Compete with carriers.
Serve like an independent.
24 courses across sales, underwriting, claims, and agency operations — built for independent agents who need AI to close the gap against direct writers.
Built for how insurance is actually regulated.
Every workflow accounts for regulatory scrutiny as a design constraint, not a disclaimer.
State DOI Compliance
Every workflow accounts for state-level regulatory variation — disclosure requirements, unfair trade practices, and rate-making rules that differ by jurisdiction.
Fair Lending & Underwriting Transparency
INS-02 addresses disparate impact, proxy discrimination, and algorithmic transparency as design constraints, not warnings.
E&O and Professional Liability
Compliance review is built into the workflow at each step where AI output touches a client file or coverage decision — not bolted on as a final check.
Claims Handling Standards
INS-03 builds state-specific claims handling regulations — timely response, documentation standards, fair settlement — into every workflow.
Direct writers have AI budgets. You have a spreadsheet.
Direct writers deploy automated quoting, predictive renewals, and round-the-clock marketing at a scale no independent agency can match.
The gap is between agencies where AI handles isolated tasks and agencies where AI is wired into the operation.
You're competing on relationships against competitors with systems
Your producers spend two hours prepping a submission while direct writers return quotes in minutes. Clients who value speed walk before you get to show them the service.
Five people using AI five different ways
Nobody checked whether the output meets E&O standards or state disclosure requirements. One bad coverage summary is a liability event, not a productivity win.
The carrier tools lock you in
Carrier AI tools serve the carrier's book, not yours. The methodology you need is portable across every carrier you represent.
What AI actually does in a competitive insurance operation.
AI-Assisted Quoting
Pull comparable coverage structures, pre-populate applications, and present multi-carrier options in half the time.
Policy Comparison & Gap Analysis
Compare coverage forms across carriers in minutes — catch exclusions and sub-limits that manual review misses under time pressure.
Renewal Optimization
Flag at-risk accounts ninety days out and trigger proactive outreach before the client hears from a direct writer.
Claims Support & Documentation
Pull policy details, loss history, and coverage applicability into a structured report before the adjuster's first call.
Cross-Sell Identification
Analyze your existing book for coverage gaps and account-rounding opportunities you're currently leaving on the table.
Compliance Monitoring
Track regulatory changes, CE requirements, and carrier appointment updates across every operating state automatically.
Run the math on your book.
Your Agency ROI
Adjust the sliders to match your agency. Results update in real time.
The Renewal Math
85% to 92% retention on a 500-policy book = 35 retained policies = $9,450 in retained commission. The membership costs $1,200.
The Quoting Math
5 hours saved per week on quoting across a three-person team = $19,500 to $32,500 per year in recaptured selling time.
The Cross-Sell Math
Convert 3% of your existing book into an additional line of coverage and the revenue dwarfs the membership cost.
One path. Four disciplines. The way your agency actually works.
A single progression where each discipline feeds the next.
Sales & Prospecting
6 coursesLead generation, needs analysis, quoting, cross-selling, and renewals — the front of the pipeline.
Policy & Underwriting
6 coursesCoverage comparison, risk assessment, application processing, and endorsements — faster without compromising compliance.
Claims & Service
6 coursesClaims documentation, status updates, dispute resolution, and client education — where independents outperform direct writers.
Agency Ops
6 coursesCommission tracking, compliance monitoring, marketing, team management, and workflow automation for the whole agency.
24 courses. Here's exactly what's inside each one.
| Lead Generation & Market Research | AI-assisted prospecting that identifies high-value targets from public data, industry lists, and referral patterns |
| Needs Analysis & Risk Profiling | Pre-built risk profiles so your first meeting starts at "here's what I already know about your operation" |
| Quoting & Proposal Building | Pull comparable coverage structures and present multi-carrier options in half the time |
| Cross-Selling & Account Rounding | AI-powered gap identification across your existing book for account-rounding opportunities |
| Renewal Management | Flag at-risk accounts ninety days out, not thirty — before the direct writer's email beats you |
| Sales Operations & Pipeline | Pipeline tracking, conversion analysis, and producer performance workflows |
What you'll build
A complete AI-powered sales operation — prospecting, quoting, cross-sell, and renewal workflows ready to run on Monday.
