Most policy administration systems are designed for the living. They operate under the assumption that the people in the system remain alive, contactable, and actively engaged with their coverage. But when a policyholder passes away and that information doesn’t flow into the insurer’s systems quickly (or at all), a chain of operational, financial, and risk exposure consequences can unfold.

This isn’t an obscure edge case. It’s a real, measurable source of hidden risk that impacts underwriting precision, claims integrity, portfolio exposure, fraud susceptibility, and customer experience. What’s more, many carriers still rely on reactive, outdated, or incomplete data sources to detect these events — if they detect them at all.

This article will explore:

• The role of advanced data intelligence
• Why the death of a policyholder matters in P&C insurance
• The specific exposures carriers face when this event goes undetected
• How early mortality awareness changes outcomes

Why the Death of a Policyholder Matters in P&C Insurance

At first glance, it might seem counterintuitive — why would a policyholder’s death matter in personal lines P&C coverage? After all, P&C products insure things like homes, autos, and property liability, not human life.

But the reality is this: P&C systems and workflows are deeply dependent on accurate, current information about the people they cover. Policy terms, underwriting assumptions, occupancy classifications, exposure calculations, renewal decisions, and even risk tolerances can hinge on who owns the property and its contents, how the property is being used, and whether contractual obligations are still aligned with the risk profile.

When a policyholder dies, several things can change rapidly:

• Insurable interest in both the property and its contents may shift (e.g., to heirs, trusts, or estates)
• Occupancy may change (e.g., an inherited home becomes rented, vacant, or unoccupied)
• Contact information may become invalid or outdated
• Claims activity may include losses unrelated to current risk profiles

If those transitions are not reflected in the insurer’s systems, carriers may unknowingly underwrite, price, or pay claims based on outdated or incorrect assumptions.

For example, a home insured as a primary residence under one set of risk assumptions may become a long-term rental with an unknown tenant and occupancy profile after the insured’s death — yet the policy remains priced, structured, and administered as if nothing changed. That’s a recipe for unexpected losses.

The Hidden Risks of Life Events That Go Unnoticed

Let’s unpack some of the most common and costly scenarios carriers face when a death goes undetected within P&C systems.

1. Claims Paid on Invalid or Outdated Policies

One of the most direct financial exposures occurs when policies continue under outdated underwriting assumptions. If the insured’s death isn’t known, the policy may remain active, coverage continues, and claims are processed normally — even though the risk profile has fundamentally shifted.

This can lead to:

• Claims paid on coverage that should have been suspended
• Policies remaining in force without valid insureds
• Inaccurate reserve estimates
• Distorted loss ratios

For carriers operating in catastrophe-prone states — such as Texas, Florida, or California — those exposures are amplified. A hurricane, wildfire, or severe weather event impacting a large number of properties can trigger a surge of claims, some tied to policies that should no longer have been in force.

Without timely awareness of death, underwriting and claims teams are left reacting — often too late — instead of managing risk proactively.

2. Misclassified Property Use After Death

Behavioral and usage changes after a policyholder’s death are another source of hidden exposure.

Consider this common pattern:

1. A homeowner passes away
2. The property is inherited
3. Heirs rent it out or leave it vacant

These changes in use and occupancy profoundly affect underwriting risk. A home occupied by its owner generally presents lower risk than one that’s rented or vacant. Vacancy, in particular, is especially correlated to higher claims frequency due to things like theft, vandalism, unnoticed water damage, etc.

If a carrier doesn’t know these changes have occurred, they can:

• Underwrite and price the risk inaccurately
• Assign incorrect risk classifications
• Miss opportunities to adjust coverage or offer tailored product options

In these cases, the lack of timely life event awareness creates exposure that compounds over time.

3. Fraudulent or Misrepresented Claims on Inherited Personal Property

When heirs or third parties interact with a policy after the insured’s death, there’s a risk of fraudulent or misrepresented claims, particularly for personal property.

Without accurate data about death and ownership transitions:

• Claims may be filed on items that are not verifiable
• Inventories and loss values may be inflated
• The carrier may pay on claims that would not have otherwise been submitted

These types of claims erode profitability and create friction within claims operations. More importantly, they drain resources and can undermine confidence in internal fraud detection processes.

Accurate, timely death awareness gives claims teams a contextual trigger to review and validate claims before payment, helping prevent improper payouts.

4. Unnecessary Blanket Cancellations or Non-Renewals

In regions with known risk concentrations — particularly areas with large senior populations and higher mortality rates — carriers sometimes resort to broad cancellations or non-renewals as a risk reduction tactic.

