Book of Business Intelligence

Bob will find your commissions.
And he will reconcile them.

80+ carriers. 50 states. 30 different statement formats. Bob connects to all of them, retrieves your statements automatically, cross-checks every record against your CRM, enrollments, carrier data, and bank deposits - then investigates every discrepancy and tells you exactly what to do.

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BobIQ - Book of Business Dashboard
Live
Recovered
$0
Open Items
0
Reconciled
92%
Bob is investigating
12 actions today
L1 CRM
L2 Enroll
L3 Carrier
L4 Bank
Bob
Your 24/7 AI commission detective
Enter BobIQ

Meet Bob. He's very good
at finding things.

Bob is short for Book of Business - and he's also the name of our detective. BobIQ (Book of Business Intelligence) is a standalone platform that becomes the single source of truth for your agency's commissions, client data, and revenue picture. Bob does the investigative work so you don't have to.

80+ carrier formats supported out of the box. AI that learns any new carrier's statement on first upload. 9+ discrepancy types detected, investigated, and resolved. And for the first time, 100% commission reconciliation is actually achievable - without consuming your entire week to do it.

  • Auto-retrieval: Bob collects statements without you logging into a single portal
  • 4-layer cross-check: CRM, enrollments, carrier statements, and bank deposits
  • 9+ discrepancy types detected and resolved - including AOR mismatch
  • Configurable AI autonomy: you decide how much Bob acts independently
  • Works with Zoho, Salesforce, GoHighLevel, HubSpot, AgencyBloc - or no CRM at all
See It In Action
The Case Files

Cases Bob solves every day.

Six recurring patterns that quietly cost agencies money. These are the kind of files that pile up in the corner of every agency until somebody decides to look. Bob looks every day.

Every carrier does it differently.

Log into 30 carrier portals. Download statements in a dozen different formats. Some pay current month. Some pay a month in arrears. Some won't pay until you hit a minimum threshold. Repeat every single month - or let Bob do it automatically.

Discrepancies don't announce themselves.

Unpaid premiums. Retroactive clawbacks. Policies that were cancelled but never updated. AOR mismatches that quietly redirected your commission. They're sitting in your book right now, invisible, costing you money every month.

Your carrier paid you. Was it right?

Between dual-enrollment cancellations, APTC adjustments, documentation holds, plan switches you didn't know about, and minimum book thresholds - the answer is almost never simple. And "not sure" costs you money.

Four sources of data. Four different answers.

Your CRM says active. Your enrollment platform says terminated. The carrier says pending. Your bank deposit says less than expected. Without a cross-check across all four, you'll never know what's actually true.

Finding a discrepancy is only step one.

Identifying it, classifying it, knowing who to contact, drafting the right message, updating your CRM, following up, and logging the resolution - that's the actual work. And most agencies don't have a system for any of it.

Most agencies haven't fully reconciled. Ever.

Not because they don't want to. Because it's genuinely, objectively, impossibly complicated to do manually. So it doesn't get done. And the gap between what you earned and what you received just keeps growing.

Four Core Capabilities

How Bob actually works.

Auto-retrieval. Multi-layer cross-check. AI investigation. Configurable autonomy. In that order.

Auto-Retrieval

Stop logging into 30 carrier portals every month.

Bob retrieves your commission statements automatically through a three-tier system. For carriers with portal access, an AI Agent logs in and downloads directly. For others, Scripted RPA handles scheduled retrieval. For anything else, forward the carrier's email to Bob - he reads it and extracts the data. 80+ carriers pre-configured from day one.

  • AI Agent: fully automated portal access for supported carriers
  • Scripted RPA: scheduled retrieval for carrier portals
  • Email Digest: forward carrier emails, Bob extracts the statement
  • 80+ carriers pre-configured, AI learns new ones on first upload
  • Handles CSV, Excel, and multi-page PDF formats

4-Layer Cross-Check

One source of truth isn't enough. Bob uses four.

