Regulatory Filing Automation
Auto-assemble NAIC Annual Statements, state supplemental filings, and periodic regulatory reports — pulling data from policy, claims, investment, and financial systems. Reconcile automatically, flag variances, and track to filing deadlines.
Regulatory reporting is the most dreaded part of the insurance finance calendar
Your data lives in five or more systems — policy admin, claims, general ledger, investment management, and reinsurance. Someone has to pull from every one of them, reconcile the numbers, populate the schedules, cross-check the totals, and track down the variances. Manual reconciliation takes weeks, and variance tracking lives in spreadsheets that only one person understands.
One missed filing means regulatory scrutiny. One restatement means examiner questions. And every Q4/Q1, your finance team is buried under NAIC Annual Statements, state supplemental filings, and periodic reports — while also trying to close the books. Staff burns out. Deadlines get tight. Errors creep in.
The irony is that most of this work is data extraction, transformation, and reconciliation — exactly the kind of structured, rules-based work that AI handles better than humans. If the AI actually understands insurance regulatory formats.
From raw data to filed report — automatically
Data Extraction
SectorFlow connects to your policy admin, claims, general ledger, investment, and reinsurance systems. It extracts the data needed for each filing schedule — premiums written, losses incurred, reserves, investments, surplus — and normalizes it into the required format.
Automated Reconciliation
The AI cross-references data across all source systems — matching policy-level detail to GL totals, claims reserves to Schedule P, investment holdings to Schedule D. Discrepancies are identified at the transaction level, not just the summary level.
Variance Detection
The AI compares current period data against prior filings, expected ranges, and regulatory thresholds. Material variances are flagged with root-cause analysis — not just "this number changed," but why it changed and whether it requires disclosure or explanation.
Gap Management
Missing data, incomplete schedules, and unresolved variances are tracked in a centralized dashboard with owners and deadlines. The AI sends automated reminders and escalations to keep the filing on track — no more chasing people via email.
Review & Submission
The completed filing package is presented for human review with a full audit trail — every data source, every reconciliation, every variance resolution. Reviewers focus on judgment calls and sign-offs, not data verification. The package is formatted for direct submission to NAIC and state regulators.
This isn't a template — it's a regulatory operations engine
Every capability your regulatory reporting team needs, built in from day one.
Multi-Source Data Pull
Connects to policy admin, claims, general ledger, investment management, and reinsurance systems — extracting and normalizing data across all sources in a single pass.
NAIC Format Compliance
Pre-built templates for NAIC Annual and Quarterly Statements, including all schedules, exhibits, and general interrogatories — formatted to current NAIC specifications.
Automated Reconciliation
Cross-references data at the transaction level across all source systems — identifying discrepancies before they become filing errors.
Variance Flagging
Compares current data against prior filings and expected ranges. Material variances are flagged with root-cause analysis and recommended explanations for regulators.
State Filing Tracker
Tracks filing requirements, deadlines, and submission status for every state where you're licensed — including state-specific supplemental filings and unique schedule requirements.
Examiner-Ready Audit Trail
Every data source, extraction, reconciliation, and variance resolution is logged with timestamps and user attribution — ready for regulatory examination without additional prep work.
Connects to the systems you already run
Salesforce
ServiceNow
Guidewire
Duck Creek
SAP / Oracle GL
Investment Systems
Reinsurance Platforms
Don't see your system? We integrate with any platform via API. Talk to us.
What carriers are seeing
Auto-compiled (18/22 sections)
Early avg. submission
Filing accuracy (0 restatements)
Based on pilot deployments. Your results will depend on filing complexity, number of states, and system configuration.
"Our Annual Statement used to be a three-week all-hands exercise. People working weekends, chasing down variances in spreadsheets, hoping nothing fell through the cracks. Now the AI assembles 80% of the filing automatically, flags every variance with an explanation, and our team spends three days reviewing instead of three weeks building. Last year we filed two days early for the first time in company history — with zero restatements."
— CFO, Regional Property & Casualty Carrier
Frequently Asked Questions
See What Automated Regulatory Filing Looks Like for Your Team
Book a 30-minute discovery call. We'll walk through the Regulatory Filing flow with your filing requirements and your source systems.
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