Unfortunately, blanket actions like these can:

• Increase regulatory scrutiny
• Erode consumer trust
• Disrupt legitimate coverage
• Impact market conduct evaluations
• Create volatility in reported reserves

The root cause isn’t always lack of underwriting discipline — sometimes it’s simply lack of situational awareness.

With accurate, early death data, carriers can manage these decisions with precision, targeting only the accounts that warrant review, rather than sweeping entire populations.

Why Traditional Data Sources Fall Short

Why do so many carriers struggle with these issues in the first place? The short answer: most P&C systems rely on reactive, incomplete, or infrequently updated sources of life event data.

Common mechanisms for death awareness include:

• Internal customer service updates
• Returned mail or undeliverable contact information
• Policyholder outreach
• Periodic public record checks

These methods suffer from one or more limitations:

• They are reactive, not proactive
• They may lag the actual event by weeks or months
• They miss events that never generate a service interaction

In other words, carriers often only discover the life event after the downstream consequences have already unfolded — when a claim is submitted, a premium billing fails, or a customer service interaction reveals outdated information.

Another underlying challenge is data quality. Even when insurers attempt to match policyholder records against external data sources, incomplete or inconsistent information can prevent accurate identification.

Participant and policyholder records frequently contain gaps or inconsistencies such as:

• Missing Social Security numbers or dates of birth
• Name variations, including nicknames, maiden names, or spelling errors
• Outdated addresses
• Data entry mistakes

When key identifiers are missing or incorrect, even well-designed death audit processes can miss critical matches.

Addressing this challenge requires more than traditional data matching — it requires more complete data and earlier, more reliable event detection. That’s where The Berwyn Group steps in: helping P&C insurers close this visibility gap with more accurate and timely mortality intelligence.

Turning the Problem into a Strategic Advantage

The solution isn’t simply more frequent manual checks or broader data pulls. It’s about combining a richer universe of data with intelligence that can detect events earlier and more reliably. That’s where advanced death intelligence and population data management comes into play.

At The Berwyn Group, the CertiDeath^® solution is designed to provide:

• Earlier mortality detection — often within five to seven days of the event
• Access to a proprietary database of confirmed deaths sourced from tens of thousands of structured and unstructured sources
• Actionable alerts that integrate directly with underwriting, claims, compliance, and policy administration systems
• Precision that supports operational decisions, risk management, and exposure control

While CertiDeath^® delivers critical mortality intelligence, many organizations also look to complementary data quality practices, such as Data Cleanse and Location Services, to help maintain accurate and up-to-date policyholder records. This transforms what was once a blind spot into an area of risk intelligence.

The Scale of Missing Data in Practice

Recent analysis from CertiDeath^® client data highlights the scale of missing or incomplete key policyholder data. In 2025, 73.6% of CertiDeath^® accounts loading files were missing at least one key data element — Social Security number, name, date of birth, or location — across more than 1,553 organizations. Closer examination reveals several common patterns:

• 21% of accounts were missing Social Security numbers, affecting an average of 9.1% of records per account, representing roughly 5.3 million records
• 38% of accounts were missing dates of birth, impacting an average of 6.4% of records, or approximately 1.6 million records
• 66% of accounts were missing ZIP codes, affecting an average of 11.3% of records, totaling more than 17.6 million records

When these foundational data elements are incomplete, the ability to detect life events — including deaths — becomes significantly more difficult. The result: delayed awareness, missed matches, and greater exposure to the downstream risks described earlier. That’s a risky position for any insurer.

How Early Detection Impacts Key Functions

Recent analysis from CertiDeath^® client data highlights the scale of missing or incomplete key poLet’s look at how earlier mortality intelligence tangibly improves key insurance functions:

Underwriting

• Improves risk classification and pricing accuracy
• Reduces exposure from policies that are no longer aligned with actual risk
• Supports portfolio risk segmentation with cleaner data

Claims

• Flags situations where claims may be inappropriate or require review
• Reduces improper payouts on invalid policies
• Supports fraud detection workflows with contextual triggers

Operations

• Enhances contact data accuracy
• Improves renewal and retention strategies
• Reduces operational inefficiencies caused by outdated records

Compliance

• Reduces audit risk tied to improper policy treatment
• Helps satisfy regulatory expectations for data quality and accuracy

Real-World Impact: What Leading Carriers Are Seeing

Carriers that have integrated early mortality intelligence into their workflows through advanced data sources report:

• Fewer claims paid on invalid policies
• More precise underwriting risk assumptions
• Fewer unnecessary cancellations and non-renewals
• Higher quality data for modeling and forecasting
• Improved operational velocity and lower administrative cost

These outcomes matter in a market that demands profitability, efficiency, and confidence in decision-making.

