Platform Layer

Claims tracking and insurance workflow infrastructure.

InsurTec IQ is the insurance infrastructure layer inside the AVATARé platform stack. It provides claims processing, anti-steering compliance, AOC handling, and AI-assisted settlement tools that AVATARé products draw from when they operate in insurance and benefits contexts.

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6

Core capability domains inside InsurTec IQ

2

Products drawing primarily from InsurTec IQ

AOC

Full assignment of claims processing built into the platform

P&C

Property and casualty compliance built in from day one

What InsurTec IQ is

The compliance and claims infrastructure the existing insurance process was not designed to provide.

Anti-steering violations, underpayment, and delayed settlements are systemic in property and casualty insurance. The root cause is usually not bad intent. It is a process designed around insurer convenience, not compliance or claimant outcomes. Most claims handling software reinforces that process rather than correcting it.

InsurTec IQ is an ingredient, not a standalone product.

Like all AVATARé platform layers, InsurTec IQ is not deployed on its own. Benefits Paid and Settled IQ each draw from it in combination with FinTec IQ and OpsTec IQ. The insurance-specific compliance and claims infrastructure it provides is what makes those products viable in P&C and benefits markets.

Currently powering

Benefits Paid draws from InsurTec IQ for claims workflow and compliance infrastructure. Settled IQ draws from it for anti-steering detection, AOC processing, and AI-assisted settlement intelligence. Both products would not be operable in regulated insurance markets without it.

Platform capabilities

Every layer of the claims and compliance stack. 6 domains.

InsurTec IQ covers the full pipeline from first notice of loss through final settlement disbursement, with compliance and AI woven through every step rather than applied as an afterthought.

6

Core capability domains

Domain 01

Anti-Steering Compliance

Automated identification and documentation of anti-steering violations during the claims process. Tracks insurer directives against applicable state regulations and flags non-compliant instructions before they affect the claimant.

  • Violation detection
  • State reg tracking
  • Directive logging
  • Compliance alerts
  • Audit documentation

Domain 02

Claims Processing Automation

End-to-end claims workflow automation covering intake, service coordination, payment processing, and close. Built around the actual phases of a property and casualty claim, not a generic workflow template.

  • Claim intake
  • Service coordination
  • Status tracking
  • Close automation

Domain 03

AOC Processing

Assignment of Claims processing infrastructure for the full payment lifecycle. Handles the transfer of claim rights, coordination with service providers, and final settlement disbursement without the claimant or provider touching the claim directly.

  • Rights transfer
  • Provider coordination
  • Settlement disbursement
  • Lien management
  • Legal documentation

Domain 04

AI-Assisted Settlement

AI tools that analyze claim value, flag discrepancies between insurer offers and documented damage, and support negotiation with evidence-based data. Designed to surface what a claimant is owed, not what the insurer has offered.

  • Claim valuation
  • Offer discrepancy
  • Evidence analysis
  • Negotiation support

Domain 05

Benefits and Insurance Disbursements

Payment infrastructure for insurance and benefits workflows. Works alongside FinTec IQ’s banking rails to ensure settlement funds reach brokers, claimants, attorneys, and patients on a fixed, predictable timeline.

  • Broker payments
  • Claimant disbursement
  • Attorney funding
  • Timeline enforcement
  • Variable to fixed

Domain 06

Claims Intelligence and Reporting

Dashboards, audit trails, and reporting infrastructure that give operators full visibility into claim status, compliance posture, settlement timelines, and payment outcomes across every active deployment.

  • Claims dashboards
  • Audit trails
  • Settlement reporting
  • Compliance posture
  • Payment outcomes

Programs

How InsurTec IQ capabilities reach specific markets.

InsurTec IQ surfaces in each program differently depending on which product is deploying it. In Benefits Paid it handles disbursement compliance and payment timelines. In Settled IQ it handles the full AOC pipeline and anti-steering enforcement.

Benefits Paid

Voluntary Benefits

InsurTec IQ handles benefits workflow compliance and ensures commission or premium splits move through a compliant payment pipeline on schedule.

Benefits Paid

Workers Compensation

Claims processing automation and payment disbursement infrastructure ensure settlement funds land on a predictable timeline instead of waiting in an insurer queue.

Benefits Paid

Class Action Lawsuit Payouts

Structured disbursement workflows and legal documentation handling keep multi-party payouts organized, compliant, and trackable from first notice through final payment.

Settled IQ

Auto Glass Advocates

InsurTec IQ drives the full AOC pipeline for AGA. Anti-steering detection, claim valuation, insurer pursuit, and settlement disbursement all run on InsurTec IQ infrastructure. Shops receive 100% of invoice value within 3 to 5 days.

More InsurTec IQ programs are in development as new claims verticals are identified and partnerships are structured.

Enabled by Powers

InsurTec IQ operates on the AVATARé Powers layer. Fiduciary and trustee authority are what make AOC processing and third-party fund management legally viable.

Sponsor Banking

Fiduciary Powers

Trustee Powers

Money Movement Powers

Lending Powers

Work with us

Want to understand how InsurTec IQ fits into a specific solution?

The best way to understand how the platform stack works in practice is to walk through a specific product or deployment with our team.

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Vertical SaaS infrastructure. Platform / Product / Program / Powers. Founded 2022, North Logan, Utah.

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