Most commission tools check a statement against your policy list. BobIQ goes further - cross-referencing every record against your CRM, enrollment platform data, the carrier statement, and optionally your actual bank deposits. If the numbers don't agree at every layer, Bob finds it.

  • Layer 1: CRM records (Zoho, Salesforce, HubSpot, HighLevel, AgencyBloc)
  • Layer 2: Enrollment data (HealthSherpa, SunFire, Quotit, Connecture, and more)
  • Layer 3: Carrier statements (80+ formats, AI learns the rest)
  • Layer 4: Bank deposits via Plaid - optional, matches deposits to expected commissions
  • AI learns your commission structures after the first cycle - no manual rate entry needed
The Hero

AI Investigation & Resolution

Bob doesn't just flag discrepancies. He figures out what happened and tells you exactly what to do next.

When BobIQ finds a discrepancy, the work begins. The AI agent classifies it by type, investigates the root cause, and creates a specific next step - whether that's drafting an email to a carrier, generating an AOR mismatch report, updating your CRM, or escalating for your review.

Unpaid Premium Policy Cancelled Retroactive Clawback AOR Mismatch Rate Mismatch Period Mismatch Chargeback Dispute Documentation Hold Pending Verification
  • Drafts carrier emails for discrepancy resolution
  • Generates AOR mismatch reports for carriers and regulators
  • Updates CRM records with findings and resolution status
  • Auto-resolves high-confidence discrepancies based on your autonomy settings
  • Action cards show what's open, what's in progress, what's resolved
  • Every action logged to a full, searchable audit trail
  • 92% reconciliation rate achievable by month-end - working toward 100%

You Control the Autonomy

Tell Bob how much you trust him. He works within those limits.

Not every agency wants the AI to act independently. Some want to approve every email before it sends. Others are comfortable letting Bob handle it end-to-end and just want a daily summary. The autonomy setting is yours to configure - and to change as your comfort with the system grows.

This applies to everything: carrier emails, CRM updates, AOR mismatch reports, auto-resolutions. You decide what Bob does on his own and what waits for your approval.

Medium autonomy - Bob drafts, you approve

The default. Bob does the work. You retain final approval before anything sends.

    • Autonomy level applies to carrier emails, CRM updates, and report generation
    • Change your setting at any time - no restart required
    • Full audit trail at every level - nothing happens without a log entry
    • Build trust over time, expand autonomy as you get comfortable
    Watch Bob Solve One

    From spotted to solved.

    When Bob finds a discrepancy, this is what happens. Six steps from "something's wrong" to "logged and resolved."

    Aetna Statement - April 2026 14 records
    BFL-4821 · Anderson, K. expected $1,180
    BFL-4823 · Bell, T. expected $995
    BFL-4827 · Cortez, M. exp $1,416 $1,182
    BFL-4829 · Davis, R. expected $1,310
    BFL-4831 · Evans, S. expected $890
    $234 short on BFL-4827
    L1 CRM Cortez, M. - Active · Aetna Silver 70 Verified
    L2 Enroll HealthSherpa - Active · 4 members Verified
    L3 Carrier Aetna paid $1,182, expected $1,416 Short $234
    L4 Bank Bank deposit confirms $1,182 received Confirmed
    Pattern matched against 9+ discrepancy types
    Policy Cancelled Retroactive Clawback AOR Mismatch Underpaid Premium Rate Mismatch Period Mismatch Chargeback Dispute Documentation Hold Pending Verification
    B
    Bob · bob@curlinsurance.io
    Drafting
    To commissions@aetna.com
    Subject Payment Discrepancy - Policy BFL-4827 (April 2026)

    Hello Aetna Commissions team,

    I'm following up on a payment discrepancy on the April 2026 statement for policy BFL-4827 (Cortez, M.).

