Updated Week 5 with November version
This commit is contained in:
Edward Donner
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# Contract Agreement
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**Client Name**: Premier Auto Insurance Co.
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**Product Name**: Carllm
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---
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## Terms
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1. **Agreement Duration**: This contract is effective from January 1, 2025, and shall remain in effect for a period of twelve (12) months, concluding on December 31, 2025.
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2. **Payment**: The Client agrees to pay Insurellm a subscription fee of $2,500 per month for the duration of the contract, payable within 30 days of the invoice date.
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3. **Scope of Services**: The services provided under this contract include access to the Carllm platform, integration support, AI-powered risk assessment tools, customizable coverage plans, and automated customer support.
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4. **Data Security**: Insurellm commits to implementing industry-standard security measures to protect Client data, in accordance with applicable privacy laws.
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---
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## Renewal
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1. **Automatic Renewal**: This contract will automatically renew for successive one-year terms unless either party provides written notice of termination at least thirty (30) days prior to the end of the current term.
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2. **Renewal Terms**: Upon renewal, the subscription fee may be subject to adjustments based on changes in the Consumer Price Index or any significant value additions to the service.
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3. **Review Period**: Prior to the renewal, both parties shall engage in a service review to ensure the satisfaction of both parties with the terms and performance of Carllm.
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---
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## Features
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1. **AI-Powered Risk Assessment**: Comprehensive tools that analyze driver behavior and vehicle conditions.
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2. **Instant Quoting**: Near-instant quotes provided for enhanced customer experience.
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3. **Customizable Coverage Plans**: Flexibility to create tailored insurance packages.
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4. **Fraud Detection**: Advanced analytics to help identify potentially fraudulent claims.
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5. **Customer Insights Dashboard**: Access to deep insights for informed decision-making.
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6. **Mobile Integration**: Mobile app compatibility for policy management on the go.
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7. **Automated Customer Support**: 24/7 customer service via AI chatbots.
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---
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## Support
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1. **Customer Support Availability**: Insurellm shall provide technical support to the Client via phone and email during standard business hours (9 AM - 5 PM ET, Monday to Friday).
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2. **Emergency Support**: Emergency support will be available 24/7 for critical issues impacting the Client’s operations, response time not to exceed 2 hours.
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3. **Training and Resources**: Insurellm will provide training materials and sessions to ensure successful deployment and use of Carllm.
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4. **Feedback and Updates**: The Client will have regular opportunities to provide feedback on service performance. Updates and new features will be communicated promptly.
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---
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This contract represents the complete understanding between the parties concerning the subject matter herein and supersedes all prior agreements and understandings, whether written or oral.
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**Authorized Signatures**:
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*Premier Auto Insurance Co.*
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_________________________
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Name: [Client Representative Name]
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Title: [Client Representative Title]
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Date: ________________
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*Insurellm*
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_________________________
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Name: [Insurellm Representative Name]
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Title: [Insurellm Representative Title]
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Date: ________________
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---
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# Contract with Advantage Medical Coverage for Healthllm
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**Contract Date:** April 18, 2025
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**Contract Number:** HL-2025-0124
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---
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## Terms
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1. **Parties Involved**: This contract is entered into between Insurellm, Inc. ("Provider") and Advantage Medical Coverage ("Client").
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2. **License Grant**: Insurellm grants Advantage Medical Coverage a non-exclusive, non-transferable license to use the Healthllm Professional Tier platform.
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3. **Payment Terms**: Advantage Medical Coverage agrees to make monthly payments of $15,000 for the duration of this 18-month contract, totaling $270,000. Payments due on the 10th of each month via wire transfer.
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4. **Member Coverage**: Professional Tier supports up to 50,000 covered members. Advantage currently covers 32,000 members in 2 states.
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5. **Confidentiality**: Both parties shall maintain confidentiality regarding proprietary information, member PHI, and business strategies throughout the contract duration and for 7 years post-termination, in compliance with HIPAA retention requirements.
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## Renewal
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1. **Automatic Renewal**: This contract automatically renews for successive 18-month terms unless either party provides written notice of non-renewal at least 60 days prior to expiration.
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2. **Pricing Review**: Renewal pricing will be discussed 75 days prior to term end and mutually agreed upon in writing. Price increases limited to 7% annually.
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## Features
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1. **Included Features**: Advantage Medical Coverage will have access to Healthllm Professional Tier features:
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- Intelligent Plan Design with competitive benchmarking
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- Real-Time Eligibility Verification with provider integration
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- AI-Driven Claims Adjudication with auto-processing
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- Predictive Healthcare Analytics for population health
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- Provider Network Management with 8,000+ providers
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- Member Engagement Platform with mobile app
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- Advanced Medication Management with PBM integration
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- Regulatory Compliance Engine (ACA, state mandates, HIPAA)
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- Enhanced Analytics and predictive modeling
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- Care management tools and workflows
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2. **Value-Based Care Support:**
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- ACO performance tracking and shared savings calculation
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- HEDIS measure calculation for quality reporting
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- Provider pay-for-performance scorecards
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- Risk adjustment and HCC coding support
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- Medicare STAR ratings optimization
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3. **Telehealth Integration**: Built-in telehealth platform supporting:
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- Video visits with in-network providers
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- E-consults and asynchronous care
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- Behavioral health virtual visits
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- Member scheduling and appointment management
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## Support
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1. **Customer Support**: Insurellm will provide priority support to Advantage Medical Coverage:
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- Dedicated support team Monday-Friday 6 AM - 9 PM EST
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- Emergency support 24/7 for critical system issues
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- Response time: 6 hours for critical, 12 hours for high priority, 24 hours for standard
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- Private support portal with ticket tracking
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2. **Training**: Comprehensive training program:
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- 5-week implementation with project manager
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- Training for up to 30 staff members (45 hours total)
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- Role-specific training tracks
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- Quarterly webinars on new features
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- Online training library with 75+ courses
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3. **System Updates**: Monthly platform enhancements and bi-weekly security patches. Maintenance windows on Saturday 11 PM - Sunday 2 AM EST with 72-hour advance notice.
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4. **Account Management**: Named senior customer success manager with quarterly business reviews and annual strategic planning session.
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5. **Integration Support**: Technical assistance for integrating with:
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- Advantage's HealthRules policy admin system
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- Optum PBM
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- Availity clearinghouse
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- Provider credentialing platforms
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- Member portal and mobile apps
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---
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**Signatures:**
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**Insurellm, Inc.**
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Sarah Chen, VP of Sales
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Date: April 18, 2025
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**Advantage Medical Coverage**
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Dr. Michael Ramirez, Chief Medical Officer
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Date: April 18, 2025
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---
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This contract enables Advantage Medical Coverage to leverage advanced AI and predictive analytics for improved member health outcomes and operational efficiency.
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@@ -50,4 +50,4 @@ Date: ___________________
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**Apex Reinsurance**
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_____________________________
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Authorized Signature
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Date: ___________________
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Date: ___________________
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# Contract with Atlantic Risk Solutions for Bizllm
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---
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## Terms
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1. **Agreement Effective Date**: This contract is effective as of January 15, 2025.
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2. **Duration**: This agreement will remain in effect for a term of 12 months, concluding on January 14, 2026.
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3. **Subscription Type**: Atlantic Risk Solutions agrees to subscribe to the **Professional Tier** of Bizllm, at a cost of $12,000/month, totaling $144,000 for the duration of this contract.
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4. **Payment Terms**: Payments are due on the 10th of each month via ACH transfer. Late payments will incur a penalty of 1.5% per month and may result in service suspension after 15 days delinquency.
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5. **User Licenses**: Contract includes 35 named user licenses. Additional users may be added at $180/month per license.
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6. **Termination Clause**: Either party may terminate this agreement with 45 days' written notice. Early termination requires payment of 50% of remaining contract value.
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---
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## Renewal
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1. **Automatic Renewal**: This agreement will automatically renew for an additional 12-month term unless either party provides written notice of non-renewal at least 45 days before the expiration date.
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2. **Price Protection**: Pricing increases capped at 8% annually for the first two renewal periods, providing Atlantic Risk Solutions with budget predictability.
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3. **Volume Discounts**: If Atlantic Risk Solutions expands to Enterprise tier during renewal, they receive a 15% discount on the difference for the first renewal year.
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---
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## Features
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1. **Access to Professional Tier Features**: Atlantic Risk Solutions will have access to all Professional Tier features, including:
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- Multi-Line Underwriting Engine supporting general liability, professional liability, property, workers' compensation, and cyber insurance
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- Business Intelligence Integration with automated data gathering from 50+ data sources
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- Cyber Risk Assessment module with security posture evaluation
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- Workers' Compensation Optimization with payroll integration and class code analysis
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- Commercial Property Evaluation with catastrophe modeling
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- Professional Liability Specialization for E&O coverage
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- Portfolio Management Dashboard with loss ratio tracking and geographic analysis
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- Agent and Broker Portal supporting up to 500 distribution partners
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- Claims Management Integration with reserve recommendation engine
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2. **Industry-Specific Templates**: Pre-configured underwriting templates for:
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- Technology companies and software-as-a-service (SaaS) businesses
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- Professional services firms (consulting, accounting, legal)
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- Healthcare providers and medical practices
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- Contractors and construction trades
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- Restaurants and hospitality businesses
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3. **Advanced Reporting**: Monthly automated reports including:
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- New business pipeline and conversion rates
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- Renewal retention analysis
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- Loss ratio trending by line of business
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- Agent performance scorecards
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- Competitive market positioning insights
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---
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## Support
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1. **Technical Support**: Atlantic Risk Solutions will receive priority technical support from Insurellm for any issues arising from the Bizllm product:
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- Dedicated support phone line and email
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- Response time: 4 hours for critical issues, 12 hours for standard requests
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- Access to technical support Monday-Friday 7 AM - 8 PM EST
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2. **Training**: Insurellm will provide comprehensive training program:
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- Initial onboarding for up to 15 staff members (20 hours total training)
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- Bi-monthly webinars on platform updates and best practices
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- Access to on-demand video library and knowledge base
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- Annual refresher training session
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3. **Updates and Maintenance**:
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- Quarterly platform updates with new features and security enhancements
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- Monthly minor updates and bug fixes
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- Maintenance windows: Sunday 1 AM - 5 AM EST
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- 48-hour advance notice for all scheduled maintenance
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4. **Account Management**:
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- Assigned account manager with quarterly business review meetings
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- Annual strategic planning session to align platform usage with business goals
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- Priority access to new beta features
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5. **Integration Support**: Technical assistance for integrating Bizllm with:
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- Atlantic's existing agency management system (Applied Epic)
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- Commercial lines rating platforms
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- Third-party data providers (Dun & Bradstreet, Experian, Verisk)
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- Email marketing platforms for agent communications
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---
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**Signatures:**
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_________________________________
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**Michael Torres**
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**Title**: Chief Revenue Officer
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**Insurellm, Inc.**
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**Date**: January 15, 2025
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_________________________________
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**Diana Marquez**
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**Title**: Senior Vice President, Commercial Lines
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**Atlantic Risk Solutions**
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**Date**: January 15, 2025
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---
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*This contract establishes a professional partnership between Insurellm and Atlantic Risk Solutions, enabling Atlantic to leverage cutting-edge AI technology for commercial insurance underwriting and administration.*
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# Contract with ConnectInsure Agency for Markellm
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**Contract Date:** February 28, 2025
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**Contract Number:** MK-2025-0056
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---
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## Terms
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1. **Parties Involved**: This contract is entered into between Insurellm, Inc. ("Provider") and ConnectInsure Agency ("Client").
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2. **Service Commencement**: Services will commence on March 1, 2025.
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3. **Contract Duration**: This Agreement shall remain in effect for 18 months from the commencement date, ending August 31, 2026.
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4. **Fee Structure**: ConnectInsure Agency agrees to a hybrid pricing model:
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- Basic Listing Fee: $199/month for featured placement on the Markellm platform
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- Performance-Based Pricing: $25 per qualified lead generated through Markellm
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- Premium Analytics Package (optional): $99/month for enhanced data insights and reporting
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5. **Lead Volume Expectations**: Based on ConnectInsure's profile, Markellm projects 80-120 qualified leads per month, resulting in estimated monthly costs of $2,199-$3,199.
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6. **Payment Terms**:
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- Monthly listing fee due on the 1st of each month
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- Performance-based fees invoiced monthly on the 5th for prior month activity
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- Payment due within 15 days of invoice via ACH or credit card
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7. **Lead Quality Standards**: Qualified leads meet the following criteria:
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- Valid contact information (verified phone and email)
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- Active insurance shopping intent (quote request within 7 days)
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- Geographic coverage within ConnectInsure's operating territories
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- Products matching ConnectInsure's offerings
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8. **Dispute Resolution**: Lead quality disputes must be submitted within 5 business days with documentation. Insurellm will credit for validated low-quality leads.
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## Renewal
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1. **Automatic Renewal**: This agreement automatically renews for successive 6-month terms unless either party provides written notice of non-renewal at least 30 days before expiration.
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2. **Fee Adjustments**: Listing fees and performance fees may be adjusted annually with 60 days' written notice. Historical average: 5-8% annual adjustment.
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## Features
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1. **AI-Powered Matching**: ConnectInsure Agency will benefit from Markellm's sophisticated matching:
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- Consumer needs analysis with ML algorithms
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- Product-to-need matching across auto, home, life, health insurance
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- Geographic and specialty matching
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- Price range and coverage preference alignment
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- Consumer demographic matching to ConnectInsure's sweet spot
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2. **Featured Listing**: Premium marketplace placement including:
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- Enhanced agency profile with logo, photos, testimonials
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- Badges for specializations (e.g., "High-Risk Auto Specialist", "Multi-Policy Expert")
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- Priority positioning in search results
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- Featured placement in relevant consumer matches
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- Up to 10 agent profiles within agency listing
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3. **Real-Time Quote Integration**: Technology enabling:
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- API integration with ConnectInsure's quoting systems
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- Real-time rate display to consumers
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- Competitive positioning insights
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- Quote abandonment recovery campaigns
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4. **Lead Management Portal**: Comprehensive tools for:
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- Real-time lead notifications (SMS, email, push)
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- Lead routing to specific agents based on specialty
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- Follow-up task management and CRM integration
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- Lead status tracking (contacted, quoted, sold, declined)
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- Performance analytics by agent and product line
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5. **Data Insights**: Analytics dashboard providing:
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- Lead volume trends and forecasting
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- Conversion rate analysis
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- Cost per acquisition metrics
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- Competitive benchmarking (anonymized)
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- Consumer behavior insights
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- Product mix recommendations
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6. **Consumer Reviews**: Reputation management:
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- Consumer rating and review collection
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- Response management for reviews
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- Review showcase on agency profile
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- Negative review mediation support
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7. **Marketing Support**: Platform-provided marketing:
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- Co-branded marketing materials
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- Email drip campaigns to warm leads
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- Social media content suggestions
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- Seasonal campaign participation
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- Referral program integration
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## Support
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1. **Technical Support**: ConnectInsure Agency will receive:
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- Email and phone support Monday-Friday 8 AM - 6 PM EST
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- Response time: 24 hours for standard inquiries
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- Online help center and FAQ
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- Video tutorials for platform features
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2. **Onboarding**: Implementation includes:
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- 2-week onboarding process
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- Platform training for up to 5 agency staff (3 hours total)
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- Profile optimization consultation
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- Quote integration setup (if applicable)
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- CRM integration assistance
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3. **Account Management**:
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- Named account manager with monthly check-ins
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- Quarterly performance reviews
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- Lead quality monitoring and optimization
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- Competitive positioning recommendations
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- Best practices sharing from top-performing agencies
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4. **Platform Updates**:
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- Regular feature enhancements
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- Mobile app updates
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- Consumer experience improvements
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- New product line additions
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- Advance notice of major changes (minimum 14 days)
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5. **Marketing Assistance**:
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- Quarterly marketing strategy consultations
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- Campaign performance analysis
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- Consumer trend reports
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- Co-marketing opportunity identification
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---
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**Signatures:**
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**Insurellm, Inc.**
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Michael Torres, Chief Revenue Officer
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Date: February 28, 2025
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**ConnectInsure Agency**
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Brian Foster, Agency Principal
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Date: February 28, 2025
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---
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This contract enables ConnectInsure Agency to leverage Markellm's AI-powered marketplace to connect with qualified insurance shoppers and grow their business through data-driven lead generation.
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# Contract with Continental Commercial Group for Bizllm
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**Contract Date:** April 12, 2025
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**Contract Number:** BZ-2025-E-0147
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**Parties:**
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- Insurellm, Inc.
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- Continental Commercial Group, Inc.
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---
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## Terms
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1. **Coverage:** Insurellm agrees to provide Continental Commercial Group with comprehensive access to the Bizllm Enterprise platform, including white-label capabilities, dedicated infrastructure, and full API access for commercial insurance operations across all 50 US states.
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2. **Duration:** This agreement is effective for a period of 36 months from the contract date, with provisions for early renewal discussions at the 24-month mark.
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3. **Payment:** Continental Commercial Group shall pay custom Enterprise pricing of $42,000 per month for the first 12 months, with pricing review and adjustment for years 2-3 based on usage metrics and expanded feature adoption.
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4. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding proprietary algorithms, trade secrets, customer data, and business strategies disclosed during this partnership.
