The operating system for insurance distribution.
Producer onboarding, commissions, enrollments and compliance in one platform, with plain-English answers across your whole hierarchy. Built for FMOs, IMOs, agencies and the producers under them.
20-minute walkthrough on your own book. No prep needed.
Distribution still runs on spreadsheets.
A multi-million-dollar operation held together by carrier portals, commission spreadsheets, licensing PDFs and email threads. Things fall through, and every miss costs real money.
Onboarding drags for weeks
Contracting packets bounce between inboxes. Producers wait, carriers wait, and deals die in the gap.
Commissions never quite reconcile
Every carrier statement has its own format. Overrides, splits and chargebacks hide in the noise, and errors compound quietly.
Compliance is a fire drill
Licences lapse. Appointments expire. You find out when a policy gets flagged, not before.
One platform. Your whole operation.
Five systems your team stitches together today, running as one and sharing one ledger.
Contract in days, not weeks.
Digital contracting packets, e-signatures, NIPR sync and carrier appointment tracking, with nothing lost in an inbox.
Every dollar, accounted for.
Carrier statements in any format, reconciled down to the policy. Splits, overrides and chargebacks included.
Production, visible the moment it happens.
Submitted, pending and effectuated business by carrier, product and producer. Members and employer groups on the same pipeline.
Ready to sell, at a glance.
Licences, appointments, courses and certificates tracked per producer, per state, with alerts before anything lapses.
Ask your book anything.
Plain-English answers from your own data, with the drill-down one click away. Reads statements and contracts too, so the data behind the answer is the data you loaded.
See the five running on your data.
Bring one carrier statement and one producer file. We show you the reconciliation and the ready-to-sell gate live.
Built for every seat in the hierarchy.
Pick your seat. Each one gets a portal in your brand, the same ledger underneath, and only the screens that seat needs.
You see production three weeks late and overrides one carrier at a time.
Kadova puts every downline agency and producer in one hierarchy with the rules that move money between them. Overrides, splits and chargebacks compute per level. Rate changes are effective-dated, so in-force business keeps its terms. Every agency under you gets a portal in your brand, and you can ask the whole book a question in plain English.
- Every downline agency and producer in one hierarchy, with transfers that keep their history
- Override and split rules per carrier and product, effective-dated
- White-label portals for every agency and producer under you
- Clear-to-sell gates that stop a producer writing before licences and appointments are in
- Ask Kadova which downlines drove growth last AEP, then drill into the producers behind it
Onboarding producers and chasing statements eats the week.
Contracting packets go out and come back signed online. Licences sync from NIPR and appointments are tracked per carrier, so ready-to-sell is a status, not a phone call. Statements reconcile to the policy on import, with chargebacks flagged. Producers get a sales site you approve before it goes live, and training you assign by role.
- Contracting packets signed online, appointments tracked per carrier
- Licences synced from NIPR, with an alert before any of them lapse
- Statements reconciled to the policy, chargebacks and splits included
- Producer sales sites you review and approve before they publish
- Training assigned by role, certificates kept on file
Employer groups, eligibility files and member questions live in three systems.
Kadova runs employer groups and eligibility on the same pipeline as enrollments. Members verify themselves and enroll in a portal in your brand, acknowledgments and signatures are captured per enrollment, and eligibility exports go to carriers on schedule. Internal messaging keeps the audit trail attached to the case.
- Employer groups and eligibility in one pipeline with enrollments
- Members verify and enroll in a portal carrying your brand
- Acknowledgments and signatures captured on every enrollment
- Eligibility exports to carriers on a schedule you set
- Messaging inside the platform, with the audit trail attached
You want to sell, not chase paperwork.
One home shows your licences, appointments and what you can sell today. You get a personal sales site your upline approves, quotes and enrollments from the same screen, and your commissions line by line with the carrier statement behind each one. Training and resources come to you, assigned by your upline.
- One home for licences, appointments and what you can sell today
- A personal sales site your upline approves
- Quotes and enrollments from the same screen
- Your commissions, line by line, with the statement behind each one
- Training and a resource library assigned to you
Overrides flow through relationships, not records.
Every producer sits in a hierarchy, and every dollar knows its path up it. Move a producer and the history moves with them. Change a rate and in-force members keep theirs until renewal.
The machinery the five pillars run on.
Configurable, auditable, and visible from every seat. Onboarding the next tenant is data, not a rewrite.
Producer hierarchies
Uplines, downlines and transfers, with every historical attribution preserved.
Effective-dated rates
Publish next year's table without touching in-force business.
Commission ledger
Every payment, override, split and chargeback, traceable to a policy.
Billing and recovery
Invoices, payments and chargeback recovery on the same ledger as commissions.
Configuration studio
Product types, plan designs, carriers, pay models and gates are configuration, not code.
White-label portals
Producer, member and enrollment-firm portals in your brand, per tenant.
Document intelligence
Statements, contracts and certificates read on upload, fields extracted for review.
Integrations and NIPR
NIPR licence sync, e-signature, payments, accounting, carrier files and an API. See all integrations
Connects to the systems you already run.
Kadova is the ledger, not another island. Licences, signatures, payments, accounting and carrier files connect once and stay in sync.
Up and running in three moves.
Connect
Bring in your producers, carriers and commission statements. Imports and templates included, and NIPR keeps licences current from day one.
Reconcile
Kadova matches every policy, payment and override across your hierarchy, and shows you the lines it could not.
See everything
One view from the newest producer to the top of the house, with a portal in your brand for every seat below you.
What actually changes.
| When | Spreadsheets and portals | With Kadova |
|---|---|---|
| Where production stands | A spreadsheet updated on Fridays | Live, by carrier, product and producer |
| A new producer wants to sell | Weeks of email threads and PDFs | A gate that turns green when the last item lands |
| A commission statement arrives | Someone re-keys it | Mapped once, reconciled to the policy on import |
| A licence is about to lapse | You find out from the carrier | An alert before it happens, per state |
| A producer moves uplines | History gets lost | Attribution preserved, overrides re-routed |
| The CEO asks a question | A week of pulling reports | Ask Kadova, then drill into the answer |
Compliance is code, not a policy page.
HIPAA, PCI, PHI, PII and GDPR handling are built into the platform: masked fields, consent gates, retention rules, audit trails and tenant isolation. Ask for the security overview
FMOs, IMOs, agencies, enrollment firms and the producers under them. If you sit anywhere in an insurance hierarchy and money or licences flow through you, there is a seat built for you.
Standard carrier feeds and spreadsheet statements alike. Each carrier's format is mapped once, then every statement reconciles to the policy on import.
It depends on how many carriers and how much history you bring. Producers, hierarchies and licences come in first, statements follow, and you keep your old tools running until reconciliation matches.
Yes. Producer, member and enrollment-firm portals are white-labelled per tenant, with the same ledger underneath.
HIPAA, PCI, PHI, PII and GDPR handling are built into the platform as code: masked fields, consent gates, retention rules, audit trails and tenant isolation. Ask for the security overview on your demo.
Pricing follows the size of your hierarchy and the modules you run. Book a demo and we will price it on your numbers.
See your whole book from the summit.
A 20-minute walkthrough with your own use cases: onboarding, commissions, compliance and the questions you would ask your book.