Agent and Broker Portal
Quote, bind, and service in one place for your distribution force.
Producers cannot be compelled to use anything. They have somewhere else to send the business, which makes distribution the one area where adoption is not a training exercise but the entire measure of success.
Our Distribution + Producer Experience solutions help insurers:
Let producers self-serve instead of calling your team
Get producers appointed and selling in days rather than weeks
Pay commissions accurately without a reconciliation project every cycle
Know which producer relationships are worth the time
Products + Services
Distribution + Producer Experience Solutions
What we build, implement, and support in this category.
Products
Comparative Rater and Quote-Bind-Issue
Multi-carrier quoting for commercial and specialty lines.
Embedded Insurance and API Distribution
APIs that place coverage at the point of sale.
Commission and Compensation Management
Multi-tier producer and program commissions.
Commissions Attribution and Processing
Tracks which producer earned which commission and pays it out correctly.
Producer Onboarding and Appointment System
Appointment requests across multiple carriers, with automated licensing, E&O, and W9 compliance checks.
Bordereaux Management and Reporting
Premium and loss reporting to capacity providers and reinsurers.
MGA-in-a-Box and Program Administration
Fast-deploy core for delegated authority operations.
Services
Business Process and Operating Model Consulting
Redesigning how producers are onboarded, supported, and paid.
Product and Vendor Selection Advisory
Helping you choose between portal and rating platforms, without a stake in the answer.
Digital Transformation and Technology Strategy
Roadmaps and target operating model for the distribution side of the business.
Use Cases
Where insurers put us to work
These are places we do real work in a distribution operation. Each one has been built for an insurer already, and most engagements start in one and expand from there.
Agent and broker portals
Quoting, binding, servicing, and document access in one place, built around how a producer actually works rather than how your org chart is arranged. The test is whether they use it without being reminded to, which is a design question more than a technology one.
Producer onboarding, appointments, and licensing
A single interface for requesting appointments across multiple carriers, with automated license compatibility checks so producers only apply where they are eligible, built-in compliance for licenses, E&O, and W9, and real-time status so nobody has to ask where things stand.
Appetite and quoting at the point of submission
Letting a producer see what you will write before they send it. Appetite APIs, comparative rating, and quote comparison, so the submissions that arrive are ones you want and the ones you don’t never consume anyone’s time.
Commission and compensation management
Ingesting carrier statements in whatever format they arrive, parsing and classifying by agency, producer, product, and period, calculating against carrier-specific rules, and generating payouts and statements. The work scales with your book unless something changes.
Embedded and API distribution
Placing coverage at the point of sale through partner APIs, which means someone else’s checkout, someone else’s timeline, and someone else’s definition of acceptable latency.
Producer performance and engagement
Knowing which relationships are producing, which are declining, and which deserve attention this week. Segmentation, next-best-action prompts, and the reporting that turns a producer list into a plan.
who we serve
Solutions often look different depending on where you sit
Carriers
Your producers represent other carriers too, and they compare you against them daily. Self-service, appointment speed, and commission accuracy are where that comparison is made.
Paktolus for Carriers →MGAs
Brokers bind with whoever answers first, so speed to quote is the entire competitive position. Appetite visibility before submission is worth more than any portal feature.
Paktolus for MGAs →Mutuals
Independent agents have better tools from every national carrier they represent. The gain is in not losing business on convenience.
Paktolus for Mutuals →Agencies and Brokerages
Your producers are your own, and the friction is internal: appointments that take weeks, commission statements in seventy formats, and systems that don’t connect.
Paktolus for Agencies →Wholesalers
Retail agents send it to whoever answers first, and the submission arrives as an email attachment. Appetite matching and turnaround are the whole game.
Paktolus for Wholesalers →Reinsurers
Brokers and cedents asking for the same information repeatedly, and reporting obligations flowing in both directions.
Paktolus for Reinsurers →Results
How would results like these impact your business?
Carrier appointment and agent onboarding
Producers were losing weeks to a paperwork-heavy carrier appointment process, and carriers were losing access to a broader network as a result. We built a single interface for requesting appointments across multiple carriers, with automated license compatibility checks, built-in compliance for licenses, E&O, and W9, approval time estimates, and real-time status notifications.