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5. **Liability:** Insurellm's liability is limited to direct damages not exceeding the annual contract value. Continental Commercial Group maintains $25 million in cybersecurity insurance covering data breaches.
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6. **Service Level Agreement (SLA):** Insurellm guarantees 99.9% platform uptime, measured monthly. For each 0.1% below target, Continental receives a 5% monthly fee credit, up to a maximum of 25% monthly credit.
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7. **Exclusivity:** Continental Commercial Group receives exclusive use of Bizllm in the specialty construction insurance vertical for the contract duration within North America.
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---
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## Renewal
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This agreement includes a mutual 90-day renewal notice period. Continental Commercial Group receives right of first refusal on any new Bizllm features or modules developed for the commercial insurance sector. Renewal terms will be negotiated based on platform evolution, competitive landscape, and business performance metrics.
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||||
---
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## Features
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||||
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||||
Continental Commercial Group will receive the complete Bizllm Enterprise suite:
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||||
1. **White-Label Customization:** Full platform branding with Continental's logos, color schemes, and custom domain names for client-facing portals.
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2. **Dedicated Cloud Infrastructure:** Private cloud deployment with dedicated servers, ensuring data isolation and optimized performance for Continental's 200+ concurrent users.
|
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||||
3. **Unlimited API Access:** Full API integration capabilities with no call volume limits, enabling seamless connection to Continental's existing tech stack including:
|
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- Duck Creek policy administration system
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- Guidewire ClaimCenter
|
||||
- Custom data warehouse and business intelligence platforms
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||||
- Third-party data providers (Verisk, ISO, Dun & Bradstreet)
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||||
|
||||
4. **Advanced Cyber Risk Module:** Comprehensive cyber insurance underwriting tools including:
|
||||
- Automated security posture assessment
|
||||
- Breach history analysis and dark web monitoring
|
||||
- IT infrastructure vulnerability scanning
|
||||
- Ransomware risk scoring
|
||||
|
||||
5. **Custom Product Configuration:** Ability to configure and deploy unlimited custom commercial insurance products, including specialty lines such as:
|
||||
- Construction surety and wrap-up programs
|
||||
- Environmental liability
|
||||
- Directors and officers (D&O) coverage
|
||||
- Employment practices liability (EPLI)
|
||||
|
||||
6. **Predictive Analytics Engine:** Machine learning models for:
|
||||
- Loss forecasting and reserve adequacy
|
||||
- Optimal pricing recommendations
|
||||
- Renewal probability scoring
|
||||
- Cross-sell and upsell opportunity identification
|
||||
|
||||
7. **Agent Network Management:** Enterprise-grade agent portal supporting Continental's 3,500+ independent agents with hierarchical permissions, customizable commission structures, and real-time policy binding.
|
||||
|
||||
8. **Regulatory Compliance Suite:** Automated compliance monitoring for all 50 states including form filing, rate approval tracking, and surplus lines requirements.
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Named Chief Customer Officer oversight
|
||||
- Dedicated Technical Account Manager (TAM)
|
||||
- Solutions architect for ongoing optimization
|
||||
- Quarterly executive business reviews with C-suite participation
|
||||
|
||||
2. **24/7/365 Support:**
|
||||
- Guaranteed 15-minute response time for critical issues
|
||||
- 1-hour response for high-priority issues
|
||||
- Dedicated Slack channel for real-time communication
|
||||
- Monthly system health reports and optimization recommendations
|
||||
|
||||
3. **Implementation and Onboarding:**
|
||||
- 6-month implementation program with dedicated project manager
|
||||
- Comprehensive training for up to 150 Continental staff members
|
||||
- Custom training materials and certification program
|
||||
- On-site support during first 90 days of production operation
|
||||
|
||||
4. **Development and Customization:**
|
||||
- 500 hours annually of custom development included
|
||||
- Priority feature requests with guaranteed evaluation
|
||||
- Beta access to all new features 60 days before general release
|
||||
- Input into product roadmap and strategic direction
|
||||
|
||||
5. **Data Services:**
|
||||
- Quarterly data quality audits
|
||||
- Annual data migration support for system upgrades
|
||||
- Dedicated data warehouse with 7-year retention
|
||||
- Custom reporting and analytics dashboard development
|
||||
|
||||
6. **Performance Optimization:**
|
||||
- Monthly platform performance reviews
|
||||
- Proactive capacity planning and scaling recommendations
|
||||
- Load testing before major product launches
|
||||
- Dedicated infrastructure monitoring with real-time alerts
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: April 12, 2025
|
||||
|
||||
_________________________________
|
||||
**Thomas Wellington**
|
||||
**Title**: President & Chief Operating Officer
|
||||
**Continental Commercial Group, Inc.**
|
||||
**Date**: April 12, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement represents a strategic partnership between Insurellm and Continental Commercial Group to transform commercial insurance operations through cutting-edge technology and innovation. This contract supersedes all prior agreements and represents the complete understanding between both parties.
|
||||
@@ -0,0 +1,198 @@
|
||||
# Contract with DriveSmart Insurance for Carllm
|
||||
|
||||
**Contract Date:** March 20, 2025
|
||||
**Contract Number:** CR-2025-E-0078
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- DriveSmart Insurance Corp.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide DriveSmart Insurance with enterprise access to the Carllm platform, including white-label capabilities, unlimited user licenses, dedicated infrastructure, and full API access for their multi-state auto insurance operations.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 36 months from the contract date.
|
||||
|
||||
3. **Payment:** DriveSmart Insurance shall pay custom Enterprise Tier pricing of $18,000 per month for the first 12 months, $19,500 per month for months 13-24, and $21,000 per month for months 25-36, totaling $702,000 over the contract term.
|
||||
|
||||
4. **Policy Volume**: Enterprise Tier supports unlimited policies. DriveSmart currently has 85,000 active auto policies across 8 states.
|
||||
|
||||
5. **Service Level Agreement:** Insurellm guarantees 99.9% platform uptime measured monthly, with 8% monthly credit for each 0.1% below target, maximum 40% monthly credit.
|
||||
|
||||
6. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary algorithms, driver data, pricing models, and business strategies.
|
||||
|
||||
7. **Data Security:** Insurellm maintains SOC 2 Type II compliance, annual penetration testing, and comprehensive cyber insurance coverage.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a 90-day mutual renewal notice period. DriveSmart receives most-favored-customer pricing guarantees ensuring competitive rates at renewal. Contract may be extended in 12 or 24-month increments.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
DriveSmart Insurance will receive the complete Carllm Enterprise suite:
|
||||
|
||||
1. **Unlimited Policy Administration:** Full support for DriveSmart's 85,000+ policies with scalability to 500,000+ policies.
|
||||
|
||||
2. **White-Label Platform:** Complete customization:
|
||||
- Custom domains (quote.drivesmartinsurance.com, portal.drivesmartinsurance.com)
|
||||
- Branded mobile apps for iOS and Android
|
||||
- Customized marketing materials and quote tools
|
||||
- Co-branded agent portals
|
||||
|
||||
3. **Advanced AI Risk Assessment:** Enterprise-grade risk analysis:
|
||||
- Real-time driver behavior analysis from telematics devices
|
||||
- Vehicle condition assessment from VIN decoding and maintenance records
|
||||
- Claims history analysis across all carriers (LexisNexis, CLUE)
|
||||
- Credit-based insurance scoring
|
||||
- Geographic risk modeling with granular loss costs
|
||||
- Multi-car and multi-driver household optimization
|
||||
- Commercial auto risk assessment capabilities
|
||||
|
||||
4. **Instant Quoting Engine:** High-performance quoting:
|
||||
- Sub-3-second quote generation
|
||||
- Real-time rate optimization across 50+ rating factors
|
||||
- Competitive intelligence with market positioning
|
||||
- Dynamic pricing based on demand and capacity
|
||||
- Multi-product bundling discounts (auto + home)
|
||||
- A/B testing capabilities for pricing strategies
|
||||
|
||||
5. **Customizable Coverage Plans:** Flexible product configuration:
|
||||
- State-specific coverage options (all 8 operating states)
|
||||
- Usage-based insurance (UBI) programs
|
||||
- Pay-per-mile options
|
||||
- Rideshare and delivery driver coverage
|
||||
- Classic and collector car programs
|
||||
- SR-22 and high-risk driver programs
|
||||
|
||||
6. **Advanced Fraud Detection:** Comprehensive fraud prevention:
|
||||
- Application fraud detection (identity verification, address validation)
|
||||
- Claims fraud analytics with pattern recognition
|
||||
- Agent fraud monitoring
|
||||
- Staged accident detection
|
||||
- Social network analysis for fraud rings
|
||||
- Integration with NICB and SIU databases
|
||||
|
||||
7. **Customer Insights Dashboard:** Deep analytics:
|
||||
- Real-time policy metrics and KPIs
|
||||
- Retention and churn analysis
|
||||
- Loss ratio tracking by segment
|
||||
- Agent performance analytics
|
||||
- Marketing campaign ROI measurement
|
||||
- Customer lifetime value prediction
|
||||
|
||||
8. **Telematics Integration:** Complete telematics platform:
|
||||
- Device-agnostic integration (OBD-II dongles, smartphone apps, embedded)
|
||||
- Real-time driver behavior scoring
|
||||
- Trip-level data analysis (hard braking, acceleration, cornering, speeding)
|
||||
- Mileage verification for low-mileage discounts
|
||||
- Accident detection and emergency response
|
||||
- Driver coaching and feedback programs
|
||||
- Gamification and safe driving rewards
|
||||
|
||||
9. **Complete API Access:** Unlimited API calls:
|
||||
- Integration with DriveSmart's core systems
|
||||
- Agent management system connectivity
|
||||
- Third-party data providers (LexisNexis, Verisk, Experian)
|
||||
- DMV and MVR integrations
|
||||
- Payment processing systems
|
||||
- Document management platforms
|
||||
- Marketing automation tools
|
||||
|
||||
10. **Multi-State Operations:** Comprehensive state support:
|
||||
- State-specific forms and endorsements
|
||||
- Regulatory compliance monitoring
|
||||
- Rate filing management
|
||||
- Multi-state agent licensing tracking
|
||||
- Surplus lines support where needed
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for DriveSmart Insurance:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Named VP-level executive sponsor with quarterly reviews
|
||||
- Senior Customer Success Manager with weekly check-ins
|
||||
- Technical Account Manager for optimization
|
||||
- Solutions Architect for strategic initiatives
|
||||
- Quarterly executive business reviews with ROI analysis
|
||||
|
||||
2. **24/7/365 Support:**
|
||||
- 30-minute response time for P1 critical issues
|
||||
- 2-hour response for P2 high-priority issues
|
||||
- 4-hour response for P3 standard issues
|
||||
- Dedicated support hotline with no phone tree
|
||||
- Private Slack channel with engineering team
|
||||
- Quarterly on-site visits (minimum 4 per year)
|
||||
|
||||
3. **Implementation:**
|
||||
- 6-month phased implementation
|
||||
- Dedicated project manager
|
||||
- Migration of 85,000 policies from legacy system
|
||||
- Training for 75+ staff and 200+ agents
|
||||
- Parallel processing for 60 days
|
||||
- Go-live support (4 weeks on-site)
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Role-based training for all users
|
||||
- Train-the-trainer program
|
||||
- Annual user conference attendance (5 attendees)
|
||||
- Monthly training webinars
|
||||
- Unlimited online learning access
|
||||
- Custom training materials
|
||||
|
||||
5. **Custom Development:**
|
||||
- 800 hours annually of custom development
|
||||
- Priority feature requests on product roadmap
|
||||
- Beta access to new features 60 days early
|
||||
- Co-development opportunities
|
||||
|
||||
6. **Integration Services:**
|
||||
- Integration with DriveSmart's systems:
|
||||
- Duck Creek policy administration
|
||||
- Applied Epic agency management
|
||||
- Guidewire ClaimCenter
|
||||
- Telematics providers (Arity, Cambridge Mobile Telematics)
|
||||
- Payment processors
|
||||
- Salesforce CRM
|
||||
- Dedicated integration specialist
|
||||
- Quarterly integration reviews
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom dashboard development (up to 15 dashboards)
|
||||
- Automated daily, weekly, monthly reporting
|
||||
- Ad-hoc analytics support (20 requests/month)
|
||||
- Industry benchmarking
|
||||
- Predictive modeling consultation
|
||||
|
||||
8. **Continuous Improvement:**
|
||||
- Quarterly optimization workshops
|
||||
- Annual efficiency audits
|
||||
- Best practice sharing
|
||||
- Innovation lab for emerging tech (AI, IoT, connected cars)
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: March 20, 2025
|
||||
|
||||
_________________________________
|
||||
**Steven Brooks**
|
||||
**Title**: President & Chief Operating Officer
|
||||
**DriveSmart Insurance Corp.**
|
||||
**Date**: March 20, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement establishes DriveSmart Insurance as a premier enterprise partner leveraging Carllm's advanced AI and telematics capabilities to transform auto insurance operations. This contract supersedes all prior agreements.
|
||||
@@ -55,4 +55,4 @@
|
||||
|
||||
---
|
||||
|
||||
This contract seeks to foster a strong partnership between Insurellm and EverGuard Insurance, leveraging Rellm to innovate and enhance reinsurance capabilities while ensuring mutual growth and compliance in the ever-evolving insurance landscape.
|
||||
This contract seeks to foster a strong partnership between Insurellm and EverGuard Insurance, leveraging Rellm to innovate and enhance reinsurance capabilities while ensuring mutual growth and compliance in the ever-evolving insurance landscape.
|
||||
@@ -0,0 +1,137 @@
|
||||
# Contract with Evergreen Life Insurance for Lifellm
|
||||
|
||||
**Contract Date:** January 20, 2025
|
||||
**Contract Number:** LF-2025-0012
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- Evergreen Life Insurance Company
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide Evergreen Life Insurance with access to the Lifellm platform, enabling AI-powered life insurance underwriting, policy administration, and risk assessment for individual and group life policies.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 12 months from the contract date, with automatic renewal provisions unless terminated with 30-day written notice.
|
||||
|
||||
3. **Payment:** Evergreen Life Insurance shall pay a monthly fee of $3,500, due by the 5th of every month for the Starter Tier package.
|
||||
|
||||
4. **Policy Volume:** Starter Tier supports underwriting and administration for up to 2,000 active policies. Current baseline: 1,400 policies.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary underwriting models, policyholder health information (PHI), and business strategies.
|
||||
|
||||
6. **HIPAA Compliance:** Insurellm maintains full HIPAA compliance for all health data processed through the Lifellm platform.
|
||||
|
||||
7. **Liability:** Insurellm's liability is limited to direct damages not exceeding the total fees paid in the preceding 6 months.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
Unless either party provides written notice of termination at least 30 days prior to contract expiration, this agreement automatically renews for successive 12-month terms under the same terms, subject to pricing adjustments with 60 days' advance notice (capped at 10% annual increase).
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
Evergreen Life Insurance will receive the following Starter Tier features:
|
||||
|
||||
1. **AI-Powered Underwriting:** Accelerated underwriting process analyzing:
|
||||
- Medical histories and prescription databases (Milliman IntelliScript)
|
||||
- Motor vehicle records (MVRs)
|
||||
- Credit-based insurance scores
|
||||
- Lifestyle and occupation risk factors
|
||||
- Automated underwriting decisions for standard risks
|
||||
|
||||
2. **Risk Assessment:** AI-driven mortality risk modeling considering:
|
||||
- Age, gender, and family medical history
|
||||
- Current health conditions and lab values
|
||||
- Tobacco and alcohol use
|
||||
- High-risk activities and occupations
|
||||
|
||||
3. **Automated Policy Management:**
|
||||
- Digital policy issuance and delivery
|
||||
- Beneficiary management and updates
|
||||
- Premium calculation and billing integration
|
||||
- Coverage adjustments and conversions
|
||||
- Policy reinstatement processing
|
||||
|
||||
4. **Smart Document Processing:** OCR and NLP extraction from:
|
||||
- Medical records and attending physician statements (APS)
|
||||
- Lab results and paramedical exams
|
||||
- Application forms
|
||||
- Financial documentation
|
||||
|
||||
5. **Customer Portal:** Policyholder self-service portal featuring:
|
||||
- Policy document access
|
||||
- Beneficiary updates
|
||||
- Premium payment processing
|
||||
- Coverage summary and statements
|
||||
- Digital insurance cards
|
||||
|
||||
6. **Regulatory Compliance:** Built-in compliance monitoring for:
|
||||
- State insurance regulations
|
||||
- NAIC model laws and regulations
|
||||
- Anti-money laundering (AML) requirements
|
||||
- Policy form approvals
|
||||
|
||||
7. **Basic Analytics:** Standard dashboards tracking:
|
||||
- Application submission and approval rates
|
||||
- Average underwriting cycle time
|
||||
- Policy persistency and lapse rates
|
||||
- Face amount in force
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to providing comprehensive support to Evergreen Life Insurance:
|
||||
|
||||
1. **Onboarding:** 2-week implementation program including:
|
||||
- System configuration and setup
|
||||
- Training for up to 8 underwriters and administrators
|
||||
- Integration with Evergreen's policy administration system
|
||||
- Data migration from legacy system (up to 1,400 policies)
|
||||
|
||||
2. **Technical Support:**
|
||||
- Email and phone support Monday-Friday 8 AM - 6 PM EST
|
||||
- Response time: 12 hours for critical issues, 24 hours for standard
|
||||
- Online ticketing system for issue tracking
|
||||
- Knowledge base and FAQ access
|
||||
|
||||
3. **Platform Updates:**
|
||||
- Quarterly feature releases
|
||||
- Monthly security patches and improvements
|
||||
- Advance notice of updates (minimum 14 days)
|
||||
- Release notes and user documentation
|
||||
|
||||
4. **Account Management:**
|
||||
- Named customer success manager
|
||||
- Semi-annual business review meetings
|
||||
- Usage analytics and optimization recommendations
|
||||
- Assistance with tier upgrade when volume grows
|
||||
|
||||
5. **Compliance Support:**
|
||||
- Annual compliance review and audit support
|
||||
- Regulatory update notifications
|
||||
- State insurance department filing assistance
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Michael Torres**
|
||||
**Title**: Chief Revenue Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: January 20, 2025
|
||||
|
||||
_________________________________
|
||||
**Catherine Wu**
|
||||
**Title**: Chief Underwriting Officer
|
||||
**Evergreen Life Insurance Company**
|
||||
**Date**: January 20, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement enables Evergreen Life Insurance to modernize their life insurance operations with AI-powered underwriting and administration technology.
|
||||
@@ -0,0 +1,73 @@
|
||||
# Contract with FastTrack Insurance Services for Claimllm
|
||||
|
||||
**Contract Date:** May 10, 2025
|
||||
**Contract Number:** CL-2025-0234
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Parties Involved**: This contract is entered into between Insurellm, Inc. ("Provider") and FastTrack Insurance Services ("Client") on May 10, 2025.
|
||||
|
||||
2. **License Grant**: Insurellm grants FastTrack Insurance Services a non-exclusive, non-transferable license to use the Claimllm Advanced Tier platform.
|
||||
|
||||
3. **Payment Terms**: FastTrack Insurance Services agrees to make monthly payments of $9,500 for the duration of this 18-month contract, totaling $171,000. Payments due on the 1st of each month.
|
||||
|
||||
4. **Claims Volume**: Advanced Tier supports up to 25,000 claims annually. FastTrack projects 22,000 claims in year 1.
|
||||
|
||||
5. **Confidentiality**: Both parties shall maintain confidentiality regarding each other's proprietary information for the contract duration plus 5 years post-termination.