Conclusion: Closing the Blind Spot in P&C Insurance

In P&C insurance, even small gaps in information can cascade into larger operational, financial, and risk exposures. Missed life events — such as the death of a policyholder — impact underwriting accuracy, claims integrity, portfolio exposure, and overall operational efficiency.

Most policy administration systems weren’t designed to detect these events, and traditional data sources are often reactive, incomplete, or slow. Advanced mortality intelligence, like The Berwyn Group’s CertiDeath^®, provides timely, actionable insights that allow carriers to respond proactively, maintain portfolio integrity, and reduce hidden exposure.

Closing this blind spot isn’t just a technical upgrade — it’s a practical step toward more informed decision-making across underwriting, claims, compliance, and operational functions. In a market defined by precision and accountability, staying ahead of these events ensures that carriers can manage risk effectively and maintain confidence in every decision they make.

Learn more about The Berwyn Group and the solutions they provide to AAIS Members at berwyngroup.com.

The post Closing P&C Insurance Blind Spots with Mortality Data first appeared on AAIS.

Lisle, IL, March 16, 2026 — The American Association of Insurance Services (AAIS) is pleased to announce that ePayPolicy has joined the AAIS Partner Program, further expanding the suite of innovative solutions available to AAIS Member carriers.

For many insurance organizations, payments remain one of the most complex and time-consuming operational challenges. Through its integrated payments technology, ePayPolicy enables insurance organizations to offer flexible digital payment options while maintaining strong financial controls. The platform supports efficient premium collection, financing, and payables management, helping carriers operate with greater speed and accuracy.

“Digital payment solutions are not just a modern convenience – they are the industry standard,” said Mark Engels, Chief Executive Officer of ePayPolicy. “Policyholders expect the same credit card and ACH options they use elsewhere. ePayPolicy enables AAIS Members to accelerate both policy binding and receivables, while connecting seamlessly with most management systems to support a more comprehensive, end-to-end payment experience.”

ePayPolicy is committed to removing the friction from insurance payments. Working with AAIS extends ePayPolicy’s reach, providing more organizations access to the digital tools they need to optimize premium receivables. Through this collaboration, AAIS Members gain access to ePayPolicy’s capabilities that simplify payment operations and support more efficient premium processing.

“AAIS is committed to delivering forward-looking solutions that help our Members operate more efficiently and compete with confidence,” said Keith Wolfe, President and Chief Executive Officer of AAIS. “By welcoming ePayPolicy to our Partner Program, we are equipping our Members with a secure, integrated payments platform that streamlines premium collection, enhances the policyholder experience, and supports greater operational agility.”

AAIS Members and other insurance carriers that would like to learn more about ePayPolicy can register for their webinar on April 2, 2026. Member companies can also get to know ePayPolicy at the 2026 AAIS Main Event, AAIS’s annual gathering known for thought-provoking sessions, expert-led panels, and meaningful networking opportunities. Attendees are made up of AAIS Member carriers, AAIS Partners, insurance regulators, and key product and service organizations.

To learn more about how the AAIS Partner Program helps Members enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About ePayPolicy
ePayPolicy delivers a secure, connected payments platform built specifically for the insurance industry. Over 10,000 insurance companies rely on ePayPolicy to streamline premium receivables and payables through online ACH and credit card payments, automated premium financing, and robust integrations with leading insurance management systems. Designed to remove friction from insurance payments, ePayPolicy delivers efficiency for accounting teams and a seamless experience for policyholders alike. To learn more, visit ePayPolicy.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

ePayPolicy
Alex Werner
Network and Association Development
alex@epay3.com

AAIS
Wen Tilghman
Director of Marketing and Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Welcomes ePayPolicy to Partner Program to Advance Digital Payment Innovation first appeared on AAIS.

Lisle, IL, March 9, 2026 — The American Association of Insurance Services (AAIS) is excited to announce that The Berwyn Group has joined the AAIS Partner Program. Member carriers have access to The Berwyn Group’s advanced death audit and location intelligence solutions, helping verify insureds, prevent improper payments, and maintain accurate claims and policy processes.

