For Insurance Businesses
One platform for every layer of the distribution chain.
Carriers, MGAs, and brokers each face a different version of the same problem — fragmented systems, unreconciled flows, and audit work that pulls senior staff off the desk. cXc will govern every counterparty, every agreement, and every commission across all three.
The segment capability described on this page is in development and not yet generally available. It sets out what cXc will deliver. Talk to us about timelines and early access.
Get in Touch →Carriers
PlannedControl your distribution network, stop the leakage.
Producer licences, commission statements, sanctions screening, and hierarchy each live in a different tool — none reconciled in real time. The result: 8–12% commission error rates, mid-term licence breaches, and audit prep that pulls senior staff off operational work for days.
cXc will consolidate licensing, sanctions, commission, and statement generation into a single data model reconciled in real time. It is designed to bring commission error rates from the industry average of 8–12% to below 1%, and to move compliance from quarterly audit prep to continuous, evidenced monitoring.
Real-time commission accuracy
cXc will match commission to policy on every bind, with producer-by-producer reconciliation refreshed live rather than at month-end.
Producer hierarchy enforced
cXc will tie territories, override credits, and supervisory responsibility to one hierarchy, applied across every workflow.
Continuous monitoring
cXc will capture licence, sanctions, and CASS evidence daily, with the aim of removing quarterly audit prep cycles.
MGAs & MGUs
PlannedProve profitability. Protect your capacity, govern your network.
The MGA sits between two principals — and most platforms record what was bound, not what may be bound. The MGA occupies a dual position — simultaneously a distribution partner to the carrier and a principal to the retail chain below. cXc Distribution Management is being built for that exact complexity.
cXc will enforce every authority parameter — class limits, capacity caps, territorial scope — at the moment a risk is bound, so that breaches are prevented rather than reported after the fact. Multi-tier commission flows, sub-delegation chains, and dual regulatory exposure will be modelled natively.
Authority enforced at bind
cXc will check class limits, capacity caps, and territorial scope before bind, rather than recording them after.
Sub-delegation governance
cXc will govern sub-coverholders, retail agents, and brokers by the authority limits passed down the chain.
Auto-generated bordereaux
cXc will generate bordereaux from live DA positions, reconciled against treaty terms, targeting first-pass acceptance over 98%.
Real-time DA utilisation
cXc will monitor aggregate GWP, per-risk utilisation, and territorial coverage live across the full coverholder network.
Commission waterfall in executable logic
cXc will calculate every tier of the commission hierarchy automatically — base, override, contingent, profit commission, and chargeback.
Brokers & Agencies
PlannedBrokers serve clients. Agents serve carriers. No one built the system that serves them all.
The line between broker and agent blurs in practice — many retail brokers also hold agency appointments and act in dual capacity. This is a regulatory and financial governance issue, which is why the CASS agency status determination exists as a formal, mandatory process in the UK. Your client money sits under CASS 5 — not CASS 15, which has been the FCA's safeguarding regime for payment and e-money firms since 7 May 2026.
cXc will determine CASS agency status automatically from your TOBA portfolio, then support every CASS 5 and CASS 7 obligation in real time rather than at quarter-end. Every commission will be traceable to its agreement, class, and policy, and producers will see their own statements through self-service — designed to cut commission inquiry calls by 90%.
CASS by design
cXc will auto-determine CASS agency status from TOBA, run daily CASS 7 reconciliation, and keep a resolution pack continuously assembled to the standard CASS 15 sets.
Commission to agreement
cXc will make every commission traceable to its agreement, class, and policy — not just a producer ledger.
Producer portal
Producers will see their own statements and history, with the aim of cutting commission inquiry calls into the ops team by 90%.
Segregation applied at receipt
cXc will encode agency status determination at TOBA execution and apply the correct segregation treatment automatically on every premium receipt, with the aim of eliminating commingling incidents.
Continuous licence and appointment monitoring
cXc will check state licences, carrier appointments, FCA authorisations, OFAC status, and E&O currency daily.