Your Agency Writes Policies. Your Systems Multiply the Cost.
Reflex finds and recovers the per-policy operational drag that independent agencies absorb from multi-carrier data re-entry, manual certificate workflows, and reconciliation workarounds.
The Problem
Multi-Carrier Independence Comes with Multi-System Friction
Your producers and CSRs are busy, capable, and absorbing operational friction that doesn't show up on your P&L. Every new quote means re-entering the same client data across multiple carrier portals. Certificates get generated from one system and tracked in another. Renewal workflows live in spreadsheets because your AMS doesn't handle them the way your team actually works.
The independence that makes your agency valuable (access to multiple carriers, personalized service, local expertise) also multiplies the operational cost of every transaction. Each carrier portal is another system to log into, another set of data to re-key, another place where errors compound and time disappears.
In a typical 15-person agency writing $5M+ in premium, we find producers and CSRs spending 25+ hours per month on data re-entry between systems that should sync automatically. Our AI platform analyzes all of it, across every desk and every carrier relationship, and quantifies it in dollars per policy.
What We Find
Sample Priority List — Insurance
| Category | Finding | Annual Cost | Status |
|---|---|---|---|
| Application Entry | Re-keying client data across 4+ carrier portals per quote | $28,400 | Automated in Pilot |
| Certificate Issuance | Manual COI generation and delivery from multiple systems | $16,800 | Automated in Pilot |
| Renewal Workflows | Renewal tracking in spreadsheets, manual outreach sequences | $19,200 | Identified — Month 2 |
| Claims Tracking | Status checks across carrier portals for open claims | $12,600 | Identified — Month 2 |
| Endorsement Processing | Mid-term changes re-entered across AMS and carrier systems | $14,400 | Identified — Month 3 |
| Commission Reconciliation | Manual matching of carrier statements to AMS records | $11,200 | Identified — Month 3 |
Sample Priority List based on typical findings for a 15-person independent agency writing $5M+ in annual premium. Actual findings vary by agency size, carrier count, and AMS platform. Diagnostic identified $45,200 in annualized recovery and deployed automations for the top two findings within 30 days.
Investment
Pricing in Context
Diagnostic
$12.5K
30-day deep analysis across your agency. Produces your first Priority List and deploys working automations.
Guarantee: If we don't identify at least $50K in annualized inefficiency, you don't pay.
Retainer
$5K/mo
Continuous monitoring, fresh discovery, new automations. Target: $20K/month in recovered margin.
4x
return on investment
Growth
$10K/mo
Expanded scope across more carrier relationships and service lines. Target: $40K/month in recovered margin.
4x
return on investment
Scale
$15K/mo
For larger agencies. Target: $60K/month in recovered margin.
4x
return on investment
We guarantee the diagnostic will find at least $50K in annualized inefficiency, or you don't pay. And you'll walk away with working automations already deployed — whether you continue to a retainer or not.