With more than 35 years of experience, The Berwyn Group is a leading provider of death audit and location services. Their solutions, including the CertiDeath® tool, deliver timely, accurate insights that allow insurers to manage policies effectively, safeguard benefits, and protect both their business and policyholders.

“We are committed to providing P&C insurers with the data intelligence they need to reduce downstream risk and operate with confidence,” said Lane Kent, General Manager of Insurance at The Berwyn Group. “By accurately identifying deaths, carriers can adjust policies appropriately, prevent improper payments, support spouses’ and families’ handling of inherited insured property, and detect and prevent fraud—strengthening overall operational integrity.”

“We are pleased to welcome The Berwyn Group to the AAIS Partner Program,” said Keith Wolfe, President and Chief Executive Officer of AAIS. “Their deep expertise in data intelligence and death verification enhances the value we deliver to our Members and reflects our commitment to connecting them with innovative solutions that support smarter decision-making and operational excellence.”

The AAIS Partner Program provides Member carriers with access to vetted solution providers that address evolving industry challenges. The addition of The Berwyn Group brings specialized resources that support smarter underwriting, claims management, and regulatory compliance.

To learn more about how AAIS Partners help Members enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About The Berwyn Group
The Berwyn Group provides insurers with the data intelligence and insights needed to operate with confidence, streamline operations, and deliver reliable outcomes for policyholders. With more than 35 years of experience, The Berwyn Group is the largest provider in the specialized field of death audits and location services, trusted by over 2,000 organizations. For property and casualty insurers, Berwyn solutions deliver timely verification of deceased insureds—often within 5–7 days—and enriched location insights, streamlining policy and claims processes while reducing risk. By accurately identifying deaths, carriers can adjust policies appropriately and prevent improper payments. These capabilities also proactively detect and prevent fraud, protecting carriers from misrepresentation and strengthening the integrity of claims workflows. Through industry-leading tools like CertiDeath®, The Berwyn Group empowers carriers to operate efficiently, enhance risk management, and maintain accurate, dependable data. Beyond P&C, Berwyn supports life insurers, pensions, financial services, healthcare organizations, and third-party administrators, delivering actionable insights that improve operational outcomes across the industry. To learn more, visit berwyngroup.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

The Berwyn Group
Brent Doering
Marketing Manager
bdoering@berwyngroup.com 

AAIS
Wen Tilghman
Director of Marketing and Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Announces The Berwyn Group as Newest Partner, Expanding Data Intelligence Solutions for Member Carriers first appeared on AAIS.

Lisle, IL, February 17, 2026 — The American Association of Insurance Services (AAIS) today announced that Damco Solutions has joined the AAIS Partner Program, further strengthening its ecosystem of trusted solution providers serving the property & casualty insurance industry.

Founded in 1996, Damco Solutions is a global technology partner to insurers, MGAs, and program administrators, offering robust Insurance Management Systems and curated services designed to support efficiency, scalability, and long-term growth. With three decades of experience, Damco Solutions delivers tech-integrated solutions to organizations ranging from startups to Fortune 500 companies, supported by a global delivery network.

“We’re excited to partner with AAIS, a trusted authority in standardized insurance forms, ratings, and advisory services,” said Mohit Gupta, CEO of Damco Solutions. “By combining AAIS’s regulatory-ready forms and industry expertise with Damco’s insurance product offerings and implementation capabilities, we are helping insurers and MGAs simplify compliance, launch new programs faster, and operate with greater agility. This collaboration reflects our focus on turning industry complexity into practical, executable solutions.”

“Damco Solutions brings deep insurance domain expertise and a strong track record of delivering modern technology solutions that support operational excellence across the insurance value chain,” said Ross Fisher, Interim CEO of AAIS. “Their global reach and customer-first approach make them a natural fit for the AAIS Partner Program as we continue to build a collaborative ecosystem that helps our Members succeed in an evolving market.”

As an AAIS Partner, Damco Solutions will engage with the AAIS Community to support insurers navigating operational, regulatory, and technology-driven change. This collaboration reinforces AAIS’s commitment to connecting Member carriers and industry stakeholders with trusted solution providers that support innovation, compliance, and growth across the insurance value chain.