    Expected: $1,416 (4 members × $354 contracted rate)
    Received: $1,182 - short by $234

    Low
    Bob surfaces. You review and click send.
    Awaiting You
    Medium
    Bob drafts. You approve before send.
    Approve & Send
    High
    Bob sends, updates CRM, tells you in the digest.
    Auto-Sent
    ✓
    Discrepancy logged & carrier notified
    Aetna will respond within 14 days. Bob will follow up.
    Recovery Pending
    +$234.00
    Status
    Email Sent
    Audit Log
    #A1284
    CRM Updated
    Zoho ✓
    Step 1 of 6

    Bob spots a discrepancy.

    Aetna paid $1,182 for policy BFL-4827, but Bob expected $1,416 based on the contracted rate and 4 covered members. That's a $234 underpayment. Bob caught it the moment the statement landed.

    Click any step to jump · auto-advances every 5s
    Pre-Configured Carriers

    Bob speaks every carrier you do.

    100+ carrier formats supported on day one
    AI learns the rest - drop in any new carrier statement and Bob figures out the format on first upload.

    Hover any carrier to see its name. Don't see yours? Bob will learn it.

    CRM Integrations

    Plays nice with your CRM.

    Connect your source of truth in a few clicks. Bob reads in your client and policy data, then keeps it in sync going forward. No CRM yet? A spreadsheet works just as well.

    Don't see yours? Bob can connect via custom CSV import or via the Zapier / Make / n8n bridge. Tell us what you use.

    Enrollment Platform Integrations

    Connects to your enrollment platforms.

    Bob pulls policy and member data from the platforms where you actually enroll your clients. Map each one to a line of business and Bob handles the import and ongoing sync.

    Stride Health
    eHealth
    GoHealth
    + many more CSV import works for any platform

    Don't see yours? Bob can import any platform via CSV export. Drop the file in once and Bob learns the format on first upload.

    Bank Reconciliation - Optional Layer 4

    Match every deposit. Powered by Plaid.

    The optional fourth reconciliation layer. Bob compares actual bank deposits to expected commission payments, catching the cases where a carrier statement says one thing and the deposit says another. Read-only. Always.

    Plus 12,000+ U.S. financial institutions via Plaid. Connect any business bank account in under 60 seconds.

    The Reconciliation Journey

    100% reconciled by month-end.

    Here's the full pipeline Bob runs every day - from your source of truth all the way to a fully reconciled dashboard.

    The BobIQ Reconciliation Journey: Source of Truth, Auto-Retrieval, Reconciliation Pipeline, AI Investigation & Resolution, Output & Audit Trail, Your Dashboard

    Six stages, every month. Bob orchestrates the full reconciliation pipeline so you can spend your time writing new business, not chasing carrier statements.

    1

    Source of Truth

    Bob's master data hub is built on the system you already use - Zoho, Salesforce, HubSpot, GoHighLevel, AgencyBloc, or a spreadsheet. Every reconciliation decision starts here.

    Zoho Salesforce HubSpot HighLevel AgencyBloc CSV
    2

    Auto-Retrieval

    Three-tier cloud agents pull statements automatically: AI Agent for portal access, Scripted RPA for scheduled retrieval, and Email Digest for emailed statements. 80+ carriers pre-configured.

    AI Agent Scripted RPA Email Digest
    3

    Reconciliation Pipeline

    The multi-layer cross-check. Bob compares every record against your CRM, your enrollment platform, the carrier statement, and (optionally) your bank deposits via Plaid.

    L1 CRM L2 Enrollments L3 Carriers L4 Bank
    4

    AI Investigation & Resolution

    The hero of the pipeline. Bob investigates each discrepancy across 9+ sub-types, drafts carrier emails, generates AOR mismatch reports, updates your CRM, and auto-resolves the high-confidence ones.

    Drafts Emails Updates CRM AOR Reports Auto-Resolves
    5

    Output & Audit Trail

    Every action Bob takes is logged with full context. Action cards show what's awaiting reply, what's still under investigation, and what's resolved. Individual-client-level accuracy.

