Settled IQ™

Smarter third-party administration begins here…

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AI-Driven, Carrier Agnostic Claims Software Built for Modern TPAs

Insurance TPAs and Benefits Administrators

Warranty and Service Contract Administrators

Specialty Program Administrators

Captive and Self-Insured Program Operators

The Problem: Tools and Incentives That Were Designed for a Different Era

The result: higher operating costs, strained relationships, and limited ability to differentiate.

Manual, labor-intensive workflows

Legacy claims systems that slow decision making

Unpredictable and slow payment processes and bottlenecks

Limited visibility across claims and operations

Carrier-aligned tools that restrict independence

Increasing compliance and audit pressure

Settled IQ: Intelligent Administration Without the Insurer Bias

Most claims software was built for carriers. Settled IQ is built for administrators. Built on AVATARé’s Embedded Finance and Business Optimization platforms, Settled IQ replaces fragmented systems and manual processes with a unified, intelligent operating layer. Your business gains automation, real-time visibility, and predictable outcomes, while remaining fully carrier-agnostic.

Neutral, carrier-agnostic architecture

Designed around TPA workflows and constraints

Focused on fairness, speed, and predictability

CLAIM YOUR INDEPENDENCE

Operate Transparently and Deliver Smarter Outcomes

Settled IQ is neutral by design, enabling TPAs to operate independently across programs and partners.

Automate routine claim decisions using configurable rules, reducing manual effort and cycle time

Streamline payment workflows with predictable timing and built-in financial controls

Deliver real-time insights into performance, exceptions, and opportunities for improvement

Administer Smarter

Say hello to Settled IQ — the operating system for fairer, faster, and more transparent claims administration!