To learn more about how AAIS Partners can help Members enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About Damco Solutions
Founded in 1996, Damco Solutions is a trusted technology partner for insurers, MGAs, and program administrators. The company offers Insurance Management Systems and curated services that support efficiency, scalability, and long-term growth. With three decades of technology experience, Damco empowers businesses ranging from startups to Fortune 500 clients with its tech-integrated solutions and strong execution abilities. Headquartered in Plainsboro, NJ, Damco is supported by multiple state-of-the-art delivery centers located in the United States, United Kingdom, United Arab Emirates, Luxembourg, and India. To learn more, visit damcogroup.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Damco Solutions
Divya Makhija
Marketing and Communications Manager
divyam@damcogroup.com

AAIS
Wen Tilghman
Director of Marketing and Communications
went@AAISonline.com

Source: EIN Presswire

The post AAIS Announces Damco Solutions as New Partner, Strengthening Technology Capabilities for the Insurance Industry first appeared on AAIS.

Lisle, IL, December 15, 2025 — The American Association of Insurance Services (AAIS) is pleased to announce that Joshu has joined the AAIS Partner Program, expanding the tools and expertise available to help insurers bring innovative, compliance-ready products to market with greater speed and efficiency.

Joshu provides modern underwriting and distribution technology designed for rapid product creation and digital launch. By joining the AAIS Partner Program, Joshu brings AAIS Members a cloud-based platform purpose-built for insurance product development, enabling faster launches, multi-channel distribution, and streamlined policy administration.

“We are thrilled to collaborate with AAIS on our journey to help insurers bring new products to market quickly and efficiently,” said Roy Mill, Co-founder & CEO of Joshu. “AAIS provides the industry’s most trusted, compliance-ready forms and content, and Joshu delivers the modern underwriting and distribution software required to bring those products to market faster than ever. By integrating the depth of AAIS’s advisory solutions with the agility of Joshu’s rapid product launch platform, we are empowering insurers to deliver innovative, market-ready products instantly.”

Ross Fisher, Interim CEO of AAIS, is excited to welcome Joshu to AAIS’s growing AAIS Partner Program community.

“Joshu represents the type of forward-thinking organization we seek to include in the AAIS Partner Program,” said Fisher. “Their modern, flexible platform aligns with our mission to help insurers respond to evolving market demands more efficiently. Together, our community of Members and Partners continues to strengthen the industry with tools that drive speed, compliance, and sustainable growth.”

AAIS Partners play an important role in supporting AAIS’s mission by providing specialized capabilities that help Member carriers innovate, compete, and thrive in an increasingly complex insurance landscape.

To learn more about how AAIS Partners can help Members enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About Joshu
Joshu empowers insurers to launch new products and digital distribution channels quickly and with greater independence from complex IT resources. Its modern underwriting and go-to-market platform enables insurance professionals to configure products, automate workflows, and deploy user-friendly online portals in a fraction of the traditional time. Founded by technology leaders and insurance veterans, Joshu was built to help carriers and MGAs accelerate innovation, reduce friction, and compete more effectively in today’s digital-first market. Joshu is backed by leading investors including Blumberg Capital, Engineering Capital, Correlation Ventures, Innovation Endeavors, Sure Ventures, and DragonX Capital. Learn more at joshuins.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Joshu
Somer R. Wilson
Director of Marketing & Business Development
somer@joshuins.com

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post Joshu Joins the AAIS Partner Program to Strengthen Speed, Compliance, and Market Agility for Insurers first appeared on AAIS.

Lisle, IL, December 1, 2025 — The American Association of Insurance Services (AAIS) is excited to share that Selectsys has joined the AAIS Partner Program, expanding the network of trusted technology and service providers that help AAIS Members accelerate innovation, streamline operations, and bring new programs to market faster.

As an AAIS Partner, Selectsys is collaborating with AAIS to build and maintain the Inland Marine Rating APIs, a critical component supporting faster, more connected MGA and Program Administrator operations. Through this collaboration, AAIS Members will have access to Selectsys’s complete MGA Starter Package, which includes rating integration, portal setup, system configuration, and dedicated insurance operations resourcing.

Selectsys provides a unified technology and services ecosystem for MGAs, Program Administrators, and carriers. By blending advanced software, AI, and trained insurance operations teams, it enables clients to launch and manage programs with greater speed and efficiency through its Expert Insured end-to-end policy administration platform, its RQB Portal for rate, quote, and bind functions, and its comprehensive BPO (Business Process Outsourcing) services.

“We’re proud to collaborate with AAIS to build and support the Inland Marine Rating APIs, providing the foundation for a modern, fully connected MGA ecosystem,” said Spencer McDonald, Chief Executive Officer of Expert Insured (acquired by Selectsys in February 2025). “Through this collaboration, AAIS Members can launch complete MGA and Program Administrator operations in weeks, with integrated rating, front-end portals, policy administration, and trained operational teams all ready to go. Our goal is to make it simpler and faster for Members to bring new programs to market.”

