts
Multi-state support with underwriting exhibits, premium/loss analysis, reinsurance schedules, and P&C-specific RBC
MLR calculations, ACA compliance reporting, managed care schedules, and Health insurance RBC
Title-specific schedules, escrow account management, state-specific requirements, and title plant valuation
50+ state regulatory requirements, NAIC Internet Filing System integration, state-specific validation rules
Annual statements, quarterly filings, RBC calculations, ad-hoc submissions, regulatory inquiries
Completed January 2026
Life Insurance Assets Form validation proof-of-concept with XBRL generation and real-time processing capabilities
MVP Launch
Authentication & authorization, complete Life/Fraternal module, initial beta customer program, streamlined implementation process
Market Expansion
P&C insurance reporting, proactive regulatory intelligence, dashboard & reporting, XBRL submission capabilities, growing customer base
AI-Powered Analytics
Health insurance support, AI sensitivity analysis, macro scenarios, predictive RBC, peer insights, AI narratives, API integrations, expanded market presence
Full Platform
Title insurance support, partner ecosystem development, international compliance capabilities, continued market growth
eFileWithAI is a modern insurance compliance platform designed to streamline regulatory reporting and enhance analytical capabilities. Founded by experienced NAIC system architects, we combine deep regulatory expertise with advanced AI technology.
Enable insurance companies to enhance compliance efficiency and analytical capabilities through modern technology and AI-powered intelligence
Deliver a leading insurance compliance platform that sets high standards for quality, efficiency, and forward-looking insights
Innovation, transparency, customer success, regulatory excellence, and continuous improvement
Discover how eFileWithAI can enhance your regulatory reporting efficiency and analytical capabilities
Or contact us directly:
Email: info@eFileWithAI.com
We typically respond within one business day
Personalized demonstration tailored to your insurance line and specific compliance requirements
We review your current compliance workflow and identify potential optimization opportunities
Streamlined deployment with dedicated support, training, and data migration assistance
Our streamlined implementation approach is designed to minimize disruption and accelerate time-to-value compared to traditional enterprise compliance solutions.
Typical implementation timelines range from 30 to 90 days depending on organizational complexity, data readiness, integration requirements, and number of insurance lines being deployed. Our cloud-native architecture eliminates infrastructure setup time and reduces integration complexity compared to legacy on-premise solutions.
Phase 1: Discovery & Planning (Week 1-2)
Requirements gathering, current process documentation, data source identification, integration planning, resource allocation, and project timeline finalization. We work with your compliance, IT, and actuarial teams to understand current workflows and data flows.
Phase 2: Configuration & Integration (Week 3-6)
Platform configuration for your insurance lines and jurisdictions, API integration with source systems, data mapping and transformation logic, user role and permission setup, and initial data migration. Our team handles technical configuration while your team validates business rules.
Phase 3: Testing & Validation (Week 7-10)
Comprehensive testing with historical filing data, validation rule verification, parallel run with existing systems, user acceptance testing, and issue resolution. We ensure platform produces accurate results matching your historical filings before go-live.
Phase 4: Training & Go-Live (Week 11-12)
Comprehensive user training for compliance team, administrator training for IT staff, documentation handoff, production cutover, and post-go-live support. We provide hands-on training and remain available for questions during initial production use.
Customer Team Commitment: Implementation requires dedicated participation from compliance team members (approximately 10-15 hours per week), IT resources for integration support (approximately 5-10 hours per week), and actuarial/accounting subject matter experts for validation (approximately 5 hours per week). Executive sponsorship and decision-making authority are essential for timely progress.
eFileWithAI Team: We provide dedicated implementation manager, technical integration specialists, training specialists, and ongoing customer success support. Our team handles platform configuration, integration development, and technical troubleshooting.
We support multiple data migration approaches depending on your needs: API-based real-time integration with source systems, batch file imports from existing systems, manual data entry for smaller data sets, and hybrid approaches combining automated and manual processes. Historical filing data can be imported for trend analysis and peer comparison purposes.
We recommend parallel operation with existing systems for at least one full filing cycle to ensure accuracy and build confidence. During parallel run, your team prepares filings in both systems and compares results. This approach minimizes risk while validating platform accuracy before full transition.
Enterprise-grade security and compliance built into our cloud-native architecture from day one.
Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption. Encryption keys are managed using industry-standard key management services with regular rotation. Database encryption, file storage encryption, and backup encryption are standard across all environments.
Access Controls: Role-based access control (RBAC) with granular permissions, multi-factor authentication (MFA) required for all users, single sign-on (SSO) integration with enterprise identity providers, session management with automatic timeout, and IP whitelisting capabilities for enhanced security.
Network Security: Web application firewall (WAF) protection, DDoS mitigation, intrusion detection and prevention systems, regular vulnerability scanning, and penetration testing by independent security firms.
SOC 2 Type II Compliance: Our platform undergoes annual SOC 2 Type II audits covering security, availability, processing integrity, confidentiality, and privacy. Audit reports are available to customers under NDA.
Additional Certifications: We maintain compliance with industry security standards and undergo regular third-party security assessments. Our cloud infrastructure providers maintain certifications including ISO 27001, PCI DSS, and other relevant standards.
Data Residency: Customer data is stored in secure data centers within the United States. Data center locations are disclosed to customers and can be specified based on regulatory requirements. We do not transfer customer data outside the United States without explicit consent.
Data Retention: Customer data is retained according to contractual terms and regulatory requirements. Customers control retention policies for their filing data and can specify retention periods based on their needs.
Data Portability: Customers can export their data at any time in standard formats including CSV, Excel, and JSON. Upon contract termination, we provide complete data export and securely delete customer data according to agreed timelines. No vendor lock-in—your data remains accessible and portable.