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This contract automatically renews for successive 12-month terms unless either party provides written notice of non-renewal at least 45 days prior to expiration.
|
||||
|
||||
2. **Pricing Review**: Renewal pricing will be discussed 60 days prior to term end. Price increases limited to 8% annually.
|
||||
|
||||
## Features
|
||||
|
||||
1. **Included Features**: FastTrack Insurance Services will have access to Claimllm Advanced Tier features:
|
||||
- Intelligent FNOL Processing with multi-channel intake
|
||||
- Automated Triage and Routing with ML algorithms
|
||||
- Computer Vision Damage Assessment for auto and property claims
|
||||
- Predictive Fraud Detection with network analysis
|
||||
- Smart Document Processing with OCR and NLP
|
||||
- Dynamic Reserve Setting with AI-powered modeling
|
||||
- Vendor Management Platform for 150+ vendors
|
||||
- Payment Automation with multi-party splits
|
||||
- Claimant Communication Hub (SMS, email, app)
|
||||
- Advanced Analytics and reporting dashboards
|
||||
|
||||
2. **Integration Capabilities**: API integration with FastTrack's existing claims systems (Guidewire, Duck Creek compatibility).
|
||||
|
||||
3. **Mobile Access**: Full-featured mobile app for adjusters in the field with offline capability.
|
||||
|
||||
## Support
|
||||
|
||||
1. **Customer Support**: Insurellm will provide priority support to FastTrack Insurance Services:
|
||||
- Dedicated support team available Monday-Saturday 6 AM - 8 PM EST
|
||||
- Emergency support 24/7 for critical issues
|
||||
- Response time: 3 hours for critical, 8 hours for standard
|
||||
|
||||
2. **Training**: Comprehensive training program:
|
||||
- 3-week implementation with dedicated project manager
|
||||
- Training for up to 30 claims staff members
|
||||
- Quarterly refresher webinars
|
||||
- Online knowledge base access
|
||||
|
||||
3. **System Updates**: Regular platform enhancements pushed monthly with advance notification. Maintenance windows on Sundays 12 AM - 4 AM EST.
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
**Insurellm, Inc.**
|
||||
Sarah Chen, VP of Sales
|
||||
Date: May 10, 2025
|
||||
|
||||
**FastTrack Insurance Services**
|
||||
Rebecca Martinez, COO
|
||||
Date: May 10, 2025
|
||||
|
||||
---
|
||||
|
||||
This contract represents the agreement between Insurellm and FastTrack Insurance Services for streamlined, AI-powered claims processing operations.
|
||||
@@ -0,0 +1,87 @@
|
||||
# Contract with Fortress Business Underwriters for Bizllm
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Agreement Effective Date**: This contract is effective as of February 1, 2025.
|
||||
2. **Duration**: This agreement will remain in effect for a term of 24 months, concluding on January 31, 2027.
|
||||
3. **Subscription Type**: Fortress Business Underwriters agrees to subscribe to the **Professional Tier** of Bizllm, at a cost of $12,000/month, totaling $288,000 for the duration of this contract.
|
||||
4. **Payment Terms**: Payments are due on the 5th of each month. Late payments will incur a penalty of 2% per month.
|
||||
5. **Scope of Use**: License covers up to 50 named users within Fortress Business Underwriters' organization, with additional user licenses available at $150/month per user.
|
||||
6. **Termination Clause**: Either party may terminate this agreement with 60 days' written notice prior to the end of the term. If terminated early, a termination fee equal to 25% of remaining contract value will apply.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This agreement will automatically renew for an additional 24-month term unless either party provides written notice of non-renewal at least 60 days before the expiration date.
|
||||
2. **Price Adjustments**: Subscription fees may be adjusted for the renewal term based on Consumer Price Index (CPI) changes or enhanced feature availability, with 90 days' prior notice provided to Fortress Business Underwriters.
|
||||
3. **Upgrade Options**: Client may upgrade to Enterprise Tier at any time with 30 days' notice and prorated pricing adjustment.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
1. **Access to Professional Tier Features**: Fortress Business Underwriters will have access to all Professional Tier features, including:
|
||||
- Multi-Line Underwriting Engine for general liability, professional liability, property, workers' comp, and cyber insurance
|
||||
- Business Intelligence Integration with automated data gathering
|
||||
- Cyber Risk Assessment with digital security posture evaluation
|
||||
- Workers' Compensation Optimization tools
|
||||
- Commercial Property Evaluation with catastrophe modeling
|
||||
- Professional Liability Specialization for multiple industry sectors
|
||||
- Portfolio Management Dashboard with predictive analytics
|
||||
- Agent and Broker Portal with commission tracking
|
||||
- Claims Management Integration with AI-powered subrogation identification
|
||||
|
||||
2. **Advanced Analytics**: Access to enhanced reporting capabilities including loss ratio analysis, geographic heat maps, and competitive benchmarking tools.
|
||||
|
||||
3. **API Access**: Limited API access for integrating Bizllm with existing underwriting workbenches and agency management systems (up to 100,000 API calls/month).
|
||||
|
||||
4. **Custom Workflows**: Ability to configure up to 10 custom underwriting workflows tailored to Fortress's specific business lines and risk appetites.
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
1. **Technical Support**: Fortress Business Underwriters will receive priority technical support from Insurellm, including:
|
||||
- Dedicated account manager with monthly check-ins
|
||||
- 24/7 emergency technical support hotline
|
||||
- Response time guarantee: 2 hours for critical issues, 8 hours for standard issues
|
||||
|
||||
2. **Training**: Insurellm will provide:
|
||||
- Initial comprehensive onboarding (40 hours) for up to 20 staff members
|
||||
- Quarterly advanced training sessions on new features and best practices
|
||||
- Access to online learning portal with video tutorials and documentation
|
||||
- Annual certification program for power users
|
||||
|
||||
3. **Updates and Maintenance**:
|
||||
- Monthly platform updates with new features and enhancements
|
||||
- Scheduled maintenance windows: Saturday 11 PM - Sunday 3 AM EST
|
||||
- Minimum 72 hours advance notice for all planned maintenance
|
||||
- Zero-downtime updates for non-critical improvements
|
||||
|
||||
4. **Integration Support**: Dedicated integration specialist to assist with:
|
||||
- Connection to policy administration systems (Duck Creek, Guidewire, etc.)
|
||||
- Data migration from legacy underwriting platforms
|
||||
- Third-party data provider integrations (Verisk, LexisNexis, CoreLogic)
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Michael Torres**
|
||||
**Title**: Chief Revenue Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: February 1, 2025
|
||||
|
||||
_________________________________
|
||||
**Robert Chen**
|
||||
**Title**: Chief Underwriting Officer
|
||||
**Fortress Business Underwriters**
|
||||
**Date**: February 1, 2025
|
||||
|
||||
---
|
||||
|
||||
*This contract outlines the terms of the relationship between Insurellm and Fortress Business Underwriters for the Bizllm product, establishing a partnership to transform commercial insurance underwriting operations.*
|
||||
@@ -0,0 +1,292 @@
|
||||
# Contract with GlobalRe Partners for Rellm - AI-Powered Enterprise Reinsurance Solution
|
||||
|
||||
**Contract Date:** April 28, 2025
|
||||
**Contract Number:** RE-2025-E-0203
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- GlobalRe Partners International, Ltd.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide GlobalRe Partners with enterprise access to the Rellm platform, including white-label capabilities, unlimited treaty and facultative reinsurance administration, dedicated infrastructure, and full API access for their global reinsurance operations.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 48 months from the contract date, representing Insurellm's most strategic long-term reinsurance partnership.
|
||||
|
||||
3. **Payment:** GlobalRe Partners shall pay custom Enterprise Tier pricing of $45,000 per month for months 1-12, $48,000 per month for months 13-24, $52,000 per month for months 25-36, and $56,000 per month for months 37-48, totaling $2,412,000 over the contract term.
|
||||
|
||||
4. **Reinsurance Volume**: Enterprise Tier supports unlimited treaties and facultative certificates. GlobalRe currently manages 450+ treaty relationships and 8,000+ facultative placements annually.
|
||||
|
||||
5. **Service Level Agreement:** Insurellm guarantees 99.95% platform uptime measured monthly, with 10% monthly credit for each hour of unplanned downtime, maximum 50% monthly credit.
|
||||
|
||||
6. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding proprietary AI algorithms, reinsurance pricing models, cedent data, catastrophe modeling, and strategic initiatives.
|
||||
|
||||
7. **Data Security:** Insurellm maintains SOC 2 Type II compliance, ISO 27001 certification, and annual third-party security audits with penetration testing.
|
||||
|
||||
8. **Business Continuity:** Guaranteed 2-hour recovery time objective (RTO) and 30-minute recovery point objective (RPO) with geographically diverse data centers.
|
||||
|
||||
9. **Global Operations:** Platform supports multi-currency (35+ currencies), multi-language (12 languages), and multi-jurisdiction regulatory compliance.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a mutual 120-day renewal notice period. GlobalRe Partners receives most-favored-customer pricing guarantees and priority access to all new reinsurance features. Contract may be extended in 12 or 24-month increments with provisions for joint innovation initiatives in catastrophe modeling and climate risk analytics.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
GlobalRe Partners will receive the complete Rellm Enterprise suite with advanced reinsurance capabilities:
|
||||
|
||||
1. **Unlimited Reinsurance Administration:** Full support for GlobalRe's 450+ treaty relationships and 8,000+ annual facultative placements with scalability to 1,000+ treaties and 50,000+ facultative certificates.
|
||||
|
||||
2. **White-Label Platform:** Complete branding customization:
|
||||
- Custom domains (portal.globalrepartners.com, cedents.globalrepartners.com, brokers.globalrepartners.com)
|
||||
- Branded portals for cedents, brokers, and retrocessionaires
|
||||
- Multi-language interface (English, Spanish, French, German, Mandarin, Japanese, Portuguese, Dutch, Italian, Korean, Arabic, Russian)
|
||||
- Customized reporting templates and market presentations
|
||||
|
||||
3. **Advanced AI-Driven Analytics:** Enterprise-grade reinsurance analytics:
|
||||
- Predictive risk modeling across all lines of business
|
||||
- Treaty portfolio optimization and capital allocation
|
||||
- Retrocessional optimization and protection tower design
|
||||
- Pricing analytics with market cycle intelligence
|
||||
- Loss development and IBNR prediction
|
||||
- Ultimate loss forecasting with confidence intervals
|
||||
- Reserve adequacy modeling
|
||||
- Commutation opportunity identification
|
||||
|
||||
4. **Comprehensive Risk Assessment Module:** State-of-the-art risk evaluation:
|
||||
- Cedent financial strength analysis with early warning indicators
|
||||
- Portfolio exposure aggregation across all treaties
|
||||
- Clash analysis and accumulation monitoring
|
||||
- Geographic concentration heat maps
|
||||
- Industry and line of business diversification metrics
|
||||
- Emerging risk identification (cyber, climate, pandemic)
|
||||
- Counterparty credit risk assessment
|
||||
- Retrocessional credit risk monitoring
|
||||
|
||||
5. **Catastrophe Modeling Integration:** Best-in-class CAT modeling:
|
||||
- Integration with all major vendors (RMS, AIR, CoreLogic, KCC)
|
||||
- Multi-peril catastrophe analysis
|
||||
- Probable maximum loss (PML) calculations at all return periods
|
||||
- Exceedance probability curves and tail value-at-risk
|
||||
- Climate change scenario modeling
|
||||
- Secondary uncertainty and model blending
|
||||
- Real-time CAT event tracking and loss estimation
|
||||
- Pre-CAT exposure management and post-CAT claims projection
|
||||
|
||||
6. **Treaty Administration:** Complete treaty lifecycle management:
|
||||
- Treaty structuring and quota share optimization
|
||||
- Excess of loss layer optimization
|
||||
- Sliding scale commission calculation
|
||||
- Loss corridor and aggregate deductible tracking
|
||||
- Reinstatement premium automation
|
||||
- Cash call processing and premium allocation
|
||||
- Loss reserve bordereaux processing
|
||||
- Treaty accounting and reconciliation
|
||||
- Multi-year contract administration
|
||||
|
||||
7. **Facultative Reinsurance Platform:** Comprehensive fac management:
|
||||
- Digital submission intake from brokers and cedents
|
||||
- AI-powered underwriting decision support
|
||||
- Automated risk grading and pricing recommendations
|
||||
- Peer pricing comparison and market intelligence
|
||||
- Quote generation with terms and conditions
|
||||
- Binder and certificate issuance
|
||||
- Premium and claims tracking by certificate
|
||||
- Portfolio monitoring and aggregation
|
||||
|
||||
8. **Customizable Dashboard:** Enterprise-grade analytics:
|
||||
- Real-time portfolio performance metrics
|
||||
- Combined ratio tracking by treaty, cedent, line of business, geography
|
||||
- Premium volume and growth analytics
|
||||
- Claims development and loss ratio trending
|
||||
- Reserve adequacy indicators
|
||||
- Capital utilization and ROE analysis
|
||||
- Market share and competitive positioning
|
||||
- Broker and cedent relationship metrics
|
||||
|
||||
9. **Regulatory Compliance Tools:** Global compliance support:
|
||||
- Multi-jurisdiction regulatory reporting (US, EU, UK, Asia-Pacific, Latin America)
|
||||
- Solvency II compliance for European operations
|
||||
- IFRS 17 reporting and analytics
|
||||
- US statutory accounting (SAP)
|
||||
- Tax reporting and withholding management
|
||||
- Sanctions screening (OFAC, UN, EU)
|
||||
- Anti-money laundering (AML) monitoring
|
||||
- Audit trail and documentation repository
|
||||
|
||||
10. **Client and Broker Portals:** Stakeholder engagement platforms:
|
||||
- Cedent portal for submissions, bordereaux, reports, and analytics
|
||||
- Broker portal for quote requests, binding, and commissions
|
||||
- Retrocessionaire portal for downstream placements
|
||||
- Real-time data sharing and document exchange
|
||||
- Secure messaging and collaboration tools
|
||||
- Mobile app access for on-the-go access
|
||||
- Customized views by relationship
|
||||
|
||||
11. **Complete API Access:** Unlimited API integration:
|
||||
- Real-time integration with GlobalRe's core systems
|
||||
- Accounting system integration (SAP, Oracle)
|
||||
- Data warehouse synchronization
|
||||
- Catastrophe modeling platform connectivity
|
||||
- Broker trading platforms (Ebix, Sequel)
|
||||
- Lloyd's platform integration (Whitespace, PPL)
|
||||
- Industry data providers (AM Best, S&P, Moody's)
|
||||
- Economic and market data feeds
|
||||
|
||||
12. **Advanced Retrocessional Management:** Retro optimization:
|
||||
- Retrocessional program structuring
|
||||
- Protection tower analytics and gap analysis
|
||||
- Retro market intelligence and pricing
|
||||
- Counterparty diversification optimization
|
||||
- Credit risk monitoring
|
||||
- Collateral management
|
||||
- Retro recovery tracking
|
||||
|
||||
13. **Climate Risk Analytics:** Forward-looking climate modeling:
|
||||
- IPCC climate scenario analysis (RCP 2.6, 4.5, 8.5)
|
||||
- Transition risk assessment
|
||||
- Physical risk modeling for perils (hurricane, wildfire, flood, drought)
|
||||
- Sea level rise impact analysis
|
||||
- Temperature trend incorporation
|
||||
- Climate-adjusted pricing recommendations
|
||||
- Stranded asset identification
|
||||
- Green reinsurance opportunities
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for GlobalRe Partners:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Executive sponsor (CEO-level) with quarterly strategic reviews
|
||||
- Dedicated Senior Vice President of Customer Success with bi-weekly engagement
|
||||
- Technical Account Manager for platform optimization
|
||||
- Solutions Architect team (2 FTE) for strategic initiatives
|
||||
- Catastrophe modeling specialist for analytics support
|
||||
- Quarterly executive business reviews with C-suite participation from both organizations
|
||||
|
||||
2. **24/7/365 Premium Support:**
|
||||
- Guaranteed 10-minute response for P1 critical issues (during catastrophe events: 5 minutes)
|
||||
- 30-minute response for P2 high-priority issues
|
||||
- 2-hour response for P3 standard issues
|
||||
- Dedicated support team of 10+ specialists familiar with GlobalRe's operations
|
||||
- Named support engineers for each major functional area
|
||||
- Private collaboration channels (Slack, Microsoft Teams) with direct engineering access
|
||||
- Quarterly on-site support visits (minimum 8 per year, plus CAT event visits)
|
||||
|
||||
3. **Comprehensive Implementation:**
|
||||
- 18-month phased implementation program with 5 major releases
|
||||
- Dedicated program management office (PMO) with weekly steering committee meetings
|
||||
- Migration of 450+ treaty relationships and historical data (10 years)
|
||||
- Integration with 8,000+ facultative certificates
|
||||
- Training for 200+ GlobalRe staff across underwriting, actuarial, accounting, IT
|
||||
- Regional training sessions (North America, Europe, Asia)
|
||||
- Parallel processing with legacy systems for 6 months
|
||||
- Go-live support with 16-week on-site Insurellm team presence (8-12 people)
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Comprehensive role-based training (underwriters, actuaries, accountants, claim handlers, IT, executives)
|
||||
- Executive education on AI in reinsurance and emerging risk
|
||||
- Actuarial training on predictive modeling and machine learning
|
||||
- Catastrophe modeling workshop series
|
||||
- Train-the-trainer certification for GlobalRe's learning team