| Coverage Comparison & Gap Analysis | Compare coverage forms across carriers in minutes, not hours — catch exclusions and sub-limits under time pressure |
| Risk Assessment & Classification | Synthesize loss runs, financial data, and industry benchmarks into submission narratives underwriters want to read |
| Application Processing & Submission | Pre-populate applications, validate data, and route submissions to the right markets |
| Endorsements & Policy Changes | Draft endorsement requests, check policy language, and flag conflicts before the change hits the carrier system |
| Carrier Communication | Structured carrier correspondence workflows for submissions, inquiries, and dispute resolution |
| Underwriting Operations | Workflow automation for your underwriting desk — assignment, tracking, and compliance documentation |
What you'll build
Coverage comparison, risk assessment, submission builder, and endorsement processor — faster without less careful.
| Claims Documentation & Reporting | Pull policy details, loss history, and coverage applicability into a structured report before the adjuster's first call |
| Status Communication & Updates | Meaningful status updates at the right cadence, not just when the client calls asking what's happening |
| Dispute Resolution Support | Structured documentation and correspondence workflows for coverage disputes and claim denials |
| Client Education & Coverage Explanation | Translate policy language into plain English your client actually understands — accurately, without altering coverage interpretation |
| Service Workflow Automation | Automated routing, task management, and follow-up systems for your service team |
| Retention & Relationship Management | Proactive retention workflows that turn your service team from reactive call-handlers into relationship managers |
What you'll build
Claims support, communication, dispute documentation, and retention workflows that turn your service team proactive.
| Commission Tracking & Revenue Analysis | Reconcile carrier statements against your book automatically, flagging discrepancies before they compound |
| Compliance & Regulatory Monitoring | Track regulatory changes, CE requirements, and carrier appointment updates across every operating state |
| Agency Marketing & Client Acquisition | Generate compliant content, manage your digital presence, and nurture prospects without pulling producers off the phone |
| Team Management & Training | Onboarding playbooks, performance tracking, and knowledge base systems for your growing team |
| Workflow Automation & Systems | End-to-end automation connecting your management system, carrier portals, and client communication |
| Agency Growth & Strategic Planning | Market analysis, acquisition modeling, and growth planning workflows for agency principals |
What you'll build
Commission reconciliation, compliance dashboard, marketing engine, and workflow automation so the back office runs itself.
Find your starting point.
The Independent Agent
Competing against direct writers on speed and systems. You win on service — now match them everywhere else.
The Agency Owner
Overhead climbs while per-policy revenue stays flat. Your back office needs to run itself.
The Underwriter
Mornings disappear into coverage forms. AI compresses that research from hours to minutes.
The Claims Professional
A bad AI-generated summary is a liability event. You need workflows that improve speed and accuracy simultaneously.
24 courses doesn't mean you take 24 courses.
The assessment tells you where you actually stand — so you start where it matters.
3 minutes. 6 dimensions. Honest answers only — the results are for you, not for us.
Example readiness score
What happens when AI meets an independent operation.
"Used the prospecting and quoting workflows from INS-01 across my commercial book. Went from 14 to 23 new business submissions per month — same underwriting quality, verified by our loss ratio holding flat. The prep work that used to take two hours per account now takes forty minutes."
"We rolled out the operations workflows from INS-04 across a 12-person agency. Commission reconciliation that took our bookkeeper two days per month now takes three hours. Compliance monitoring runs automatically. We found $18,000 in missed commission payments in the first quarter."
"Implemented the claims documentation workflow from INS-03 across our service team (6 CSRs). First-call resolution improved by 31%. Client satisfaction scores went from 3.8 to 4.4 within 90 days. The workflow gives the CSR everything they need before they pick up the phone."
Results are representative outcomes from early members. Individual results vary.
Between client calls. Before your next renewal meeting.