Comprehensive Audit Logging: All user actions, data changes, filing submissions, and system events are logged with timestamps, user identification, and change details. Audit logs are tamper-proof and retained for regulatory examination purposes.
Regulatory Examination Support: During regulatory examinations, authorized regulators can access filing history, change logs, validation results, and supporting documentation. We provide examination support and can generate reports showing filing preparation process and controls.
High Availability: Our platform is designed for 99.9% uptime with redundant infrastructure, automatic failover, and load balancing. We monitor system health 24/7 and respond immediately to any issues.
Backup & Recovery: Automated daily backups with point-in-time recovery capabilities, geographically distributed backup storage, regular backup testing and restoration drills, and documented recovery procedures. Recovery time objectives (RTO) and recovery point objectives (RPO) are specified in service level agreements.
Filing Deadline Protection: We understand regulatory filing deadlines are critical. Our infrastructure includes redundancy and failover capabilities to ensure platform availability during filing periods. In the unlikely event of extended outage, we provide alternative submission methods and work with customers to meet regulatory deadlines.
Implementation timelines vary based on organizational complexity, data readiness, and integration requirements. Our streamlined approach is designed to be significantly faster than traditional enterprise implementations. We work closely with each customer to establish realistic timelines that account for their specific circumstances.
We support Life/Fraternal, Property & Casualty, Health, and Title insurance. Our platform handles all NAIC statutory reporting requirements, quarterly and annual filings, RBC calculations, and multi-state submissions.
We're AI-first, not bolt-on automation. Our platform performs multi-variable sensitivity analysis (thousands of scenarios), macro-to-statutory linkage, predictive RBC modeling with 2-4 quarter early warnings, and peer-relative insights—capabilities legacy vendors don't offer.
We built NAIC's core systems (2017-present) including FDR, Internet Filing, and confidential regulatory tools. We're currently modernizing NAIC systems with AI (2025-2026). This insider knowledge is unreplicable—we validate filings against the same tools regulators use.
Unlike competitors who update only after rules finalize, we embed draft SAPWG/Blanks Working Group guidance directly in your workflow. You see proposed changes during filing preparation, enabling proactive planning before changes become mandatory.
We offer flexible tiered pricing with entry-level, professional, and custom enterprise options. Pricing is based on factors including filing volume, number of states, insurance lines covered, and selected features. Contact our sales team for a customized quote based on your specific requirements.
Yes. We're SOC 2 compliant with bank-grade encryption, role-based access control, multi-factor authentication, and comprehensive audit logging. Our cloud-native architecture is built for enterprise security from day one.
Absolutely. Our API-first architecture provides RESTful APIs, webhooks, and real-time data sync. We integrate with policy admin systems, claims platforms, actuarial tools, and accounting systems. Custom integrations available for Enterprise customers.
Professional and Enterprise plans include 24/7 technical support, dedicated customer success managers, quarterly business reviews, continuous training, and proactive regulatory update notifications. Implementation includes hands-on training and validation support.
All AI-generated content requires human review and validation before use. Our AI models are trained on regulatory terminology and frameworks, but may produce errors. We implement quality controls, validation checks, and human oversight requirements. Users must review, validate, and take responsibility for all AI-generated content used in regulatory submissions.
You can export your complete data at any time in standard formats (CSV, Excel, JSON). Upon contract termination, we provide full data export and securely delete your data according to agreed timelines. There is no vendor lock-in—your data remains portable and accessible. Data retention and deletion procedures are detailed in service agreements.
Our platform is designed for 99.9% uptime with redundant infrastructure and automatic failover. We monitor systems 24/7 and respond immediately to issues. In the unlikely event of extended outage during filing periods, we provide alternative submission methods and work directly with customers to meet regulatory deadlines. SLA guarantees and remedies are specified in service agreements.
As a new platform, we are building our customer base and case study portfolio. We have completed successful proof-of-concept validation demonstrating platform capabilities. We are working with early adopter customers and will publish case studies as they become available. Contact our sales team to discuss pilot program opportunities and connect with reference customers.
Discover how eFileWithAI can streamline your regulatory reporting and enhance your analytical capabilities
Forward-Looking Statements: This website contains forward-looking statements regarding product features, development timelines, market opportunities, and expected benefits. Actual results may differ materially due to various factors including market conditions, regulatory changes, technical challenges, and competitive dynamics. These statements represent management's current expectations and are subject to risks and uncertainties.
Product Development: Certain features and capabilities described herein are under development and may not be currently available. Product roadmap, features, and timelines are subject to change without notice. Contact sales for current product availability and specifications.
Performance Claims: References to efficiency improvements, cost savings, time reductions, and other benefits are based on internal estimates, proof-of-concept results, and projected outcomes. Actual results will vary based on individual customer circumstances, implementation approach, data quality, existing systems, and usage patterns. No guarantee of specific results is provided.
Regulatory Compliance: While eFileWithAI is designed to support insurance regulatory compliance, ultimate responsibility for regulatory filings and compliance remains with the insurance company. Users should validate all submissions and maintain appropriate oversight of compliance processes. This platform does not constitute legal or regulatory advice.
AI Technology: AI-powered features utilize machine learning models that improve over time. While designed for high accuracy, AI systems may produce errors or unexpected results. Users should review and validate AI-generated content, recommendations, and analyses before relying on them for regulatory submissions or business decisions.
Pricing: Pricing information is subject to change. Actual costs depend on selected plan, usage volume, implementation requirements, and contractual terms. Contact sales for detailed pricing proposals and terms.
Trademarks: eFileWithAI and associated logos are trademarks of eFileWithAI. Other company and product names mentioned may be trademarks of their respective owners.