|
||||
- Annual user conference attendance (12 attendees, all expenses paid including travel)
|
||||
- Monthly advanced training webinars on new features
|
||||
- Unlimited online learning platform access with 150+ courses
|
||||
- Custom training content for GlobalRe-specific processes
|
||||
|
||||
5. **Custom Development:**
|
||||
- 4,000 hours annually of custom development included
|
||||
- Dedicated development team (6 developers, 2 QA, 1 PM) for GlobalRe-specific features
|
||||
- Priority feature requests with guaranteed product roadmap inclusion
|
||||
- Early access to beta features 120 days before general release
|
||||
- Joint innovation projects in climate risk, AI underwriting, blockchain
|
||||
- Co-development of industry-leading capabilities
|
||||
- Input into 5-year product strategy and vision
|
||||
|
||||
6. **Integration Services:**
|
||||
- Enterprise integration with GlobalRe's complex ecosystem:
|
||||
- SAP ERP for finance and accounting
|
||||
- Socotra reinsurance administration platform
|
||||
- RMS RiskLink catastrophe modeling
|
||||
- AIR Touchstone
|
||||
- Moody's RMS LifeRisks
|
||||
- Sequel broker trading platform
|
||||
- Lloyd's Whitespace and PPL
|
||||
- ACORD messaging standards
|
||||
- SWIFT for payments
|
||||
- Data warehouse on Snowflake
|
||||
- Tableau and PowerBI for analytics
|
||||
- Dedicated integration team (3 FTE integration engineers)
|
||||
- Monthly integration health assessments
|
||||
- Performance optimization and load testing
|
||||
- API governance and versioning support
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom dashboard development (unlimited)
|
||||
- Real-time operational dashboards for underwriting, claims, accounting
|
||||
- Executive dashboards with strategic KPIs
|
||||
- Automated reporting suite (daily, weekly, monthly, quarterly, annual)
|
||||
- Regulatory reporting templates for all jurisdictions
|
||||
- Ad-hoc analytics support (unlimited requests with 24-hour SLA for standard, 4-hour for urgent)
|
||||
- Industry benchmarking against top 50 global reinsurers
|
||||
- Catastrophe exposure and PML reporting
|
||||
- Predictive analytics and scenario modeling consultation (bi-weekly sessions)
|
||||
- Embedded actuarial and data science team support
|
||||
|
||||
8. **Catastrophe Response:**
|
||||
- Dedicated CAT war room activation during major events
|
||||
- Real-time loss estimation and exposure reporting
|
||||
- Claims projections and reserve recommendations
|
||||
- Cedent outreach and data collection coordination
|
||||
- Retrocessional recovery tracking
|
||||
- Post-CAT analysis and lessons learned
|
||||
- Annual CAT preparedness exercises and disaster recovery testing
|
||||
|
||||
9. **Regulatory and Compliance Support:**
|
||||
- Quarterly compliance reviews for all operating jurisdictions
|
||||
- Annual regulatory update briefings
|
||||
- Solvency II and IFRS 17 implementation support
|
||||
- Audit preparation and documentation assistance
|
||||
- Regulatory examination support
|
||||
- Industry association engagement (IAIS, NAIC, EIOPA)
|
||||
|
||||
10. **Continuous Improvement:**
|
||||
- Monthly process optimization sessions
|
||||
- Quarterly efficiency audits with detailed ROI analysis
|
||||
- Best practice sharing from global reinsurance market
|
||||
- Innovation lab partnership for emerging technologies:
|
||||
- Advanced AI and machine learning
|
||||
- Blockchain for smart contracts
|
||||
- Climate science and forward-looking modeling
|
||||
- Cyber risk quantification
|
||||
- Pandemic and systemic risk modeling
|
||||
- Joint research publications and thought leadership
|
||||
- Speaking opportunities at major industry conferences (Monte Carlo Rendez-Vous, Baden-Baden, SIRC)
|
||||
- Participation in industry working groups and standard-setting bodies
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: April 28, 2025
|
||||
|
||||
_________________________________
|
||||
**Sir Charles Pemberton**
|
||||
**Title**: Group Chief Executive Officer
|
||||
**GlobalRe Partners International, Ltd.**
|
||||
**Date**: April 28, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement establishes GlobalRe Partners as Insurellm's flagship enterprise reinsurance partner, representing the most comprehensive and strategic partnership in Insurellm's history. This collaboration will drive innovation in reinsurance technology, catastrophe modeling, climate risk analytics, and AI-powered underwriting, setting new standards for the global reinsurance industry. This contract supersedes all prior agreements and communications.
|
||||
@@ -0,0 +1,121 @@
|
||||
# Contract with Guardian Life Partners for Lifellm
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Agreement Effective Date**: This contract is effective as of March 1, 2025.
|
||||
2. **Duration**: This agreement will remain in effect for a term of 24 months, concluding on February 28, 2027.
|
||||
3. **Subscription Type**: Guardian Life Partners agrees to subscribe to the **Growth Tier** of Lifellm, at a cost of $7,500/month, totaling $180,000 for the duration of this contract.
|
||||
4. **Policy Capacity**: Growth Tier supports up to 10,000 active policies with underwriting for 3,000 new applications annually.
|
||||
5. **Payment Terms**: Payments are due on the 1st of each month via ACH transfer. Late payments incur a 1.5% monthly penalty.
|
||||
6. **User Licenses**: Contract includes 25 named user licenses (underwriters, administrators, agents). Additional licenses: $120/month per user.
|
||||
7. **Termination Clause**: Either party may terminate with 60 days' written notice. Early termination before month 12 requires payment of 30% of remaining contract value.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This agreement will automatically renew for an additional 24-month term unless either party provides written notice of non-renewal at least 60 days before expiration.
|
||||
2. **Price Protection**: Pricing increases capped at 7% annually for first two renewals.
|
||||
3. **Enterprise Upgrade**: If Guardian upgrades to Enterprise tier at renewal, receives 12% discount on incremental cost for first renewal period.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
1. **Access to Growth Tier Features**: Guardian Life Partners will have comprehensive access to:
|
||||
- AI-Powered Underwriting with accelerated decision-making (60% of applications instant decision)
|
||||
- Predictive Risk Modeling with machine learning mortality analysis
|
||||
- **Digital Health Integration** with wearables and health tracking apps (Fitbit, Apple Health, Garmin)
|
||||
- Automated Policy Management with full policy lifecycle support
|
||||
- Smart Document Processing with medical record analysis
|
||||
- Customer Portal with policyholder self-service
|
||||
- Compliance Automation across all 50 states
|
||||
- **Advanced Reporting** with predictive analytics
|
||||
|
||||
2. **Digital Health Features:**
|
||||
- Wearable device integration for wellness programs
|
||||
- Activity tracking and health score calculation
|
||||
- Premium discount automation based on health behaviors
|
||||
- Wellness challenge campaigns
|
||||
- Health goal tracking and rewards management
|
||||
|
||||
3. **Advanced Underwriting:**
|
||||
- Automated underwriting for face amounts up to $500,000
|
||||
- Accelerated underwriting (no medical exam) for qualified applicants
|
||||
- Predictive models trained on 10M+ life insurance applications
|
||||
- Risk stratification and pricing optimization
|
||||
- Decline rescue recommendations
|
||||
|
||||
4. **Agent Portal:**
|
||||
- Agent-facing tools for 200+ independent agents
|
||||
- Real-time application status tracking
|
||||
- Commission calculation and reporting
|
||||
- E-application with digital signature
|
||||
- Marketing materials and quote tools
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
1. **Technical Support**: Guardian Life Partners will receive enhanced support:
|
||||
- Priority support line Monday-Friday 7 AM - 8 PM EST
|
||||
- Email and chat support with 6-hour response time for critical issues
|
||||
- Dedicated support engineer for complex integrations
|
||||
- 24/7 emergency hotline for system outages
|
||||
|
||||
2. **Training**: Comprehensive training program:
|
||||
- Initial onboarding (4 weeks) for up to 20 staff members (40 hours total)
|
||||
- Role-specific training: underwriters, administrators, IT, agents
|
||||
- Quarterly product update webinars
|
||||
- Annual certification program for underwriters
|
||||
- Access to online learning platform with 30+ courses
|
||||
- Train-the-trainer program for agent network
|
||||
|
||||
3. **Updates and Maintenance**:
|
||||
- Monthly platform updates with new features
|
||||
- Bi-weekly security enhancements
|
||||
- Maintenance windows: Saturday 11 PM - Sunday 3 AM EST
|
||||
- 72-hour advance notice for major updates
|
||||
- Dedicated staging environment for testing updates
|
||||
|
||||
4. **Account Management**:
|
||||
- Named Customer Success Manager with bi-weekly check-ins
|
||||
- Quarterly business reviews with metrics analysis
|
||||
- Annual strategic planning session
|
||||
- Direct escalation path to Director of Customer Success
|
||||
- Industry benchmarking reports
|
||||
|
||||
5. **Integration Support**: Technical assistance for integrating Lifellm with:
|
||||
- Guardian's policy administration system (iPipeline, VPAS, or custom)
|
||||
- Agent management system (Salesforce, Applied Systems)
|
||||
- Medical data providers (MIB, Milliman IntelliScript, ExamOne)
|
||||
- Payment processing and billing systems
|
||||
- CRM and marketing automation platforms
|
||||
|
||||
6. **Wellness Program Support:**
|
||||
- Assistance designing wellness initiatives
|
||||
- Health program configuration and gamification
|
||||
- Marketing templates for wellness campaigns
|
||||
- Best practices from other carriers' successful programs
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Michael Torres**
|
||||
**Title**: Chief Revenue Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: March 1, 2025
|
||||
|
||||
_________________________________
|
||||
**Jonathan Park**
|
||||
**Title**: President & CEO
|
||||
**Guardian Life Partners**
|
||||
**Date**: March 1, 2025
|
||||
|
||||
---
|
||||
|
||||
*This contract establishes Guardian Life Partners as a strategic partner leveraging Lifellm's advanced AI underwriting and digital health integration to modernize life insurance operations.*
|
||||
@@ -0,0 +1,152 @@
|
||||
# Contract with Harmony Health Plans for Healthllm
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Agreement Effective Date**: This contract is effective as of January 25, 2025.
|
||||
2. **Duration**: This agreement will remain in effect for a term of 24 months, concluding on January 24, 2027.
|
||||
3. **Subscription Type**: Harmony Health Plans agrees to subscribe to the **Professional Tier** of Healthllm, at a cost of $15,000/month, totaling $360,000 for the duration of this contract.
|
||||
4. **Member Coverage**: Professional Tier supports up to 50,000 covered members. Harmony currently covers 38,000 members across 3 states.
|
||||
5. **Payment Terms**: Payments are due on the 5th of each month via wire transfer. Late payments incur a 2% monthly penalty.
|
||||
6. **User Licenses**: Contract includes 60 named user licenses. Additional licenses available at $150/month per user.
|
||||
7. **Termination Clause**: Either party may terminate with 90 days' written notice. Early termination after month 12 has no penalty; before month 12 requires 25% of remaining contract value.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This agreement will automatically renew for an additional 24-month term unless either party provides written notice of non-renewal at least 90 days before expiration.
|
||||
2. **Price Protection**: Pricing increases capped at 6% annually for first two renewal periods.
|
||||
3. **Volume Discounts**: If member count exceeds 75,000 at renewal, Harmony receives 10% discount on incremental cost.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
1. **Access to Professional Tier Features**: Harmony Health Plans will have comprehensive access to:
|
||||
- Intelligent Plan Design with AI-powered optimization
|
||||
- Real-Time Eligibility Verification with provider network integration
|
||||
- AI-Driven Claims Adjudication with automated processing
|
||||
- **Predictive Healthcare Analytics** for population health management
|
||||
- Provider Network Management with contract optimization
|
||||
- Member Engagement Platform with mobile-first design
|
||||
- **Advanced Medication Management** with PBM integration
|
||||
- Regulatory Compliance Engine with ACA and state mandate tracking
|
||||
- **Enhanced Analytics** with predictive modeling
|
||||
|
||||
2. **Predictive Healthcare Analytics:**
|
||||
- High-risk member identification for care management
|
||||
- Disease progression modeling (diabetes, hypertension, CHF)
|
||||
- Hospital readmission prediction
|
||||
- Emergency department overutilization alerts
|
||||
- Care gap identification for quality measures (HEDIS)
|
||||
- Preventive care intervention recommendations
|
||||
- Cost trend forecasting and budget planning
|
||||
|
||||
3. **Advanced Medication Management:**
|
||||
- Complete formulary management and tier optimization
|
||||
- Prior authorization automation with clinical criteria
|
||||
- Step therapy enforcement
|
||||
- Medication adherence scoring and intervention triggers
|
||||
- Drug interaction checking with severity classification
|
||||
- Generic substitution recommendations with savings calculations
|
||||
- Specialty pharmacy management
|
||||
- Medication therapy management (MTM) program support
|
||||
|
||||
4. **Value-Based Care Tools:**
|
||||
- ACO (Accountable Care Organization) performance tracking
|
||||
- Shared savings calculation
|
||||
- Quality measure monitoring (HEDIS, STAR ratings)
|
||||
- Provider pay-for-performance scorecards
|
||||
- Risk adjustment and HCC coding support
|
||||
|
||||
5. **Care Management Platform:**
|
||||
- Case management workflows for high-cost members
|
||||
- Disease management program support
|
||||
- Care coordinator tools and dashboards
|
||||
- Member outreach campaign management
|
||||
- Social determinants of health (SDOH) screening
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
1. **Technical Support**: Harmony Health Plans will receive priority support:
|
||||
- Dedicated support team available 24/7 for critical issues
|
||||
- Standard support Monday-Saturday 6 AM - 9 PM EST
|
||||
- Response time: 4 hours for critical, 8 hours for high priority, 24 hours for standard
|
||||
- Named technical support engineer familiar with Harmony's environment
|
||||
- Private support portal with ticket tracking
|
||||
|
||||
2. **Training**: Comprehensive training program:
|
||||
- 6-week implementation with dedicated project manager
|
||||
- Training for up to 40 staff members (60 hours total training)
|
||||
- Role-specific tracks: claims processors, case managers, provider relations, IT, executives
|
||||
- Quarterly advanced training webinars
|
||||
- Annual refresher certification program
|
||||
- Unlimited access to online learning platform with 75+ courses
|
||||
- Custom training materials for Harmony's specific workflows
|
||||
|
||||
3. **Updates and Maintenance**:
|
||||
- Monthly platform updates with new features and enhancements
|
||||
- Bi-weekly security patches and bug fixes
|
||||
- Regulatory updates as healthcare laws change (ACA, state mandates)
|
||||
- Maintenance windows: Saturday 10 PM - Sunday 3 AM EST
|
||||
- 96-hour advance notice for major updates
|
||||
- Staging environment for testing updates before production
|
||||
|
||||
4. **Account Management**:
|
||||
- Named Senior Customer Success Manager with bi-weekly check-ins
|
||||
- Quarterly executive business reviews with ROI analysis
|
||||
- Annual strategic planning session with product roadmap preview
|
||||
- Direct escalation path to VP of Customer Success
|
||||
- Industry benchmarking reports comparing Harmony to similar plans
|
||||
|
||||
5. **Integration Support**: Comprehensive integration assistance:
|
||||
- Integration with Harmony's core systems:
|
||||
- HealthRules policy administration system
|
||||
- Provider credentialing platform
|
||||
- Express Scripts PBM
|
||||
- Availity clearinghouse for claims
|
||||
- Member portal and mobile app
|
||||
- Salesforce CRM
|
||||
- Dedicated integration specialist (30% FTE allocation)
|
||||
- Quarterly integration health checks and optimization
|
||||
- API monitoring and performance tuning
|
||||
|
||||
6. **Analytics and Reporting:**
|
||||
- Custom dashboard development (up to 10 dashboards)
|
||||
- Automated reporting suite (daily, weekly, monthly, quarterly)
|
||||
- Ad-hoc analytics requests (up to 15 per month)
|
||||
- Predictive modeling consultation (monthly sessions)
|
||||
- Benchmark reports against regional health plans
|
||||
- Data export capabilities in multiple formats
|
||||
|
||||
7. **Compliance and Regulatory Support:**
|
||||
- Quarterly compliance reviews
|
||||
- Annual HIPAA security risk assessment
|
||||
- ACA reporting assistance (1094/1095 forms, MLR reporting)
|
||||
- State filing support for form and rate approvals
|
||||
- Quality measure calculation support (HEDIS, STAR)
|
||||
- Audit preparation and documentation assistance
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Sarah Chen**
|
||||
**Title**: Vice President of Sales
|
||||
**Insurellm, Inc.**
|
||||
**Date**: January 25, 2025
|
||||
|
||||
_________________________________
|
||||
**Dr. Karen Phillips**
|
||||
**Title**: President & Chief Executive Officer
|
||||
**Harmony Health Plans**
|
||||
**Date**: January 25, 2025
|
||||
|
||||
---
|
||||
|
||||
*This contract establishes Harmony Health Plans as a strategic partner leveraging Healthllm's advanced AI and predictive analytics to improve member outcomes while managing costs effectively.*
|
||||
@@ -0,0 +1,100 @@
|
||||
# Contract with Heritage Life Assurance for Lifellm
|
||||
|
||||
**Contract Date:** February 12, 2025
|
||||
**Contract Number:** LF-2025-0045
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Parties Involved**: This contract is entered into between Insurellm, Inc. ("Provider") and Heritage Life Assurance ("Client").