90%
faster appointment processing
100%
producer adoption within one month
75%
reduction in operational costs
100+
carrier appointments automated
Automated commission processing
Commission processing depended on interpreting carrier statements arriving in dozens of incompatible formats, with no centralized system to ingest, parse, classify, and calculate. We built an end-to-end platform that maps seventy statement formats into parsing templates, calculates against carrier-specific rules, and generates NACHA files and PDF statements for each producer and agency.
90%
improvement in processing efficiency
50%
faster commission payouts
85%
reduction in operational costs
Next best action across 2,500 agencies
A mid-sized multi-line carrier had no centralized visibility into agent performance, relied on manual analysis, and was losing ground on cross-sell and retention. We built an integrated ecosystem connecting CRM, real-time policy data, and risk benchmarks, with a summary engine turning it into prompts a territory manager could act on.
62.5%
cross-sell growth
167%
increase in agency touchpoints
6 points
improvement in policy retention
Our approach
The question we always start with is:
“What does done actually look like for you?”
Some clients come to us with a defined project. Others come with a problem and no idea what the shape of the solution is. Either way, the answer to that question is what we build against. We plug in wherever you need us, from a single initiative to a full-scale program, and we stay as long as it’s useful.
CEO and Co-Founder
From consulting to execution.
Advise
Discovery, process assessment, build-versus-buy analysis, and scoping. Some engagements stop here, and that's a legitimate outcome. You leave with a decision you can defend and a plan someone can actually execute.
Deliver
Custom development or implementation and configuration of what you already run. Phased, specified, and measured against the outcome you chose. When it goes live, your team knows how to run it.
Support
Ongoing support, enhancement, and managed services, for what we built or for what you were running before we met.
We’re technology and vendor agnostic. Sometimes the right answer is custom-built around exactly how your team works. Sometimes it’s optimizing the platform you already run on. We don’t lead with a preferred stack, we lead with your goals.
Common Questions
Questions Insurers Ask Us About Distribution Technology
That is the right question, and it is where most portal projects fail. Producers cannot be required to adopt anything, because the business can always go somewhere else. So we design for adoption from the start: shadowing how producers actually work today, keeping what is familiar, and building something that saves them time rather than transferring work onto them. On a recent producer-facing build, adoption reached 100% within the first month, which is the number we would point at rather than any feature list.
Yes. Appointment and licensing workflows are usually manual, paperwork-heavy, and invisible to the people waiting on them, which makes them a strong first project. We have built a single interface for requesting appointments across multiple carriers, with automated license compatibility checks so producers only apply where they are eligible, built-in checks covering licenses, E&O, and W9, and real-time status notifications. On that build, appointment processing time dropped 90%.
Yes, and it is one of the highest-return projects available to a growing distribution operation, because the work scales with your book unless something changes. A typical build ingests carrier statements in whatever format they arrive, parses and classifies them by agency, producer, product, and period, calculates against carrier-specific rules, and generates payouts and statements. On one engagement we mapped seventy distinct statement formats and cut payout time in half.
Yes, and this is usually the harder half of a distribution project. Carrier portals, raters, and agency management systems belong to other people, change without notice, and frequently have no formal API. We have built more than 300 carrier integrations, which mostly means we have met the awkward cases before.
What platforms do you work with? We work across the tooling our clients already run rather than a preferred stack. On distribution engagements that commonly includes agency management systems, comparative raters, carrier portals, CRM platforms including Salesforce and Creatio, and the payment and document tooling around them. That is a sample rather than a list of preferences.
We work across the tooling our clients already run rather than a preferred stack. On distribution engagements that commonly includes agency management systems, comparative raters, carrier portals, CRM platforms including Salesforce and Creatio, and the payment and document tooling around them. That is a sample rather than a list of preferences.
The portal gets built for the carrier’s convenience rather than the producer’s. It captures the fields your systems want, in the order your systems want them, and asks the producer to do work that used to be done for them. Producers are polite about it for a few weeks and then go back to email. The test we hold ourselves to is whether the thing saves the producer time, not whether it saves yours.
Tell us your biggest pain point.
We'll tell you how we've solved for it.
Twenty minutes, a candid conversation. If we’re not the right fit, we’ll say so.