Your back office is buried in document intake, data entry, and system-to-system busywork. ExactTempo automates the manual work that's keeping your operations headcount tied to your growth — so your firm can write more business without the linear cost.
The core product in insurance is itself a document. A massive share of your total headcount sits in back-office operations — underwriting support, claims intake, policy servicing, in-force administration — doing work that's critical but repetitive. Whether you write commercial casualty, personal lines homeowners, indexed annuities, or group health, the pattern is the same.
ACORD submissions with loss runs and SOVs. Life applications with medical questionnaires and lab results. Group enrollment forms with messy broker census files. All requiring manual extraction before underwriting or issue can begin.
P&C loss details rekeyed from adjuster emails. Death claims requiring beneficiary verification and documentation review. Medical bills parsed for procedure codes and matched against plan terms. Every line of business, every claim, touched by hand.
Endorsements and policy change requests. Beneficiary updates and ownership transfers. Policy loans, partial withdrawals, and surrender processing. Premium billing, grace period notices, and reinstatement reviews — each one handled manually, filed manually, routed manually.
Commission statements against production records. Premium payments against billing systems. 1099 and 5498 generation. State regulatory filings. Manual, time-sensitive, and entirely automatable.
Each of these is a workflow we've scoped for carrier operations. They integrate directly with your existing core systems — Guidewire, Duck Creek, Majesco, LifePRO, Facets, or your legacy admin platform — and run with human-in-the-loop checkpoints for compliance.
AI-guided processing reads incoming submissions — ACORD applications, loss runs, schedules of values, supplemental questionnaires — extracts key data, classifies risk against your appetite, and routes to the right underwriting queue. The extraction work that consumes the majority of your support team's day happens before an underwriter opens the file.
Agents read claims emails and loss reports, extract loss details, and key structured data into your claims system. For straightforward claims, the agent prepares the file for fast-track adjudication. For complex losses, it assembles a structured summary with coverage triggers, reserve recommendations, and flagged issues — ready for the adjuster.
Automated handling of routine endorsements, additional insured requests, and certificate issuance — validated against policy terms, processed in your admin system, and routed for review only when they fall outside defined rules. Your servicing team works the exceptions, not the volume.
AI-assisted assembly of renewal packages — pulling loss history, expiring terms, account notes, and exposure changes into a structured file, flagging accounts that need underwriter attention, and auto-processing straightforward renewals through your workflow.
AI-guided intake reads incoming applications, orders and tracks APS reports and lab results, pulls MIB and prescription database checks, and assembles the complete underwriting file — so your new business team spends time on risk evaluation, not document collection and status chasing.
Automated processing of routine service requests — beneficiary changes, ownership transfers, address updates, premium mode changes, dividend election updates, collateral assignments, and policy loan requests — validated against policy provisions and processed in your admin system without manual rekeying.
AI-assisted handling of full and partial surrenders, systematic withdrawals, and 1035 exchange paperwork — calculating surrender values, verifying tax basis carryover, confirming owner and annuitant details, and coordinating with the receiving or ceding carrier. Reduces a multi-touch, multi-day process to a structured workflow with human sign-off at key checkpoints.
Automated intake and verification of death claims — matching claimant information against policy records, verifying beneficiary designations, checking contestability periods, flagging coordination issues, and assembling the adjudication package for examiner review.
Automated handling of contribution processing, RMD calculations and distributions, systematic withdrawal schedules, and contract anniversary processing — removing the recurring manual workload from your annuity operations team.
Batch processing of enrollment changes, qualifying life events, terminations, and COBRA elections — automatically validated against plan rules and loaded into your admin system. For group business, that includes normalizing messy broker census files and reconciling member-level data before it hits your eligibility system.
Agents extract procedure codes and diagnosis information from medical bills, match them against plan benefits and medical policies, flag coordination-of-benefit issues and duplicate claims, and prepare adjudication packages — reducing the manual review burden on your claims examiners.
Automated generation of EOBs, coverage determination letters, ID cards, and member notices — triggered by claims activity, enrollment changes, or plan events and processed through your document management system without manual intervention.
Batch intake of policy documents, correspondence, tax forms, and regulatory filings — automatically classified, indexed, and filed to the right record in the right system. Eliminates the one-at-a-time manual grind that consumes your team during peak seasons and conversion projects.
Automated matching of agent commission statements against production records and premium payments against billing systems — with exception flagging and resolution routing. Removes a recurring manual drain from your finance team's monthly cycle.
Automated preparation of 1099-R, 1099-INT, 5498, and state-specific regulatory filings — pulling data from your admin and accounting systems, validating against IRS and state requirements, and generating files for review and submission.
We don't sell software. We build AI automation scoped to your specific workflows, core systems, and regulatory constraints. You own the IP and the systems. Our ongoing fee covers monitoring, optimization, and performance accountability.
We map your back-office team's workflows, quantify the labor cost, identify the highest-ROI automation targets, and build a detailed ROI model — before any commitment.
We design and build AI automation scoped to your firm's systems — Guidewire, Duck Creek, Majesco, LifePRO, Facets, or whatever runs your operation — with guardrails, escalation rules, and compliance checkpoints built in.
Your operations team learns to work alongside the automation — managing exception queues, reviewing outputs, adjusting rules, and handling the interactions that require human judgment.
We monitor, maintain, and continuously improve what we deployed — accountable to the volume and quality commitments defined during the Audit. As your book grows, the automation scales with it.
Generic AI solutions aren't built for insurance carriers. They don't account for the compliance constraints, exception handling, and platform-specific workflows that make your operations different from every other industry.
We build to your specific workflows, core systems, and regulatory environment — whether you're a mutual carrier on Guidewire, a life and annuity company on LifePRO, or a regional health plan on Facets. This isn't a product you configure. It's a capability we build for you. You own the IP and the systems.
Your operations team doesn't disappear — they move up. Automation handles the rote work. Your people handle the judgment calls, complex risk decisions, and agent relationships that actually require them.
Every data point extracted and every decision made is logged with timestamps and rationale — down to the specific rule applied and the source document referenced. Compliance isn't a separate workstream. It's an automatic byproduct of the workflow.
Our ongoing retainer is tied to defined volume and quality commitments — processing capacity, accuracy rates, and error rates we're accountable to, not aspirational targets.
"The goal isn't to replace your operations team. It's to stop making them manually rekey data from PDFs so they can focus on complex decisions and agent relationships."
A free Operations Audit gives you a concrete picture of where your back-office team is losing time — and a detailed ROI model showing what it would take to get it back. No commitment required.
Book a Free Audit