|
||||
|
||||
2. **Scope of Services**: Provider agrees to deliver Lifellm Growth Tier, including AI-powered underwriting, predictive risk modeling, digital health integration, and policy management capabilities.
|
||||
|
||||
3. **Payment Terms**: Client shall pay $7,500 per month for 18 months. Total contract value: $135,000. Payments due on the 1st via ACH.
|
||||
|
||||
4. **Policy Volume**: Growth Tier supports up to 10,000 active policies. Heritage currently administers 6,200 policies.
|
||||
|
||||
5. **Contract Duration**: 18 months commencing February 12, 2025 and ending August 11, 2026.
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This agreement automatically renews for 12-month terms unless either party provides 45-day written notice of non-renewal.
|
||||
|
||||
2. **Renewal Pricing**: Pricing adjustments communicated 75 days prior to renewal, capped at 8% annual increase.
|
||||
|
||||
## Features
|
||||
|
||||
1. **AI-Powered Underwriting**: Heritage Life Assurance will benefit from:
|
||||
- Accelerated underwriting with 65% instant decisions
|
||||
- Medical record analysis and risk scoring
|
||||
- Mortality prediction models
|
||||
- Automated decisioning for face amounts up to $750,000
|
||||
|
||||
2. **Predictive Risk Modeling**: Advanced analytics considering:
|
||||
- Comprehensive medical histories
|
||||
- Prescription drug databases
|
||||
- Lifestyle and occupation factors
|
||||
- Family history and genetic markers
|
||||
- Predictive health trajectories
|
||||
|
||||
3. **Digital Health Integration**:
|
||||
- Wearable device connections (Fitbit, Apple Watch)
|
||||
- Health app integrations
|
||||
- Wellness program platform
|
||||
- Premium discount automation
|
||||
- Activity tracking and rewards
|
||||
|
||||
4. **Automated Policy Management**:
|
||||
- Digital policy issuance
|
||||
- Beneficiary updates and management
|
||||
- Premium billing integration
|
||||
- Policy conversion processing
|
||||
- Lapse and reinstatement automation
|
||||
|
||||
5. **Customer Portal**: Policyholder self-service including:
|
||||
- 24/7 policy access
|
||||
- Digital insurance cards
|
||||
- Claims submission
|
||||
- Premium payment processing
|
||||
- Coverage updates
|
||||
|
||||
6. **Advanced Reporting**:
|
||||
- Application conversion analytics
|
||||
- Underwriting productivity metrics
|
||||
- Policy persistency reporting
|
||||
- Agent performance dashboards
|
||||
|
||||
## Support
|
||||
|
||||
1. **Technical Support**: Heritage will receive priority support:
|
||||
- Monday-Friday 7 AM - 7 PM EST
|
||||
- Email, phone, and chat support
|
||||
- 8-hour response time for critical issues
|
||||
- Online knowledge base
|
||||
|
||||
2. **Training**: Training program includes:
|
||||
- 3-week implementation
|
||||
- Training for up to 15 staff members (25 hours)
|
||||
- Quarterly webinars on platform updates
|
||||
- Online training library access
|
||||
|
||||
3. **Updates**: Monthly platform enhancements and security patches. Maintenance windows: Sunday 1 AM - 5 AM EST.
|
||||
|
||||
4. **Account Management**: Named customer success manager with quarterly business reviews.
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
**Insurellm, Inc.**
|
||||
Michael Torres, Chief Revenue Officer
|
||||
Date: February 12, 2025
|
||||
|
||||
**Heritage Life Assurance**
|
||||
Melissa Zhang, VP of Operations
|
||||
Date: February 12, 2025
|
||||
|
||||
---
|
||||
|
||||
This contract enables Heritage Life Assurance to leverage Lifellm's AI technology for modernized life insurance underwriting and administration.
|
||||
@@ -0,0 +1,199 @@
|
||||
# Contract with Metropolitan Life Group for Lifellm
|
||||
|
||||
**Contract Date:** April 5, 2025
|
||||
**Contract Number:** LF-2025-E-0087
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- Metropolitan Life Group, Inc.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide Metropolitan Life Group with enterprise access to the Lifellm platform, including white-label capabilities, full customization, dedicated support, and enterprise-grade security for their nationwide life insurance operations managing 50,000+ active policies.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 36 months from the contract date, representing a strategic long-term partnership.
|
||||
|
||||
3. **Payment:** Metropolitan Life Group shall pay custom Enterprise Tier pricing of $28,000 per month for months 1-12, $30,500 per month for months 13-24, and $33,000 per month for months 25-36, totaling $1,098,000 over the contract term.
|
||||
|
||||
4. **Service Level Agreement:** Insurellm guarantees 99.9% uptime measured monthly, with 10% monthly credit for each 0.1% below target, maximum 30% credit.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding AI algorithms, underwriting models, policyholder data, and strategic initiatives.
|
||||
|
||||
6. **Data Security:** Insurellm commits to maintaining HIPAA compliance, SOC 2 Type II certification, and annual third-party security audits.
|
||||
|
||||
7. **Disaster Recovery:** 4-hour recovery time objective (RTO) and 30-minute recovery point objective (RPO).
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a mutual 90-day renewal notice period. Metropolitan Life Group receives guaranteed enterprise pricing at or below market rates for renewal. Contract may be extended in 12 or 24-month increments with mutual agreement.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
Metropolitan Life Group will receive the complete Lifellm Enterprise suite:
|
||||
|
||||
1. **Unlimited Policy Administration:** No capacity restrictions, supporting Metropolitan's 50,000+ active policies with scalability to 200,000+ as business expands.
|
||||
|
||||
2. **White-Label Platform:** Complete branding customization:
|
||||
- Custom domains (life.metropolitanlifegroup.com)
|
||||
- Branded mobile apps (iOS and Android) with custom UI/UX
|
||||
- Customized email templates and policyholder communications
|
||||
- Co-branded agent portals and marketing materials
|
||||
|
||||
3. **Advanced AI Underwriting:** State-of-the-art underwriting capabilities:
|
||||
- Instant decisioning for 75% of applications up to $1M face amount
|
||||
- Predictive mortality models trained on 50M+ data points
|
||||
- Genetic risk assessment integration (when legally permitted)
|
||||
- Accelerated underwriting with no medical exam for qualified applicants
|
||||
- Alternative data sources (social media, financial, education)
|
||||
|
||||
4. **Comprehensive Digital Health Integration:**
|
||||
- Wearable integrations: Apple Watch, Fitbit, Garmin, Oura Ring, Whoop
|
||||
- Health app integrations: Apple Health, Google Fit, MyFitnessPal
|
||||
- Biometric screening integration with Quest Diagnostics, LabCorp
|
||||
- Wellness program platform with challenges, rewards, gamification
|
||||
- Premium discount automation based on verified health behaviors
|
||||
- Long-term health trajectory modeling
|
||||
|
||||
5. **Complete API Access:** Unlimited API calls supporting:
|
||||
- Real-time integration with Metropolitan's core policy admin system
|
||||
- Agent management system synchronization
|
||||
- Third-party data provider integrations (MIB, IntelliScript, ExamOne, Clareto, Lifescore)
|
||||
- Custom workflow automation
|
||||
- Data warehouse bidirectional sync
|
||||
|
||||
6. **Predictive Analytics Suite:**
|
||||
- Lapse and persistency prediction modeling
|
||||
- Cross-sell and upsell opportunity identification
|
||||
- Agent productivity analytics and optimization
|
||||
- Competitive positioning and market share analysis
|
||||
- Lifetime value prediction for policyholders
|
||||
|
||||
7. **Advanced Policy Management:**
|
||||
- Automatic premium loan processing
|
||||
- Policy conversion and exchange support
|
||||
- Dividend calculation and distribution (whole life)
|
||||
- Non-forfeiture options automation
|
||||
- Reinstatement processing with re-underwriting
|
||||
- Settlement options administration
|
||||
|
||||
8. **Agent Network Platform:**
|
||||
- Support for 5,000+ independent agents and career agents
|
||||
- Hierarchical permissions and agency structures
|
||||
- Real-time commission calculation and reporting
|
||||
- Advanced quoting engine with need analysis tools
|
||||
- Automated licensing and appointment tracking
|
||||
- Agent recruiting and onboarding workflows
|
||||
|
||||
9. **Regulatory and Compliance:**
|
||||
- 50-state compliance monitoring and form filing
|
||||
- Automated NAIC reporting
|
||||
- AML (Anti-Money Laundering) screening integration
|
||||
- OFAC (Office of Foreign Assets Control) checking
|
||||
- Escheatment and unclaimed property tracking
|
||||
- Audit trail and compliance reporting
|
||||
|
||||
10. **Blockchain Policy Verification:**
|
||||
- Immutable policy records on private blockchain
|
||||
- Fraud prevention through distributed ledger
|
||||
- Beneficiary verification and claims authentication
|
||||
- Regulatory audit transparency
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for Metropolitan Life Group:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Executive sponsor (C-suite level) with quarterly strategic reviews
|
||||
- Dedicated Customer Success Director with weekly touchpoints
|
||||
- Technical Account Manager for system optimization
|
||||
- Solutions Architect for ongoing innovation projects
|
||||
- Quarterly executive business reviews with CEO participation
|
||||
|
||||
2. **24/7/365 Premium Support:**
|
||||
- Guaranteed 15-minute response for P1 critical issues
|
||||
- 1-hour response for P2 high-priority issues
|
||||
- 4-hour response for P3 standard issues
|
||||
- Named support team familiar with Metropolitan's environment
|
||||
- Private Slack channel with engineering team access
|
||||
- Annual on-site support visits (minimum 6 per year)
|
||||
|
||||
3. **Comprehensive Implementation:**
|
||||
- 12-month phased implementation program with 3 major releases
|
||||
- Dedicated project management office (PMO) with weekly steering committee
|
||||
- Migration of 50,000+ existing policies from legacy system
|
||||
- Training for 150+ Metropolitan staff and 500+ top-producing agents
|
||||
- Parallel processing with legacy system for 90 days
|
||||
- Go-live support with 8-week on-site Insurellm team presence
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Comprehensive training programs for all roles
|
||||
- Executive briefings on AI and technology trends
|
||||
- Train-the-trainer certification program
|
||||
- Annual user conference attendance (5 attendees, all expenses paid)
|
||||
- Quarterly advanced training sessions
|
||||
- Unlimited online learning platform access
|
||||
- Custom training content development
|
||||
|
||||
5. **Custom Development:**
|
||||
- 2,000 hours annually of custom development included
|
||||
- Dedicated development team for Metropolitan-specific features
|
||||
- Priority feature requests with guaranteed roadmap inclusion
|
||||
- Early access to beta features (90 days before general release)
|
||||
- Joint innovation projects and co-development opportunities
|
||||
- Input into product strategy and 3-year roadmap
|
||||
|
||||
6. **Integration Services:**
|
||||
- Enterprise integration with Metropolitan's systems:
|
||||
- iPipeline policy administration
|
||||
- Salesforce CRM and agent management
|
||||
- DocuSign for digital signatures
|
||||
- Multiple payment processors
|
||||
- Data warehouse (Snowflake)
|
||||
- BI platforms (Tableau, PowerBI)
|
||||
- Dedicated integration engineer (50% FTE)
|
||||
- Quarterly integration health assessments
|
||||
- Performance optimization and load testing
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom executive dashboard development (unlimited)
|
||||
- Real-time operational dashboards
|
||||
- Automated reporting suite (daily, weekly, monthly, quarterly, annual)
|
||||
- Ad-hoc analytics support (unlimited requests)
|
||||
- Industry benchmarking against top 50 life insurers
|
||||
- Predictive modeling consultation (quarterly sessions)
|
||||
- Data science partnership for advanced analytics projects
|
||||
|
||||
8. **Continuous Improvement:**
|
||||
- Monthly process optimization reviews
|
||||
- Semi-annual efficiency audits with ROI analysis
|
||||
- Best practice sharing and peer learning opportunities
|
||||
- Innovation lab access for emerging technologies (AI, blockchain, quantum computing)
|
||||
- Joint whitepapers and case studies
|
||||
- Speaking opportunities at industry conferences
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: April 5, 2025
|
||||
|
||||
_________________________________
|
||||
**Richard Thompson**
|
||||
**Title**: Chairman & Chief Executive Officer
|
||||
**Metropolitan Life Group, Inc.**
|
||||
**Date**: April 5, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement establishes Metropolitan Life Group as Insurellm's flagship enterprise life insurance partner, representing a strategic partnership to transform life insurance through cutting-edge AI technology and innovation. This contract supersedes all prior agreements and communications.
|
||||
@@ -0,0 +1,182 @@
|
||||
# Contract with National Claims Network for Claimllm
|
||||
|
||||
**Contract Date:** April 20, 2025
|
||||
**Contract Number:** CL-2025-E-0198
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- National Claims Network Corp.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide National Claims Network with enterprise access to the Claimllm platform, including white-label capabilities, unlimited claims capacity, advanced fraud analytics, and dedicated infrastructure to support their nationwide claims operations processing over 100,000 claims annually.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 36 months from the contract date, representing Insurellm's longest-term contract commitment to date.
|
||||
|
||||
3. **Payment:** National Claims Network shall pay custom Enterprise Tier pricing of $35,000 per month for months 1-12, $38,000 per month for months 13-24, and $41,000 per month for months 25-36, totaling $1,368,000 over the contract term.
|
||||
|
||||
4. **Service Level Agreement:** Insurellm guarantees 99.95% uptime with financial credits for downtime: 5% monthly credit for each hour of unplanned downtime, maximum 50% monthly credit.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding proprietary AI models, fraud detection algorithms, claimant PII, and business strategies.
|
||||
|
||||
6. **Data Security:** Insurellm commits to maintaining SOC 2 Type II compliance, annual penetration testing, and end-to-end encryption for all data at rest and in transit.
|
||||
|
||||
7. **Business Continuity:** Insurellm provides disaster recovery with 4-hour RTO (Recovery Time Objective) and 1-hour RPO (Recovery Point Objective).