AAIS Members also receive an exclusive offer of up to $100,000 in production credits through Selectsys, including $25,000 for each product (Expert Insured, RQB Portal, and BPO Services) and an additional $25,000 when all three are used together.

“Selectsys represents the kind of innovative, practical capabilities that deliver real value to our Members,” said Ross Fisher, Interim Chief Executive Officer of AAIS. “Their integrated technology and operational expertise help our Members streamline complex processes, accelerate program development, and enhance competitiveness in today’s rapidly evolving insurance environment.”

The AAIS Partner Program connects AAIS Member carriers and MGAs with trusted technology and service providers that advance speed, innovation, and regulatory alignment across the insurance ecosystem. Through Partners like Selectsys, Members gain access to specialized resources and tools that enhance efficiency in underwriting, pricing, and program management.

To learn more about how AAIS Partners can help enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About Selectsys
Selectsys is a global insurance technology and outsourcing partner, delivering a unified ecosystem for MGAs, Program Administrators, and carriers. The company combines advanced software, AI, and trained insurance operations to help clients launch and manage programs faster and more efficiently. Learn more at Selectsys.com or ExpertInsured.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Expert Insured
Spencer McDonald
Chief Executive Officer
spencer.mcdonald@expertinsured.com

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post Selectsys Joins AAIS Partner Program to Accelerate MGA and Program Administrator Innovation first appeared on AAIS.

Lisle, IL, November 24, 2025 — The American Association of Insurance Services (AAIS) is pleased to announce that Property Guardian, a leader in advanced wildfire analytics, has joined the AAIS Partner Program. This addition enhances the roster of expert solution providers available to AAIS Members, offering new ways to accelerate underwriting, pricing, and risk mitigation in wildfire-exposed regions.

“Property Guardian is proud to join the AAIS Partner Program,” said Pat Blandford, Founder and Chief Executive Officer of Property Guardian. “As wildfire risk reshapes property insurance, our job is to equip underwriters with transparent, defensible analytics that improve selection, pricing, mitigation, and monitoring — helping carriers protect customers and grow sustainably. We are excited to support AAIS Members through shared standards, advisory programs, and data initiatives to turn better information into better outcomes across the industry.”

By joining the AAIS Partner Program, Property Guardian extends its expertise to AAIS Members seeking data-driven insights that improve portfolio performance and enhance decision-making across the insurance lifecycle. Its proprietary analytics platform combines cutting-edge science, exclusive data partnerships, and multidisciplinary field expertise to deliver actionable intelligence at the property level.

“AAIS is thrilled to welcome Property Guardian to our Partner Program,” said Ross Fisher, Interim Chief Executive Officer of AAIS. “As wildfire exposure continues to evolve, having access to trusted analytics and scientific insight is vital for carriers and underwriters. Property Guardian brings practical expertise and innovation that help our Members adapt, stay competitive, and serve policyholders with confidence.”

The AAIS Partner Program connects AAIS Member carriers and MGAs with trusted technology and service providers that advance speed, innovation, and regulatory alignment across the insurance ecosystem. Through Partners like Property Guardian, Members gain access to specialized expertise and tools that help optimize underwriting, pricing, and risk management processes.

To learn more about how AAIS Partners can help enhance operational efficiency and market agility, visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About Property Guardian
Property Guardian (part of Green Shield Holdings) delivers advanced wildfire analytics that enable underwriters, carriers, MGAs, and real estate professionals to profitably select, price, mitigate, and monitor risk—driving portfolio performance, proactive loss control, and growth in wildfire-exposed markets. By combining cutting-edge science with exclusive data partnerships, Property Guardian transforms thousands of wildfire signals into clear, actionable insights at the property level. Its multidisciplinary team of seasoned underwriters, data scientists, meteorologists, arborists, certified wildfire-mitigation specialists, and veteran hotshot firefighters—alongside exclusive partnerships with leading modeling and data firms—provides carrier-grade decision support that improves loss ratios, accelerates decisions, and stands up to scrutiny. Learn more at propertyguardian.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Property Guardian
Joshua Clifton
Head of Marketing & Communications
Joshua.clifton@greenshieldrisk.com

AAIS
Wen Tilghman
Director of Marketing & Communications
went@AAISonline.com

Source: EIN Presswire

The post Property Guardian Joins the AAIS Partner Program, Expanding Access to Advanced Wildfire Analytics for Members first appeared on AAIS.

