Platform
Who it's for
How it works
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The operating system for insurance distribution
One platform, from carrier to agent.
Onboarding, contracting, commissions, compensation and carrier operations on one ledger that carriers and distributors share. AI takes the busywork. Every result shows its working.
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Explore the platform
2
carriers live
5
FMOs live
1
ledger between them
Work queue · ranked by dollars at risk
All modules · Oct 2026
Underpayment · [Carrier A]
Commissions · Holder: you · Age 4d
$18,420.00
Open
Appointment pending · [Agent C]
Contracting · Waiting on carrier · Age 9d · SLA 7d
Past SLA
Licence expiring · [Agent D]
Compliance · NIPR check · 14d left
Due soon
FMO override · [Agency E]
Compensation · Matched to schedule
$1,280.00
Settled
Dollars at risk · Net of clawbacks · Statement month Sep 2026
$18,420.00
Why now
Distribution runs on spreadsheets, portals and inboxes. The money leaks in the gaps.
An agent waits weeks to get appointed. A carrier statement lands in a format nobody mapped. An underpayment slips past because one analyst has forty hours of reconciling to do. Every hand-off between carrier, FMO, agency and agent is another place to lose time and dollars.
35.2M
A market that outgrew spreadsheets
Medicare Advantage enrollees in 2026, 55% of eligible beneficiaries. Each one sits on a contract, an appointment and a commission someone has to get right.
100%
Rules that bite when you miss them
Change plans in the first three months and the entire compensation is recovered. Miss one chargeback and the books stay wrong for months.
0
Shared record between the two sides
Carriers keep one version of the truth. Distributors keep another. Every dispute starts with arguing about whose spreadsheet is right.
The platform
One platform across the whole distribution lifecycle.
Every module runs on the same ledger. A contract, the policy written under it and every dollar paid on that policy stay connected, from the day an agent is onboarded to the day the last chargeback clears.
Licensing checks live
Onboarding and contracting
Recruit, licence-check and appoint agents without the email chase. NIPR licensing and OpenSanctions screening are built in.
Available now
Commissions
Ingest any carrier statement, reconcile every line against what you expected, and dispute underpayments with the evidence attached.
Downline payouts live
Compensation
Overrides, splits and incentives for every level of the hierarchy. Approve once, then pay the downline on schedule.
Coming next
Carrier operations
Premium invoicing and carrier-side settlement, on the same record your distributors see.
Coming next
Claims
Claims status tied back to the policy, the plan and the agent who wrote it.
Available now
Insights
Ask your book questions in plain English. Dollars at risk, chargeback exposure, carrier by carrier.
How it works
AI does the drafting. A rules engine does the paying.
You get the speed of AI without betting an audit on it.
01
AI authoring
Drop in a carrier statement, a contract or a comp schedule. Novia maps it, drafts the rules and flags what doesn't match. The work moves from manual to supervised.
02
Deterministic, audited execution
Every calculation runs on a rules engine with full history. Pick any payment and reproduce it line by line, in front of an auditor or a regulator.
03
One ledger, both sides
Carrier and distributor see the same record from their own side. Each exception says who holds it and how long it has waited. Disputes settle on facts.
Who it's for
Built for both sides of the table.
The carrier pays it. The distributor checks it. On Novia they're looking at the same number.
Carriers
Pay distribution right the first time
Run internal and external broker compensation on one engine. Re-rate mid-year when the rules move, and show your working when a regulator or an agency asks.
FMOs and IMOs
Run the whole hierarchy from one place
Onboard and appoint agents, reconcile every carrier, catch every underpayment and pay overrides down the hierarchy, without a reconciliation analyst losing a week a month.
Agencies and GAs
Get paid what you're owed
See every statement in one view, know which carrier owes you what, and give your producers statements they trust.
Security and integrations
Everything connected. Nothing exposed.
Encrypted everywhere
All data is encrypted at rest and in transit.
SOC 2 programme under way
Controls built to the SOC 2 standard from day one.
Compliance checks built in
NIPR licensing and OpenSanctions screening, wired into onboarding.
Fits the stack you have
SFTP intake, file upload and an API for everything else.
See your own book on Novia.
Thirty minutes, your own carrier files, no slides. We'll show you what Novia catches that your spreadsheet didn't.
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© 2026 Novia Inc. · The operating system for insurance distribution
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