Every module is structured around production workflows, not concepts. You build the system as you go.
Structured workflows, not carrier webinars
Each course outputs something deployable — a workflow, a template, a tracking system — not a certificate and notes you'll never open.
Compliance built in, not bolted on
E&O risk factors, state regulatory variations, and carrier guidelines are woven into every curriculum. INS-04.2 is an entire course on AI-assisted compliance monitoring.
Updated when carriers and regulations move
Built on principles, not platform snapshots. When carriers or regulations change, walkthroughs and compliance references refresh within two weeks.
Real assessment, not participation trophies
Course-level projects graded against observable criteria using real data from your book. CE credit potential is being evaluated for select state DOIs.
The six things you're already thinking.
Every workflow is built with E&O, state DOI requirements, and carrier guidelines as design constraints. INS-04.2 is an entire course on AI-assisted compliance monitoring. Your bigger regulatory risk right now isn't using AI with safeguards — it's your team using AI without any.
Carrier tools serve the carrier's book, not yours — and when you move a client or a carrier drops a market, those tools go with them. This teaches portable methodology across every carrier and management system you use.
A two-person agency with the right AI workflows can quote as fast as a direct writer and monitor compliance across states without a dedicated compliance officer. Small agencies get disproportionate value because you're automating work that currently falls on you personally.
$1,200 per year is $100 per month — less than one hour of E&O attorney billing. One improved renewal workflow on a 500-policy book recovers $9,450 in annual commission. The math works at every agency size.
Free resources teach individual tactics. What you can't get for free is the integrated system where prospecting feeds quoting, quoting feeds submissions, and submissions feed the renewal system. Carrier training teaches their platform. This teaches you how to run your agency.
CE credit potential is being evaluated for select state Departments of Insurance. The curriculum was designed with CE requirements in mind. Check the course page for current approval status by state.
One membership. Every path. ~$25/course.
Insurance Path
- All 24 AI for Insurance courses
- Compliance-aware workflows and templates
- Every curriculum update included
- Reimbursement request template
- Other professional paths
- Cross-path access
All-Access Membership
- All 24 AI for Insurance courses
- Every other Aiversity path included
- Compliance-aware workflows and templates
- Every curriculum update included
- Reimbursement request template
- 30-day full refund guarantee
Team
- Everything in All-Access, per seat
- Admin dashboard & progress reporting
- Custom curriculum tracks
- Onboarding & enablement session
- Invoice & PO billing
- Dedicated support channel
~$25 per course. Less than a single CE credit program. · 3-day free trial · 30-day full refund · Most employers reimburse
MONEY-BACK
30 days. If it doesn't change how you work, full refund. One email.
Insurance connects to every industry you serve. So does the membership.
Your membership includes every Aiversity path — not just Insurance.
AI for Sales
Prospecting, CRM intelligence, and pipeline management workflows that keep your funnel full.
22 courses — Selling → Lead Generation → AI Agents → Intelligent CRMAI for Marketing
Content strategy, social distribution, SEO, and advertising systems that build your agency's brand and attract inbound leads.
39 courses — Marketing → Content → Social → Advertising → SEO → GrowthAI for Business
Hiring, financial planning, competitive positioning, and scaling beyond what one person can oversee.
27 courses — Foundations → Strategy → Management → Growth → InnovationAI for Finance
Deep analytical frameworks for financial data and risk models that sharpen your assessment work.
37 courses — Financial Analysis → Risk → Portfolio → ModelingImportant Regulatory Notice
AI for Insurance is educational and does not constitute insurance advice, coverage recommendations, or underwriting guidance. All AI-assisted decisions require review by licensed professionals before implementation.
Compliance with state DOI regulations, unfair trade practices statutes, and fair lending requirements is the sole responsibility of the licensee. Aiversity does not certify or guarantee regulatory compliance of workflows built using course materials.
CE credit is not provided unless explicitly stated for a specific state and course.
Stop competing with yesterday's operation. Start running tomorrow's.
$1,200 per year. 3-day free trial. 30-day full refund.
Questions? info@aiversity.io