Adoption Filings Present a Key Challenge for Insurance Companies

Adoption filings often involve changes to rates, coverages, or both—making accurate management critical. “They also touch many stakeholders at an insurance company,” Perr explained. “These include the regulatory team that needs to know what filings to prepare, the marketing group that needs to communicate with policyholders, the claims department that needs to track coverage changes, and the IT department that must program new rates.” Because each department depends on timely and accurate information, sequencing becomes essential. Missteps in coordination can lead to delayed implementations, potential fines, and reputational risk for insurers.

How Perr&Knight Supports AAIS Members in Managing Adoption Filings

Perr&Knight helps insurers manage adoption filings efficiently through a blend of consulting expertise and proprietary technology. “Our software provides customizable workflows tailored to each company’s business needs and bureau affiliations,” Perr said. Their platform manages the sequencing of regulatory actions, submissions, and notifications—ensuring all stakeholders receive the information they need, when they need it. All activities are documented and archived for easy retrieval and accountability. Built-in automation further enhances speed and precision, and Perr&Knight continues to invest in ongoing improvements to their software.

The Advantages of an Automated Approach

Many insurance companies rely on small compliance teams—sometimes just one person—to manage their bureau adoption process. Perr noted that this can create a single-point dependency risk: if a key team member leaves or is out for an extended period, their institutional knowledge can disappear with them. Perr&Knight’s automated solution eliminates that risk by driving workflows, tasks, and communications through a proven, structured framework. “Our software ensures the process doesn’t rely on one person,” Perr said. “It’s built on years of best practices to deliver consistency and reliability every time.”

About Perr&Knight

Perr&Knight’s consultants and proprietary software work hand in hand with clients and their internal teams. Solutions are tailored to each organization’s specific needs—whether they choose to license the software, engage consultants, or use a combination of both. “In every case, our focus is on delivering services with speed, precision, and value,” Perr shared.

Learn more at perrknight.com.

To view the full interview with Tim Perr, click on the video above.

The post Efficient Adoption Filings and Bureau Monitoring for Insurers first appeared on AAIS.

Lisle, IL, September 22, 2025 — The American Association of Insurance Services (AAIS) is proud to announce that VRC Insurance Systems has joined the AAIS Partner Program. VRC provides software solutions that help Managing General Agents (MGAs) and carriers manage quoting, policy issuance, claims, and premium accounting from a centralized platform.

“We are proud to join forces with AAIS, tapping into their comprehensive library of filed rates and forms to streamline insurance product development for our MGA and carrier clients,” said Peter Cooper, Chief Executive Officer of VRC Insurance Systems. “Being part of the AAIS Partner Program strengthens our ability to deliver tailored, compliant insurance solutions, empowering our customers to bring innovative P&C products to market with greater speed and confidence.”

Through this collaboration, VRC gains access to AAIS’s product suite, enabling more efficient implementation of admitted lines of business within its Verity insurance platform. Verity is an all-in-one system that allows MGAs and carriers to quote, issue policies, manage claims, and handle premium accounting from a centralized interface. The integration provides AAIS Members with access to tools and technology designed to enable faster adoption of admitted products, more efficient configuration, and streamlined workflows, while reducing administrative burdens and costs. Members will also gain access to compliant, up-to-date content that supports growth and competitiveness in the marketplace.

“The AAIS Partner Program is designed to connect our Members with trusted technology and service providers who can enhance their competitiveness,” said Werner Kruck, President and Chief Executive Officer of AAIS. “Welcoming VRC Insurance Systems, with its proven expertise and industry-leading Verity platform, demonstrates our Program’s value in driving efficiency and innovation across the P&C marketplace.”

The AAIS Partner Program connects AAIS Member carriers and MGAs with select technology and service providers that support speed, innovation, and regulatory alignment. To learn more about how AAIS Partners like VRC Insurance Systems can help optimize business operations, please visit AAISonline.com or contact the AAIS Member Engagement team at membership@AAISonline.com.

About VRC Insurance Systems
VRC Insurance Systems is a specialized provider of insurance software designed by industry professionals to empower wholesale brokers, managing general agents (MGAs), and carriers with enhanced operational efficiencies, faster speed to market, and streamlined deliverables. The company’s customizable, scalable solutions include key services such as configurable rating tools for rapid quoting, policy issuance with adaptable forms and logic, comprehensive premium accounting for billing and commissions, full-cycle claims administration, 24/7 custom portals for quoting and payments, and integrations with third-party systems. With a focus on user-friendly interfaces, no-code configurations, and minimal-disruption implementations, VRC stands out for its deep insurance expertise, high client satisfaction, and ability to simplify complex workflows while enabling quick adaptation to market changes. Learn more at vrcis.com.