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a mutual 120-day renewal notice period. National Claims Network receives guaranteed enterprise pricing for renewal equal to or better than new enterprise customers at renewal time. Contract may be extended in 12-month increments with mutual written agreement.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
National Claims Network will receive the complete Claimllm Enterprise suite:
|
||||
|
||||
1. **Unlimited Claims Processing:** No volume restrictions, supporting National's processing of 100,000+ claims annually with scalability to 500,000+ claims as business grows.
|
||||
|
||||
2. **White-Label Platform:** Complete branding customization including:
|
||||
- Custom domain names (claims.nationalclaimsnetwork.com)
|
||||
- Branded mobile apps (iOS and Android)
|
||||
- Customized email templates and communications
|
||||
- Co-branded claimant portals
|
||||
|
||||
3. **Advanced Computer Vision:** State-of-the-art damage assessment:
|
||||
- Auto damage analysis with 95%+ accuracy on repair estimates
|
||||
- Property damage evaluation (roofs, siding, interiors, water damage)
|
||||
- Medical imaging analysis for injury claims
|
||||
- 3D reconstruction from photo sets
|
||||
- Integration with all major estimating platforms
|
||||
|
||||
4. **Enterprise Fraud Analytics:**
|
||||
- Real-time fraud scoring on all claims
|
||||
- Social network analysis across 10+ years of historical data
|
||||
- Dark web monitoring for organized fraud rings
|
||||
- Predictive models trained on 5M+ historical claims
|
||||
- Link analysis connecting related parties, addresses, and claims patterns
|
||||
- Integration with third-party fraud databases (NICB, ISO ClaimSearch)
|
||||
|
||||
5. **Complete API Access:** Unlimited API calls supporting:
|
||||
- Real-time integrations with 50+ carrier policy systems
|
||||
- Bi-directional data sync with National's data warehouse
|
||||
- Third-party integrations (repair networks, medical providers, legal vendors)
|
||||
- Custom automation workflows
|
||||
|
||||
6. **AI-Powered Litigation Prediction:** Predictive analytics identifying claims with high litigation probability:
|
||||
- Attorney involvement prediction (85%+ accuracy)
|
||||
- Recommended settlement ranges based on jurisdiction and case law
|
||||
- Early intervention recommendations
|
||||
- Litigation cost estimation
|
||||
|
||||
7. **Catastrophe Claims Management:** Specialized tools for major events:
|
||||
- Rapid deployment playbooks for natural disasters
|
||||
- Geographic clustering and resource allocation
|
||||
- Emergency vendor network activation
|
||||
- Real-time damage assessment using satellite imagery
|
||||
- Mobile claims units with offline capability
|
||||
|
||||
8. **Advanced Vendor Management:**
|
||||
- Network of 5,000+ preferred vendors nationwide
|
||||
- AI-powered vendor matching and assignment
|
||||
- Real-time capacity management and scheduling
|
||||
- Quality scoring and performance analytics
|
||||
- Automated vendor payments and 1099 management
|
||||
|
||||
9. **Predictive Analytics Suite:**
|
||||
- Claim outcome prediction and reserve optimization
|
||||
- Subrogation opportunity identification
|
||||
- Salvage value estimation
|
||||
- Customer satisfaction prediction and intervention triggers
|
||||
- Cycle time optimization recommendations
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for National Claims Network:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Executive sponsor (VP level) with monthly strategic reviews
|
||||
- Dedicated Customer Success Manager with daily availability
|
||||
- Technical Account Manager for system optimization
|
||||
- Solutions Architect for ongoing innovation
|
||||
- Quarterly executive business reviews with CEO participation
|
||||
|
||||
2. **24/7/365 Premium Support:**
|
||||
- Guaranteed 10-minute response time for P1 critical issues
|
||||
- 30-minute response for P2 high-priority issues
|
||||
- 2-hour response for P3 standard issues
|
||||
- Dedicated support hotline with no phone tree
|
||||
- Private Slack channel with engineering team access
|
||||
- Annual on-site support visits (minimum 4 per year)
|
||||
|
||||
3. **Comprehensive Implementation:**
|
||||
- 9-month phased implementation program
|
||||
- Dedicated project management office (PMO)
|
||||
- Executive steering committee with monthly meetings
|
||||
- Migration of 3 years of historical claims data
|
||||
- Training for 200+ National Claims Network staff
|
||||
- Parallel processing period with legacy system
|
||||
- Go-live support with on-site Insurellm team (4 weeks)
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Role-based training programs (adjusters, supervisors, fraud investigators, IT, executives)
|
||||
- Train-the-trainer program for National's learning team
|
||||
- Certification programs with continuing education credits
|
||||
- Annual user conference attendance (3 attendees)
|
||||
- Quarterly advanced training sessions
|
||||
- Unlimited access to online learning platform
|
||||
|
||||
5. **Custom Development:**
|
||||
- 1,000 hours annually of custom development included
|
||||
- Dedicated development team for National-specific features
|
||||
- Priority feature requests with guaranteed roadmap inclusion
|
||||
- Beta program participation for all new features
|
||||
- Input into product strategy and direction
|
||||
|
||||
6. **Integration Services:**
|
||||
- Enterprise integration with National's systems:
|
||||
- Policy administration systems (multiple carriers)
|
||||
- Data warehouse and business intelligence platforms
|
||||
- Financial systems (SAP, Oracle)
|
||||
- Document management (SharePoint, M-Files)
|
||||
- Communication platforms (Twilio, SendGrid)
|
||||
- Ongoing integration support with 4-hour response SLA
|
||||
- Quarterly integration health assessments
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom executive dashboard development
|
||||
- Real-time operational dashboards
|
||||
- Automated daily, weekly, and monthly reporting
|
||||
- Ad-hoc analytics support (up to 20 requests/month)
|
||||
- Industry benchmarking and competitive analysis
|
||||
- Predictive modeling consultation
|
||||
|
||||
8. **Continuous Improvement:**
|
||||
- Quarterly process optimization workshops
|
||||
- Annual efficiency audits with recommendations
|
||||
- Best practice sharing from across Insurellm customer base
|
||||
- Innovation labs to pilot emerging technologies (AI, blockchain, IoT)
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: April 20, 2025
|
||||
|
||||
_________________________________
|
||||
**Amanda Richardson**
|
||||
**Title**: President & Chief Operating Officer
|
||||
**National Claims Network Corp.**
|
||||
**Date**: April 20, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement represents a strategic partnership between Insurellm and National Claims Network, establishing National Claims Network as Insurellm's flagship enterprise claims processing partner. This contract supersedes all prior agreements and communications.
|
||||
@@ -0,0 +1,123 @@
|
||||
# Contract with Premier Adjusters Inc. for Claimllm
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Agreement Effective Date**: This contract is effective as of February 15, 2025.
|
||||
2. **Duration**: This agreement will remain in effect for a term of 24 months, concluding on February 14, 2027.
|
||||
3. **Subscription Type**: Premier Adjusters Inc. agrees to subscribe to the **Advanced Tier** of Claimllm, at a cost of $9,500/month, totaling $228,000 for the duration of this contract.
|
||||
4. **Claims Volume**: Advanced Tier supports up to 25,000 claims annually. Current baseline estimate: 18,000 claims/year.
|
||||
5. **Payment Terms**: Payments are due on the 5th of each month via wire transfer. Late payments will incur a penalty of 1.8% per month.
|
||||
6. **Performance Guarantees**: Insurellm guarantees average FNOL-to-assignment time of less than 2 hours, and fraud detection accuracy of 85%+ on confirmed fraud cases.
|
||||
7. **Termination Clause**: Either party may terminate this agreement with 60 days' written notice. No early termination fees after 12 months.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
1. **Automatic Renewal**: This agreement will automatically renew for an additional 24-month term unless either party provides written notice of non-renewal at least 60 days before expiration.
|
||||
2. **Pricing Adjustments**: Renewal pricing subject to annual CPI adjustment, maximum 7% increase.
|
||||
3. **Tier Flexibility**: Premier may move to Enterprise tier at renewal or annually with 45 days' notice and prorated adjustment.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
1. **Access to Advanced Tier Features**: Premier Adjusters Inc. will have access to comprehensive claims automation:
|
||||
- Intelligent FNOL Processing across all communication channels
|
||||
- Automated Triage and Routing with ML-based severity assessment
|
||||
- **Computer Vision Damage Assessment** with photo/video analysis and automated repair cost estimation
|
||||
- **Predictive Fraud Detection** with network analysis and anomaly detection
|
||||
- Smart Document Processing with OCR, NLP, and auto-extraction from medical records, police reports, and estimates
|
||||
- Dynamic Reserve Setting with AI-powered predictive modeling
|
||||
- Vendor Management Platform with automated assignment and performance tracking
|
||||
- Payment Automation for approved claims with multi-party splitting
|
||||
- Claimant Communication Hub with omnichannel messaging
|
||||
- **Advanced Analytics** with predictive cycle time modeling and settlement optimization
|
||||
|
||||
2. **Computer Vision Capabilities:**
|
||||
- Automated vehicle damage assessment from photos (dents, scratches, structural damage)
|
||||
- Property damage evaluation (roof, siding, interior damage)
|
||||
- Severity scoring and repair cost estimation
|
||||
- Parts identification and replacement recommendations
|
||||
- Integration with estimating systems (CCC, Mitchell, Audatex)
|
||||
|
||||
3. **Fraud Analytics:**
|
||||
- Social network analysis to identify claim rings
|
||||
- Geospatial anomaly detection
|
||||
- Behavioral pattern matching against known fraud indicators
|
||||
- Third-party data enrichment (public records, social media)
|
||||
- Predictive fraud scoring with explanation rationale
|
||||
|
||||
4. **Vendor Network:**
|
||||
- Support for 200+ preferred vendors (repair shops, medical providers, attorneys)
|
||||
- Automated work assignment based on location, capacity, and quality scores
|
||||
- Real-time vendor availability and scheduling
|
||||
- Vendor performance dashboards and scorecards
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
1. **Technical Support**: Premier Adjusters Inc. will receive priority advanced support:
|
||||
- Dedicated technical support team
|
||||
- 24/7 emergency hotline for critical system issues
|
||||
- Response time: 2 hours critical, 6 hours high priority, 12 hours standard
|
||||
- Dedicated Slack channel for real-time communication
|
||||
|
||||
2. **Training**: Comprehensive training program:
|
||||
- 4-week implementation with on-site support (first 2 weeks)
|
||||
- Training for up to 40 staff members (adjusters, supervisors, IT)
|
||||
- Role-specific training tracks (FNOL specialists, senior adjusters, fraud investigators)
|
||||
- Monthly advanced training webinars on new features
|
||||
- Annual adjuster certification program
|
||||
- Access to online training portal with 50+ courses
|
||||
|
||||
3. **Updates and Maintenance**:
|
||||
- Monthly platform updates with new features
|
||||
- Bi-weekly security patches and improvements
|
||||
- Maintenance windows: Saturday 11 PM - Sunday 4 AM EST
|
||||
- 72-hour advance notice for major updates
|
||||
- Option to delay non-critical updates by up to 30 days
|
||||
|
||||
4. **Account Management**:
|
||||
- Named Customer Success Manager with weekly check-ins (first 90 days), then bi-weekly
|
||||
- Quarterly executive business reviews with metrics analysis
|
||||
- Annual strategic planning session
|
||||
- Direct escalation path to VP of Customer Success
|
||||
|
||||
5. **Integration Services**:
|
||||
- Integration with Premier's core systems:
|
||||
- Guidewire ClaimCenter
|
||||
- Salesforce CRM
|
||||
- DocuSign for settlement documents
|
||||
- Payment processing systems (CheckFree, AvidXchange)
|
||||
- Custom API development (up to 100 hours included)
|
||||
- Ongoing integration support and optimization
|
||||
|
||||
6. **Data and Analytics:**
|
||||
- Custom dashboard development (up to 5 dashboards)
|
||||
- Monthly data exports in preferred format
|
||||
- Benchmark comparisons against industry standards
|
||||
- Predictive analytics consultation sessions
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Sarah Chen**
|
||||
**Title**: Vice President of Sales
|
||||
**Insurellm, Inc.**
|
||||
**Date**: February 15, 2025
|
||||
|
||||
_________________________________
|
||||
**David Kowalski**
|
||||
**Title**: President & CEO
|
||||
**Premier Adjusters Inc.**
|
||||
**Date**: February 15, 2025
|
||||
|
||||
---
|
||||
|
||||
*This contract establishes Premier Adjusters Inc. as a strategic partner of Insurellm, leveraging advanced AI-powered claims technology to deliver superior service to their clients while optimizing operational efficiency.*
|
||||
@@ -0,0 +1,137 @@
|
||||
# Contract with Rapid Claims Associates for Claimllm
|
||||
|
||||
**Contract Date:** March 1, 2025
|
||||
**Contract Number:** CL-2025-0063
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- Rapid Claims Associates, LLC
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide Rapid Claims Associates with access to the Claimllm platform, enabling AI-powered claims processing, automated triage, and streamlined claims management across property, casualty, and auto lines.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 12 months from the contract date, with automatic renewal provisions unless terminated with 30-day written notice.
|
||||
|
||||
3. **Payment:** Rapid Claims Associates shall pay a monthly fee of $4,500, due by the 1st of every month for the Core Tier package, supporting up to 5,000 claims annually.
|
||||
|
||||
4. **Overage Fees:** If claims volume exceeds 5,000 annually, overage fees of $0.90 per claim apply, billed quarterly.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain confidentiality of proprietary information, claimant data, and processing methodologies disclosed during this contract.
|
||||
|
||||
6. **Data Ownership:** Rapid Claims Associates retains ownership of all claims data. Insurellm may use anonymized, aggregated data for product improvement.
|
||||
|
||||
7. **Liability:** Insurellm's liability is limited to direct damages not exceeding total fees paid in the preceding 6 months.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
Unless either party provides written notice of termination at least 30 days prior to contract expiration, this agreement automatically renews for successive 12-month terms. Pricing may be adjusted annually with 60 days' advance notice, capped at 10% increase per year.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
Rapid Claims Associates will receive the following Core Tier features:
|
||||
|
||||
1. **Intelligent FNOL Processing:** Multi-channel first notice of loss intake via:
|
||||
- Mobile app integration
|
||||
- Web portal submission
|
||||
- Email parsing with NLP extraction
|
||||
- Phone system integration with IVR
|
||||
- Chatbot-assisted intake
|
||||
|
||||
2. **Automated Triage and Routing:** Machine learning algorithms assess claim severity and complexity to route appropriately:
|
||||
- Low-complexity claims → automated processing
|
||||
- Medium-complexity claims → junior adjuster queue
|
||||
- High-complexity/high-value claims → senior adjuster assignment
|
||||
- Fraud-flagged claims → special investigation unit
|
||||
|
||||
3. **Basic Document Processing:** OCR and NLP extraction from:
|
||||
- Police reports
|
||||
- Repair estimates
|
||||
- Medical bills and records
|
||||
- Witness statements
|
||||
- Photo and video evidence
|
||||
|
||||
4. **Standard Fraud Detection:** Rule-based fraud screening including:
|
||||
- Duplicate claim detection
|
||||
- Unusual pattern identification
|
||||
- Loss location verification
|
||||
- Claimant history review
|
||||
|
||||
5. **Claimant Communication Hub:** Automated status updates via:
|
||||
- SMS text messages
|
||||
- Email notifications
|
||||
- Mobile app push notifications
|
||||
- Scheduled status update intervals
|
||||
|
||||
6. **Basic Reporting:** Standard dashboards tracking:
|
||||
- Claims volume and cycle time
|
||||
- Average settlement amounts
|
||||
- Adjuster productivity metrics
|
||||
- Customer satisfaction scores
|
||||
|
||||
7. **Payment Processing:** Integration with payment systems for:
|
||||
- Direct deposit (ACH)
|
||||
- Check issuance
|
||||
- Digital wallets (PayPal, Venmo)
|
||||
- Simple multi-party splits
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to providing comprehensive support to Rapid Claims Associates:
|
||||
|
||||
1. **Onboarding:** 2-week implementation program including:
|
||||
- System configuration and data migration
|
||||
- Training for up to 10 claims staff members (12 hours total)
|
||||
- Process workflow mapping and optimization
|
||||
- Integration with existing claims management system
|
||||
|
||||
2. **Technical Support:**
|
||||
- Email and phone support Monday-Friday 8 AM - 6 PM EST
|
||||
- Response time: 8 hours for critical issues, 24 hours for standard requests
|
||||
- Online knowledge base and FAQ access
|
||||
- Monthly platform office hours for questions
|
||||
|
||||
3. **Platform Updates:**
|
||||
- Quarterly feature releases with new capabilities
|
||||
- Monthly security patches and bug fixes
|
||||
- Release notes and changelog documentation
|
||||
- Advance notice of breaking changes (minimum 30 days)
|
||||
|
||||
4. **Account Management:**
|
||||
- Named customer success manager
|
||||
- Semi-annual business review meetings
|
||||
- Usage analytics and optimization recommendations
|
||||
- Assistance with tier upgrade evaluation when volume grows
|
||||
|
||||
5. **Integration Support:** Technical assistance connecting Claimllm with:
|
||||
- Existing claims management systems
|
||||
- Policy administration platforms
|
||||
- Vendor management networks (repair shops, medical providers)
|
||||
- Payment processing systems
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Sarah Chen**
|
||||
**Title**: Vice President of Sales
|
||||
**Insurellm, Inc.**
|
||||
**Date**: March 1, 2025
|
||||
|
||||
_________________________________
|
||||
**Marcus Johnson**
|
||||
**Title**: Chief Claims Officer
|
||||
**Rapid Claims Associates, LLC**
|
||||
**Date**: March 1, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement represents the complete understanding between Insurellm and Rapid Claims Associates regarding the Claimllm platform and supersedes any prior communications or agreements.
|
||||
@@ -0,0 +1,250 @@
|
||||
# Contract with SafeHaven Property Insurance for Homellm
|
||||
|
||||
**Contract Date:** May 3, 2025
|
||||
**Contract Number:** HM-2025-E-0112
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- SafeHaven Property Insurance, Inc.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide SafeHaven Property Insurance with enterprise access to the Homellm platform, including white-label capabilities, unlimited policies, dedicated infrastructure, and comprehensive IoT integration for their property insurance operations.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 36 months from the contract date.