    Awaiting Reply Investigate Resolved
    6

    Your Dashboard

    The whole picture, at a glance. Expected vs. received, outstanding balance, open discrepancies, and a clear list of what still needs your attention. Refreshed continuously.

    Expected Received Outstanding Discrepancies
    See the Onboarding Journey →
    How We Compare

    Not your father's commission tool.

    The existing tools track what was paid. BobIQ tells you whether it was paid correctly - then investigates every discrepancy and resolves it.

    Capability Other Tools
    Traditional commission platforms
    Auto-retrieves statements from carrier portals ✕ Manual download from every portal required ✓
    4-layer cross-check including bank deposits ✕ Statement-to-policy matching only ✓
    AI investigates and resolves discrepancies ✕ Flags discrepancies, you figure out the rest ✓
    Configurable AI autonomy levels ✕ No AI agent ✓
    Works without a CRM ✕ Most require their own AMS or CRM ecosystem ✓
    80+ pre-built carrier parsers + AI learns new ones automatically ✕ Fixed carrier list, manual setup for new carriers ✓
    AI learns commission structures automatically ✕ Manual rate table configuration required ✓
    Detects AOR mismatches and generates reports ✕ No AOR mismatch detection exists elsewhere ✓
    Full audit trail - every AI action logged ✕ ✓
    Priced for every agency size, not just enterprise ✕ Enterprise pricing, enterprise complexity ✓
    Parses PDF commission statements ✓ Some do ✓
    Multi-level override hierarchy management ✓ Enterprise tiers only ✓
    Pricing

    Priced for every agency size.

    Solo to enterprise. Pick the tier that matches your book size today; scale up or down whenever it changes.

    Solo Agent
    Solo
    TBD / month
    • Commission reconciliation + auto-retrieval
    • AI investigation and resolution
    • AOR mismatch detection
    • Basic book health dashboard
    • HealthSherpa + 1 enrollment platform
    • Up to 500 active policies
    • Email support
    View a Demo
    Agency
    Agency
    TBD / month
    • Everything in Solo
    • Multi-agent dashboards (up to 10 agents)
    • Override hierarchy management
    • 1 CRM connector (Zoho, Salesforce, GoHighLevel, HubSpot, or AgencyBloc)
    • Unlimited enrollment platforms
    • Up to 2,500 active policies
    • Bank reconciliation via Plaid (optional)
    • Priority support
    View a Demo
    Enterprise
    Enterprise
    Custom
    • Everything in Agency
    • Unlimited agents
    • Multi-level override hierarchies
    • Multiple CRM connectors
    • Custom reporting & API access
    • Unlimited active policies
    • Dedicated onboarding & support
    • GA / IMO / FMO structures
    Contact Us

    Exact pricing is in development. Request a demo and be first to know - early users receive preferred pricing.

    From the Field

    What agencies are saying.

    Placeholder - Add real quote

    "I knew we had commission discrepancies but I had no idea how many. BobIQ found 34 open items in the first run - including an AOR mismatch I never would have caught. It drafted the carrier email for me. I just reviewed and hit send."

    [PLACEHOLDER] Jane Mitchell
    Mitchell Benefits Group, FL
    Placeholder - Add real quote

    "We were reconciling with Excel and two days of someone's time every month. BobIQ retrieves the statements automatically and flags every discrepancy. We recovered over $4,000 in underpayments in the first quarter without lifting a finger."

    [PLACEHOLDER] Ramon Gutierrez
    Gutierrez Insurance Agency, TX
    Placeholder - Add real quote

    "The autonomy settings are what sold me. I started on Low - Bob flags everything, I approve every action. Three months in I moved to Medium. The AI drafts the carrier emails, I just review them. It's genuinely changed how we operate."

    [PLACEHOLDER] Angela Thornton
    Thornton Health Insurance, GA
    Wherever your commissions are,
    Bob will find them.

    Auto-retrieval. 4-layer cross-check. AI investigation. Full audit trail. 100% reconciled by month-end.

    View a Demo

    No commitment. No CRM required. BookofBusinessIQ.com