About AAIS
Established in 1936, AAIS serves the property & casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

VRC Insurance Systems
Jeromy Johnson
VP of Sales and Implementation
jjohnson@vrcis.com

AAIS
Wen Tilghman
Director of Marketing & Communications
went@aaisonline.com

Source: EIN Presswire

The post VRC Insurance Systems Joins AAIS Partner Program to Enhance P&C Product Delivery first appeared on AAIS.

Lisle, IL, September 8, 2025 — The American Association of Insurance Services (AAIS) and Pinpoint Predictive are excited to announce a strategic partnership designed to give AAIS Members access to Department-of-Insurance-approved rating factors. These next-generation signals improve risk selection, enhance pricing accuracy, and accelerate speed-to-market.

Through AAIS’s proven filing framework and Pinpoint’s carrier-specific predictive signals, Members can quickly and compliantly deploy advanced rating factors that integrate seamlessly into AAIS program rules. Approvals are already in place for Wisconsin, Mississippi, Louisiana, and Illinois, with additional filings underway.

“Pinpoint’s mission has always been to empower insurers with the earliest, most accurate insights into risk—delivered in a way that is responsible, fair, and easy to deploy,” said Scott Ham, Chief Executive Officer of Pinpoint Predictive. “By joining forces with AAIS, we’re making it possible for carriers to integrate these predictive signals directly into existing program frameworks, helping them improve loss ratios and pricing accuracy.”

This collaboration offers AAIS Members a range of advantages, including the ability to strengthen risk selection and pricing precision to stabilize loss ratios, and accelerate speed-to-market through AAIS’s filing infrastructure and standardized program language. Implementation is designed to be straightforward, with minimal effort required through either batch or API integration. The solution is supported by clear governance and transparency, ensuring fairness and protection against proxy discrimination.

“AAIS Members trust us to bring innovative, compliant solutions to market quickly,” said Werner Kruck, President & Chief Executive Officer of AAIS. “Partnering with Pinpoint Predictive allows us to offer advanced, carrier-specific risk factors that enhance underwriting performance while integrating seamlessly into our existing programs. This collaboration reflects our commitment to keeping Members at the forefront of industry innovation.”

To learn more about how the AAIS-Pinpoint Predictive strategic partnership can enhance underwriting and optimize operational performance, contact membership@AAISonline.com.

About Pinpoint Predictive

Pinpoint Predictive helps P&C insurers accelerate profitable growth with AI-driven loss predictions and risk signals delivered through five suites—Marketing, Underwriting, Ratemaking, Claims, and Discovery. Their products plug into existing workflows (API or batch) to prioritize high-value acquisition, sharpen pricing and filed rating, improve bind quality, and triage claims early so costs don’t compound—configured to each carrier’s experience and outcomes. Models move quickly from hypothesis to production, enabling rapid validation and deployment of new signals across the lifecycle; the approach is regulatory-ready and privacy-forward. Recognitions include Insurtech 100, Insurtech Vanguard, AI Breakthrough Awards 2023, Global Tech Awards 2023 (AI category winner), AnalyticsTech, and World Finance Magazine’s Insurance Awards 2023 (Insurtech category winner). Learn more at pinpoint.ai.

About AAIS
Established in 1936, AAIS serves the property and casualty insurance industry as the only national not-for-profit advisory organization governed by its Member insurance carriers. AAIS delivers high-quality advisory solutions, including best-in-class policy forms, rating guidelines, and data management capabilities for commercial lines, inland marine, farm & agriculture, auto, and personal lines insurers. Their consultative and unbiased approach, unrivaled customer service, and innovative technical capabilities underscore a focused commitment to the success of their Members. Together with Member carriers, insurance regulators, Partners, MGAs, and other key stakeholders, the AAIS Community is working to build a more cost-effective and sustainable industry. For more information about joining the AAIS Community, visit AAISonline.com.

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Media Contacts

Pinpoint Predictive
Devyn McNicoll
Head of Actuarial
devyn.mcnicoll@pinpoint.ai

AAIS
Wen Tilghman
Director of Marketing & Communications
went@aaisonline.com

Source: EIN Presswire

The post AAIS and Pinpoint Predictive Launch Strategic Partnership to Deliver Next-Generation, DOI-Approved Rating Factors to P&C Insurers first appeared on AAIS.