|
||||
|
||||
3. **Payment:** SafeHaven Property Insurance shall pay custom Enterprise Tier pricing of $22,000 per month for months 1-12, $24,000 per month for months 13-24, and $26,000 per month for months 25-36, totaling $864,000 over the contract term.
|
||||
|
||||
4. **Policy Volume**: Enterprise Tier supports unlimited policies. SafeHaven currently has 45,000 active homeowners policies across 6 states.
|
||||
|
||||
5. **Service Level Agreement:** Insurellm guarantees 99.9% platform uptime measured monthly, with 7% monthly credit for each 0.1% below target, maximum 35% monthly credit.
|
||||
|
||||
6. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary algorithms, property data, pricing models, and business strategies.
|
||||
|
||||
7. **Data Security:** Insurellm maintains SOC 2 Type II compliance, ISO 27001 certification, and annual third-party security audits.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a 90-day mutual renewal notice period. SafeHaven receives most-favored-customer pricing and priority access to new features including climate risk modeling and IoT innovations.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
SafeHaven Property Insurance will receive the complete Homellm Enterprise suite:
|
||||
|
||||
1. **Unlimited Policy Administration:** Full support for SafeHaven's 45,000+ policies with scalability to 200,000+ policies as business expands.
|
||||
|
||||
2. **White-Label Platform:** Complete branding customization:
|
||||
- Custom domains (quote.safehavenproperty.com, myhome.safehavenproperty.com)
|
||||
- Branded mobile apps for iOS and Android with custom UI
|
||||
- Customized policyholder communications
|
||||
- Co-branded agent and broker portals
|
||||
|
||||
3. **Advanced AI Risk Assessment:** Enterprise-grade property risk analysis:
|
||||
- Aerial imagery analysis for roof condition, vegetation, and hazards
|
||||
- Property characteristic assessment (age, construction, square footage)
|
||||
- Location-based risk scoring (wildfire, flood, hail, wind, earthquake)
|
||||
- Catastrophe modeling integration (RMS, AIR, CoreLogic)
|
||||
- Replacement cost estimation with inflation trending
|
||||
- Neighborhood risk assessment
|
||||
- Claims history analysis across all carriers
|
||||
- Credit-based insurance scoring
|
||||
|
||||
4. **Dynamic Pricing Model:** Sophisticated pricing engine:
|
||||
- Real-time rate optimization across 200+ rating variables
|
||||
- Competitive intelligence and market positioning
|
||||
- Capacity-based dynamic pricing
|
||||
- Multi-policy bundling discounts
|
||||
- Loyalty and tenure credits
|
||||
- Loss-free discount automation
|
||||
- Telematics and IoT-based discounts
|
||||
|
||||
5. **Instant Claims Processing:** Advanced claims automation:
|
||||
- AI-driven FNOL with photo/video upload
|
||||
- Computer vision damage assessment
|
||||
- Automated repair cost estimation
|
||||
- Contractor network integration with 2,000+ vendors
|
||||
- Claims routing and assignment
|
||||
- Payment automation with multi-party splits
|
||||
- Fraud detection with pattern analysis
|
||||
- Subrogation opportunity identification
|
||||
|
||||
6. **Predictive Maintenance Alerts:** IoT-powered risk prevention:
|
||||
- Integration with smart home devices (water leak sensors, smoke detectors, security systems)
|
||||
- Weather alert system with pre-storm notifications
|
||||
- Freeze warning and pipe burst prevention
|
||||
- Roof deterioration monitoring
|
||||
- HVAC and appliance failure prediction
|
||||
- Wildfire proximity alerts
|
||||
- Proactive policyholder communication to prevent losses
|
||||
|
||||
7. **Multi-Channel Integration:** Unified platform:
|
||||
- Agent portal for 1,500+ independent agents
|
||||
- Direct-to-consumer quoting engine
|
||||
- Broker portal with co-branding
|
||||
- Call center integration
|
||||
- Web and mobile app quoting
|
||||
- Smart home device connectivity
|
||||
|
||||
8. **Customer Portal:** Comprehensive self-service:
|
||||
- 24/7 policy access and document retrieval
|
||||
- Coverage modification requests
|
||||
- Digital insurance cards
|
||||
- Claims submission and tracking
|
||||
- Payment processing and billing history
|
||||
- Smart home device management
|
||||
- Maintenance reminders and home care tips
|
||||
- Disaster preparedness resources
|
||||
|
||||
9. **IoT Device Integration:** Smart home platform:
|
||||
- Water leak detection systems (Flo by Moen, Phyn, LeakSmart)
|
||||
- Smart smoke and CO detectors (Nest Protect, First Alert)
|
||||
- Security systems (Ring, SimpliSafe, ADT)
|
||||
- Smart thermostats (Nest, Ecobee)
|
||||
- Weather stations
|
||||
- Roof monitoring sensors
|
||||
- Premium discounts for IoT adoption (up to 20%)
|
||||
- Real-time alerts and intervention protocols
|
||||
|
||||
10. **Complete API Access:** Unlimited API calls:
|
||||
- Integration with SafeHaven's core systems
|
||||
- Third-party data providers (CoreLogic, Verisk, LexisNexis)
|
||||
- Catastrophe modeling systems
|
||||
- Agent management platforms
|
||||
- Payment processors
|
||||
- Document management systems
|
||||
- Marketing automation
|
||||
|
||||
11. **Multi-State Operations:** Comprehensive support:
|
||||
- State-specific forms and endorsements for all 6 states
|
||||
- Regulatory compliance monitoring
|
||||
- Rate and form filing management
|
||||
- Multi-state licensing tracking
|
||||
- Catastrophe response protocols by state
|
||||
|
||||
12. **Catastrophe Management:** Disaster response tools:
|
||||
- Pre-CAT modeling and exposure management
|
||||
- Real-time storm tracking and impact assessment
|
||||
- CAT claims triage and routing
|
||||
- Mobile claims team dispatch
|
||||
- Vendor surge capacity activation
|
||||
- Policyholder communication campaigns
|
||||
- Emergency payment processing
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for SafeHaven Property Insurance:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- VP-level executive sponsor with quarterly strategic reviews
|
||||
- Senior Customer Success Manager with bi-weekly check-ins
|
||||
- Technical Account Manager for system optimization
|
||||
- Solutions Architect for IoT and innovation projects
|
||||
- Quarterly executive business reviews with detailed metrics
|
||||
|
||||
2. **24/7/365 Premium Support:**
|
||||
- 20-minute response time for P1 critical issues
|
||||
- 1-hour response for P2 high-priority issues
|
||||
- 4-hour response for P3 standard issues
|
||||
- Dedicated support team familiar with SafeHaven's operations
|
||||
- Private Slack channel with engineering access
|
||||
- Emergency CAT response team (15-minute response during disasters)
|
||||
- Quarterly on-site visits (minimum 4 per year)
|
||||
|
||||
3. **Comprehensive Implementation:**
|
||||
- 8-month phased implementation program
|
||||
- Dedicated project manager and PMO
|
||||
- Migration of 45,000 policies from legacy system
|
||||
- Training for 60+ staff members
|
||||
- Agent training program for 200+ top-producing agents
|
||||
- Parallel processing for 90 days
|
||||
- Go-live support with 6-week on-site presence
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Comprehensive role-based training programs
|
||||
- Underwriter certification on AI risk assessment
|
||||
- Claims adjuster training on computer vision tools
|
||||
- IoT device training for customer service reps
|
||||
- Train-the-trainer program for SafeHaven's team
|
||||
- Annual user conference attendance (5 attendees, all expenses)
|
||||
- Monthly advanced training webinars
|
||||
- Unlimited online learning platform access
|
||||
|
||||
5. **Custom Development:**
|
||||
- 1,200 hours annually of custom development
|
||||
- Dedicated development resources for SafeHaven-specific features
|
||||
- Priority feature requests with roadmap inclusion
|
||||
- Beta access to new features 60 days before general release
|
||||
- Joint innovation projects for smart home and IoT
|
||||
- Climate risk modeling enhancements
|
||||
|
||||
6. **Integration Services:**
|
||||
- Enterprise integration with SafeHaven's systems:
|
||||
- Duck Creek policy administration
|
||||
- Applied Epic agency management
|
||||
- Guidewire ClaimCenter
|
||||
- IoT platforms (Nationwide Canopy, Ting, others)
|
||||
- Catastrophe modeling (RMS RiskLink)
|
||||
- Payment processors
|
||||
- Salesforce CRM
|
||||
- Dedicated integration engineer (40% FTE)
|
||||
- Quarterly integration health assessments
|
||||
- Load testing before peak seasons (hurricane, wildfire)
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom dashboard development (up to 20 dashboards)
|
||||
- Real-time operational dashboards for underwriting and claims
|
||||
- Executive dashboards with drill-down analytics
|
||||
- Automated reporting suite (daily, weekly, monthly, quarterly)
|
||||
- Ad-hoc analytics support (25 requests/month)
|
||||
- Industry benchmarking against top property insurers
|
||||
- Catastrophe exposure and aggregation reporting
|
||||
- IoT adoption and loss prevention analytics
|
||||
|
||||
8. **IoT and Innovation Support:**
|
||||
- Quarterly IoT strategy sessions
|
||||
- New smart home device evaluation and integration
|
||||
- Pilot programs for emerging technologies
|
||||
- Consumer education materials for IoT programs
|
||||
- Marketing campaign support for smart home initiatives
|
||||
|
||||
9. **Catastrophe Response:**
|
||||
- Dedicated CAT support during disaster events
|
||||
- Pre-CAT system preparation and testing
|
||||
- Real-time claims surge capacity support
|
||||
- Post-CAT analysis and lessons learned
|
||||
- Annual CAT preparedness drills
|
||||
|
||||
10. **Continuous Improvement:**
|
||||
- Quarterly process optimization workshops
|
||||
- Annual efficiency audits with ROI documentation
|
||||
- Best practice sharing from insurance industry
|
||||
- Innovation lab for climate risk, AI, and IoT
|
||||
- Joint whitepapers and case studies
|
||||
- Speaking opportunities at industry events
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: May 3, 2025
|
||||
|
||||
_________________________________
|
||||
**Laura Mitchell**
|
||||
**Title**: President & Chief Executive Officer
|
||||
**SafeHaven Property Insurance, Inc.**
|
||||
**Date**: May 3, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement establishes SafeHaven Property Insurance as a leading enterprise partner in property insurance innovation, leveraging Homellm's AI, IoT integration, and catastrophe management capabilities. This contract supersedes all prior agreements.
|
||||
@@ -0,0 +1,81 @@
|
||||
# Contract with Summit Commercial Insurance for Bizllm
|
||||
|
||||
**Contract Date:** March 15, 2025
|
||||
**Contract Number:** BZ-2025-0091
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- Summit Commercial Insurance, LLC
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide Summit Commercial Insurance with access to the Bizllm platform, enabling comprehensive commercial insurance underwriting and policy administration across multiple lines including general liability, professional liability, and property coverage.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 18 months from the contract date, after which it will automatically renew unless terminated by either party with a written 45-day notice.
|
||||
|
||||
3. **Payment:** Summit Commercial Insurance shall pay a monthly fee of $6,000, due by the 1st of every month for the Business Tier package.
|
||||
|
||||
4. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary information, trade secrets, and customer data disclosed during the execution of this contract.
|
||||
|
||||
5. **Liability:** Insurellm's liability under this agreement shall be limited to direct damages and shall not exceed the total fees paid by Summit Commercial Insurance in the last 12 months prior to the date of the claim.
|
||||
|
||||
6. **Data Security:** Insurellm commits to maintaining industry-standard encryption and security protocols to protect all client data processed through the Bizllm platform.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
Unless either party provides a written notice of termination at least 45 days prior to the expiration of the contract term, this agreement will automatically renew for an additional 18-month term under the same terms and conditions, subject to pricing adjustments communicated at least 90 days in advance.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
Summit Commercial Insurance will receive the following features with Bizllm Business Tier:
|
||||
|
||||
1. **Multi-Line Underwriting Engine:** Comprehensive underwriting platform supporting general liability, professional liability, property, and workers' compensation insurance products.
|
||||
|
||||
2. **Business Intelligence Integration:** Automated data gathering from business registries, financial databases, and industry reports for streamlined underwriting.
|
||||
|
||||
3. **Commercial Property Evaluation:** Advanced property risk modeling incorporating location data, building characteristics, and catastrophe modeling.
|
||||
|
||||
4. **Workers' Compensation Optimization:** Integrated tools analyzing payroll data, industry classifications, and claims history for accurate pricing.
|
||||
|
||||
5. **Portfolio Management Dashboard:** Analytics providing line-of-business performance, loss ratios, and renewal rates insights.
|
||||
|
||||
6. **Agent and Broker Portal:** Dedicated portals enabling distribution partners to quote, bind, and service policies efficiently.
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to providing comprehensive support to Summit Commercial Insurance, which includes:
|
||||
|
||||
1. **Onboarding:** A 3-week intensive training program for up to 15 Summit Commercial staff members to ensure effective use of Bizllm, including hands-on workshops and certification.
|
||||
|
||||
2. **Dedicated Support Team:** A dedicated account manager and technical support team available Monday-Friday 7 AM to 7 PM EST, with emergency support available 24/7.
|
||||
|
||||
3. **Regular Updates:** Insurellm will provide quarterly platform updates and enhancements, including new features, security improvements, and regulatory compliance updates.
|
||||
|
||||
4. **Integration Assistance:** Technical support for integrating Bizllm with Summit's existing policy administration and claims management systems.
|
||||
|
||||
5. **Performance Reviews:** Quarterly business reviews to assess platform utilization, identify optimization opportunities, and discuss strategic initiatives.
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Michael Torres**
|
||||
**Title**: Chief Revenue Officer
|
||||
**Insurellm, Inc.**
|
||||
|
||||
_________________________________
|
||||
**Patricia Lawson**
|
||||
**Title**: Vice President of Operations
|
||||
**Summit Commercial Insurance, LLC**
|
||||
|
||||
---
|
||||
|
||||
This agreement represents the complete understanding of both parties regarding the use of the Bizllm product and supersedes any prior agreements or communications.
|
||||
@@ -0,0 +1,257 @@
|
||||
# Contract with United Healthcare Alliance for Healthllm
|
||||
|
||||
**Contract Date:** May 15, 2025
|
||||
**Contract Number:** HL-2025-E-0156
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- United Healthcare Alliance, LLC
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide United Healthcare Alliance with enterprise access to the Healthllm platform, including extensive customization, multi-state support, dedicated infrastructure, and premium support services for their nationwide health insurance operations covering 250,000+ members across 12 states.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 48 months from the contract date, representing Insurellm's most strategic long-term healthcare partnership.
|
||||
|
||||
3. **Payment:** United Healthcare Alliance shall pay custom Enterprise Tier pricing of $52,000 per month for months 1-12, $56,000 per month for months 13-24, $60,000 per month for months 25-36, and $64,000 per month for months 37-48, totaling $2,784,000 over the contract term.
|
||||
|
||||
4. **Service Level Agreement:** Insurellm guarantees 99.95% uptime measured monthly, with financial credits: 7% monthly credit for each hour of unplanned downtime exceeding the SLA, maximum 50% monthly credit.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding AI algorithms, predictive models, member PHI, provider contracts, and strategic initiatives.
|
||||
|
||||
6. **Security and Compliance:** Insurellm commits to maintaining HIPAA compliance, HITRUST certification, SOC 2 Type II, and annual third-party security audits with penetration testing.
|
||||
|
||||
7. **Business Continuity:** Guaranteed 2-hour recovery time objective (RTO) and 15-minute recovery point objective (RPO) with active-active data center configuration.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
This agreement includes a mutual 120-day renewal notice period. United Healthcare Alliance receives most-favored-customer pricing guarantees and priority access to all new features. Contract may be extended in 12 or 24-month increments with mutual written agreement and will include joint planning for next-generation healthcare technology initiatives.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
United Healthcare Alliance will receive the complete Healthllm Enterprise suite with custom enhancements:
|
||||
|
||||
1. **Unlimited Member Administration:** No capacity restrictions, supporting United's 250,000+ members with scalability to 1 million+ members as business expands.
|
||||
|
||||
2. **Multi-State Operations:** Complete support for health insurance administration across all 12 states where United operates:
|
||||
- State-specific plan designs and benefit variations
|
||||
- 50-state regulatory compliance monitoring
|
||||
- Multi-state network adequacy reporting
|
||||
- State-specific form filing and rate approvals
|
||||
- Local market competitive intelligence
|
||||
|
||||
3. **White-Label Platform:** Complete branding customization:
|
||||
- Custom domains (members.unitedhealthcarealliance.com, providers.unitedhealthcarealliance.com)
|
||||
- Branded mobile apps for iOS and Android with full UI/UX customization
|
||||
- Customized member communications and marketing materials
|
||||
- Co-branded provider portals and broker platforms
|
||||
|
||||
4. **Advanced AI Claims Adjudication:** Enterprise-grade claims processing:
|
||||
- Auto-adjudication rate of 85%+ for clean claims
|
||||
- Real-time fraud detection with 92%+ accuracy
|
||||
- Predictive payment integrity scoring
|
||||
- Provider billing pattern analysis
|
||||
- Upcoding and unbundling detection
|
||||
- Coordination of benefits (COB) automation
|
||||
- Subrogation opportunity identification
|
||||
|
||||
5. **Population Health Management:** Comprehensive analytics for value-based care:
|
||||
- Real-time risk stratification across entire member population
|
||||
- Chronic disease identification and progression modeling
|
||||
- Predictive analytics for 30+ conditions
|
||||
- Hospital readmission prevention protocols
|
||||
- Care gap analysis for HEDIS and STAR measures
|
||||
- Social determinants of health (SDOH) integration
|
||||
- Health equity analytics and disparity identification
|
||||
|
||||
6. **Complete API Access:** Unlimited API calls supporting:
|
||||
- Real-time integration with United's core systems
|
||||
- Provider portal and directory synchronization
|
||||
- Claims clearinghouse EDI transactions (837, 835, 834, 270/271)
|
||||
- Pharmacy benefit manager (PBM) integration
|
||||
- Health Information Exchange (HIE) connectivity
|
||||
- Data warehouse bidirectional sync
|
||||
- Third-party vendor integrations (lab systems, imaging centers, etc.)
|
||||
|
||||
7. **Advanced Provider Network Management:**
|
||||
- Credentialing and re-credentialing for 15,000+ providers
|
||||
- Contract management with version control and approval workflows
|
||||
- Provider performance scorecards and tiering
|
||||
- Network adequacy modeling and gap analysis
|
||||
- Cost and quality analytics by provider
|
||||
- Center of Excellence (COE) program management
|
||||
- Value-based payment arrangement tracking
|
||||
|
||||
8. **Comprehensive Medication Management:**
|
||||
- Multi-tier formulary management (national and state-specific)
|
||||
- Prior authorization with clinical decision support
|
||||
- Step therapy and quantity limit enforcement
|
||||
- Specialty pharmacy program management
|
||||
- Biosimilar and generic substitution optimization
|
||||
- Medication adherence prediction and intervention
|
||||
- Drug spend forecasting and budgeting
|
||||
- Manufacturer rebate tracking and optimization
|
||||
|
||||
9. **Member Engagement Suite:**
|
||||
- Omnichannel communication platform (SMS, email, push, voice)
|
||||
- Personalized member portal with AI-powered chatbot
|
||||
- Telehealth platform integration (video visits, e-consults)
|
||||
- Preventive care reminder campaigns
|
||||
- Wellness program platform with incentives and gamification
|
||||
- Member satisfaction surveying and feedback analysis
|
||||
- Health literacy tools and educational content
|
||||
|
||||
10. **Quality and Performance Management:**
|
||||
- HEDIS measure calculation and reporting
|
||||
- STAR ratings optimization for Medicare Advantage
|
||||
- CAHPS survey administration and analysis
|
||||
- Quality improvement initiative tracking
|
||||
- Provider pay-for-performance administration
|
||||
- Shared savings calculation for ACO programs
|
||||
- Risk adjustment and HCC coding validation
|
||||
|
||||
11. **Advanced Analytics and Business Intelligence:**
|
||||
- Real-time operational dashboards for all user roles
|
||||
- Executive dashboards with KPIs and trend analysis
|
||||
- Predictive modeling for medical cost trends
|
||||
- Member churn and retention analysis
|
||||
- Market share and competitive positioning reports
|
||||
- Financial forecasting and budget variance analysis
|
||||
- Custom analytics with embedded data science team support
|
||||
|
||||
12. **Regulatory Compliance and Reporting:**
|
||||
- ACA compliance monitoring (MLR, essential health benefits, preventive services)
|
||||
- Multi-state regulatory filing management
|
||||
- CMS reporting for Medicare Advantage products
|
||||
- State insurance department examinations support
|
||||
- HIPAA privacy and security compliance with audit trails
|
||||
- Fraud, waste, and abuse (FWA) detection and reporting
|
||||
- Annual compliance certification and attestation
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to comprehensive Enterprise-level support for United Healthcare Alliance:
|
||||
|
||||
1. **Dedicated Success Team:**
|
||||
- Executive sponsor (CEO-level) with monthly strategic reviews
|
||||
- Dedicated Vice President of Customer Success with weekly engagement
|
||||
- Senior Technical Account Manager for system optimization
|
||||
- Solutions Architect team for ongoing innovation (2 FTE)
|
||||
- Data Science team for advanced analytics projects (1.5 FTE)
|
||||
- Quarterly executive business reviews with C-suite from both companies
|
||||
|
||||
2. **24/7/365 Premium Support:**
|
||||
- Guaranteed 10-minute response for P1 critical issues
|
||||
- 30-minute response for P2 high-priority issues
|
||||
- 2-hour response for P3 standard issues
|
||||
- Dedicated support team of 8+ specialists familiar with United's environment
|
||||
- Private war room for incident management
|
||||
- Dedicated Slack and Microsoft Teams channels with engineering access
|
||||
- Quarterly on-site support visits (minimum 8 per year)
|
||||
|
||||
3. **Comprehensive Implementation:**
|
||||
- 18-month phased implementation program with 4 major go-live events
|
||||
- Dedicated program management office (PMO) with weekly steering committee
|
||||
- Migration of 250,000+ member records from legacy systems
|
||||
- Integration with 15,000+ provider records and credentialing data
|
||||
- Training for 300+ United staff across all departments
|
||||
- Training for 100+ key provider practices and health systems
|
||||
- Parallel processing with legacy system for 120 days
|
||||
- Go-live support with 12-week on-site Insurellm team presence (6-10 people)
|
||||
|
||||
4. **Training and Enablement:**
|
||||
- Comprehensive role-based training programs for all staff
|
||||
- Executive leadership training on healthcare AI and analytics
|
||||
- Train-the-trainer certification for United's L&D team
|
||||
- Annual user conference attendance (10 attendees, all expenses paid)
|
||||
- Monthly advanced training sessions on new features
|
||||
- Unlimited online learning platform access with 200+ courses
|
||||
- Custom training content development for United-specific processes
|
||||
- Clinical training for care management and utilization review staff
|
||||
|
||||
5. **Custom Development:**
|
||||
- 3,000 hours annually of custom development included
|
||||
- Dedicated development team (4 developers, 1 PM, 1 QA) for United-specific features
|
||||
- Priority feature requests with guaranteed product roadmap inclusion
|
||||
- Beta access to all new features 120 days before general release
|
||||
- Joint innovation projects and co-development opportunities
|
||||
- Input into 5-year product strategy and roadmap
|
||||
- Potential for United to influence industry direction through partnership
|
||||
|
||||
6. **Integration Services:**
|
||||
- Enterprise integration with United's complex system landscape:
|
||||
- HealthEdge iBridge policy administration
|
||||
- Epic care management system integration
|
||||
- Salesforce Health Cloud CRM
|
||||
- Multiple PBMs (CVS Caremark, Express Scripts)
|
||||
- Availity and Change Healthcare clearinghouses
|
||||
- Truven Health Analytics
|
||||
- Provider credentialing systems (CAQH ProView)
|
||||
- NCQA HEDIS reporting systems
|
||||
- Financial systems (Oracle ERP, Workday)
|
||||
- Data lake on Snowflake and AWS
|
||||
- Dedicated integration team (2 FTE integration engineers)
|
||||
- Monthly integration health assessments with optimization
|
||||
- Performance tuning and load testing before peak periods (open enrollment)
|
||||
|
||||
7. **Analytics and Reporting:**
|
||||
- Custom dashboard development (unlimited)
|
||||
- Real-time operational dashboards for claims, enrollment, utilization
|
||||
- Executive dashboards with drill-down capabilities
|
||||
- Automated reporting suite (daily, weekly, monthly, quarterly, annual)
|
||||
- Ad-hoc analytics support (unlimited requests with 48-hour SLA)
|
||||
- Industry benchmarking against top 100 health plans
|
||||
- Predictive modeling consultation (bi-weekly sessions)
|
||||
- Embedded data science team for advanced projects
|
||||
- Access to Insurellm's proprietary healthcare benchmarking database
|
||||
|
||||
8. **Compliance and Regulatory Support:**
|
||||
- Monthly compliance reviews with detailed documentation
|
||||
- Annual HIPAA security risk assessment with remediation planning
|
||||
- Annual HITRUST assessment support
|
||||
- ACA reporting (1094/1095 forms, MLR calculations, essential health benefits)
|
||||
- Medicare Advantage CMS reporting support
|
||||
- Multi-state regulatory filing coordination
|
||||
- Quality measure calculation (HEDIS, STAR, CAHPS)
|
||||
- External audit support (state exams, CMS audits, accreditation)
|
||||
- Fraud, waste, and abuse program support
|
||||
|
||||
9. **Continuous Improvement:**
|
||||
- Bi-weekly process optimization workshops
|
||||
- Quarterly efficiency audits with detailed ROI analysis
|
||||
- Best practice sharing from across Insurellm's customer base
|
||||
- Innovation lab partnership for emerging technologies:
|
||||
- AI and machine learning advancements
|
||||
- Blockchain for claims and credentialing
|
||||
- Natural language processing for clinical documentation
|
||||
- Predictive analytics for population health
|
||||
- Joint whitepapers and case studies for industry publication
|
||||
- Speaking opportunities at major industry conferences (AHIP, HIMSS)
|
||||
- Collaboration on thought leadership and regulatory advocacy
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Jennifer Rodriguez**
|
||||
**Title**: Chief Executive Officer
|
||||
**Insurellm, Inc.**
|
||||
**Date**: May 15, 2025
|
||||
|
||||
_________________________________
|
||||
**James Patterson**
|
||||
**Title**: Chairman & Chief Executive Officer
|
||||
**United Healthcare Alliance, LLC**
|
||||
**Date**: May 15, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement establishes United Healthcare Alliance as Insurellm's flagship enterprise health insurance partner, representing the most comprehensive strategic partnership in Insurellm's history. This partnership will drive innovation in healthcare technology and set new standards for AI-powered health insurance operations. This contract supersedes all prior agreements and communications.
|
||||
@@ -0,0 +1,166 @@
|
||||
# Contract with WellCare Insurance Co. for Healthllm
|
||||
|
||||
**Contract Date:** March 8, 2025
|
||||
**Contract Number:** HL-2025-0021
|
||||
**Parties:**
|
||||
- Insurellm, Inc.
|
||||
- WellCare Insurance Co.
|
||||
|
||||
---
|
||||
|
||||
## Terms
|
||||
|
||||
1. **Coverage:** Insurellm agrees to provide WellCare Insurance Co. with access to the Healthllm platform, enabling comprehensive health insurance operations including plan design, eligibility verification, claims adjudication, and member engagement.
|
||||
|
||||
2. **Duration:** This agreement is effective for a period of 12 months from the contract date, with automatic renewal unless terminated with 30-day written notice.
|
||||
|
||||
3. **Payment:** WellCare Insurance Co. shall pay a monthly fee of $8,000, due by the 1st of every month for the Essential Tier package.
|
||||
|
||||
4. **Member Coverage**: Essential Tier supports health insurance administration for up to 15,000 covered members. Current enrollment: 11,000 members.
|
||||
|
||||
5. **Confidentiality:** Both parties agree to maintain strict confidentiality of proprietary information, protected health information (PHI), and member data in compliance with HIPAA regulations.
|
||||
|
||||
6. **HIPAA Compliance:** Insurellm operates as a Business Associate and maintains full HIPAA compliance including Business Associate Agreement (BAA).
|
||||
|
||||
7. **Liability:** Insurellm's liability is limited to direct damages not exceeding the total fees paid in the preceding 12 months.
|
||||
|
||||
---
|
||||
|
||||
## Renewal
|
||||
|
||||
Unless either party provides written notice of termination at least 30 days prior to contract expiration, this agreement automatically renews for successive 12-month terms. Pricing may be adjusted annually with 60 days' advance notice, capped at 10% increase per year.
|
||||
|
||||
---
|
||||
|
||||
## Features
|
||||
|
||||
WellCare Insurance Co. will receive the following Essential Tier features:
|
||||
|
||||
1. **Intelligent Plan Design:** AI-powered tools for creating competitive health plans:
|
||||
- Market trend analysis and competitive benchmarking
|
||||
- Member demographic analysis
|
||||
- Healthcare utilization pattern analysis
|
||||
- Benefit structure optimization
|
||||
- Deductible and copay modeling
|
||||
- Network configuration recommendations
|
||||
|
||||
2. **Real-Time Eligibility Verification:** Instant coverage verification:
|
||||
- Provider network integration for real-time checking
|
||||
- Member status validation
|
||||
- Coverage level confirmation
|
||||
- Dependent eligibility verification
|
||||
- Prior authorization status
|
||||
- Reduces claim denials due to eligibility issues
|
||||
|
||||
3. **AI-Driven Claims Adjudication:** Automated claims processing:
|
||||
- Machine learning-based claims review
|
||||
- Fraud detection and prevention
|
||||
- Payment accuracy verification
|
||||
- Auto-adjudication for clean claims
|
||||
- Denial management and appeals tracking
|
||||
- Learning from historical claim patterns
|
||||
|
||||
4. **Provider Network Management:** Comprehensive network administration:
|
||||
- Provider contract management
|
||||
- Credentialing and re-credentialing workflows
|
||||
- Network adequacy monitoring
|
||||
- Provider performance metrics
|
||||
- Contract negotiation analytics
|
||||
- Cost savings opportunity identification
|
||||
|
||||
5. **Member Engagement Platform:** Mobile-first member portal:
|
||||
- Digital ID cards
|
||||
- Claims status tracking
|
||||
- Provider directory search
|
||||
- Coverage information access
|
||||
- Telehealth service integration
|
||||
- Push notifications for preventive care
|
||||
|
||||
6. **Basic Medication Management:**
|
||||
- Formulary management tools
|
||||
- Prior authorization workflows
|
||||
- Generic substitution recommendations
|
||||
- Drug interaction checking
|
||||
- Medication adherence tracking
|
||||
|
||||
7. **Regulatory Compliance Engine:**
|
||||
- ACA (Affordable Care Act) compliance monitoring
|
||||
- State mandate tracking
|
||||
- HIPAA privacy and security compliance
|
||||
- Automated regulatory reporting
|
||||
- Form filing and approval tracking
|
||||
|
||||
8. **Standard Analytics:** Dashboards tracking:
|
||||
- Claims volume and processing time
|
||||
- Medical loss ratio (MLR)
|
||||
- Member satisfaction scores
|
||||
- Provider network utilization
|
||||
- Cost per member per month (PMPM)
|
||||
|
||||
---
|
||||
|
||||
## Support
|
||||
|
||||
Insurellm commits to providing comprehensive support to WellCare Insurance Co.:
|
||||
|
||||
1. **Onboarding:** 4-week implementation program including:
|
||||
- System configuration for WellCare's plan designs
|
||||
- Training for up to 15 staff members (30 hours total)
|
||||
- Integration with existing systems (policy admin, provider network)
|
||||
- Data migration for current 11,000 members
|
||||
- Provider network data import and validation
|
||||
|
||||
2. **Technical Support:**
|
||||
- Email and phone support Monday-Friday 7 AM - 7 PM EST
|
||||
- Response time: 8 hours for critical issues, 24 hours for standard
|
||||
- Online ticketing system with status tracking
|
||||
- Knowledge base and FAQ library
|
||||
- Video tutorials and user guides
|
||||
|
||||
3. **Platform Updates:**
|
||||
- Quarterly feature releases with new capabilities
|
||||
- Monthly security patches and bug fixes
|
||||
- Regulatory compliance updates as laws change
|
||||
- Release notes and upgrade documentation
|
||||
- Advance notice of updates (minimum 21 days)
|
||||
|
||||
4. **Account Management:**
|
||||
- Named customer success manager
|
||||
- Quarterly business review meetings
|
||||
- Usage analytics and optimization recommendations
|
||||
- Industry trends and best practices sharing
|
||||
- Assistance with tier upgrade evaluation
|
||||
|
||||
5. **Compliance Support:**
|
||||
- Annual HIPAA compliance review
|
||||
- Regulatory update notifications
|
||||
- State insurance department filing assistance
|
||||
- ACA reporting support (1095 forms)
|
||||
- Audit preparation assistance
|
||||
|
||||
6. **Integration Support:** Technical assistance connecting Healthllm with:
|
||||
- Existing policy administration systems
|
||||
- Provider credentialing systems
|
||||
- Pharmacy benefit managers (PBMs)
|
||||
- Clearinghouses for EDI transactions
|
||||
- Member portal and mobile apps
|
||||
|
||||
---
|
||||
|
||||
**Signatures:**
|
||||
|
||||
_________________________________
|
||||
**Sarah Chen**
|
||||
**Title**: Vice President of Sales
|
||||
**Insurellm, Inc.**
|
||||
**Date**: March 8, 2025
|
||||
|
||||
_________________________________
|
||||
**Dr. Raymond Foster**
|
||||
**Title**: Chief Medical Officer & COO
|
||||
**WellCare Insurance Co.**
|
||||
**Date**: March 8, 2025
|
||||
|
||||
---
|
||||
|
||||
This agreement enables WellCare Insurance Co. to modernize their health insurance operations with AI-powered technology while ensuring regulatory compliance and improved member outcomes.
|
||||
Reference in New Issue
Block a user