cXc Solutions — Distribution Management for Insurance

The Market Problem

Decades of point solutions. None of them connected.

For decades, insurance distribution has been managed through a patchwork of legacy agency management systems, commission spreadsheets, disconnected compliance trackers, and manual client money reconciliations. Each system solves one problem in isolation. None of them talk to each other. The result is leakage, errors, regulatory exposure, and operational overhead that the industry has simply normalised.

The market needed a platform designed from first principles — cloud-native, event-driven, and regulatory-first — with every capability connected through a single data model. Not an AMS with a commission bolt-on. Not a compliance tool with a reporting module. One system where every counterparty, every agreement, every premium, and every commission is reconciled against everything else, automatically.

That platform is cXc Distribution Management.

What cXc Addresses

Fragmented counterparty data

Today: Producers exist in multiple systems with no single source of truth for licences, agreements, and risk status.

cXc: One central repository — every carrier, MGA, broker, and agent, always current, always compliant.

Commission leakage and errors

Today: Month-end manual runs produce error rates of 8–12%. Disputes, overpayments, and missed profit commissions are the norm.

cXc: Commission-to-policy matching on every bind, reconciled automatically. Error rate below 1%.

Regulatory compliance as afterthought

Today: NIPR, OFAC, CASS, and AML controls exist in separate tools or spreadsheets — point-in-time, not continuous.

cXc: Compliance embedded in platform architecture — sanctions, licences, and client money monitored daily.

No hierarchy-driven control

Today: Producer hierarchies and territory structures not enforced — override credits, capacity allocation, and supervisory responsibility misaligned.

cXc: Producer hierarchy and territory management built in — performance, compliance, and compensation tied to the right people and regions.

Platform Benefits

Measurable outcomes across every segment.

Operational Efficiency

Replace manual processes across every distribution workflow — from producer onboarding to period-close reconciliation.

→40–60% distribution management cost reduction

→Month-end close: 3 weeks → 2 days

→50–70% faster producer onboarding

Financial Accuracy

Every commission, every statement, every client money movement matched and reconciled automatically.

→Commission error rate below 1% vs industry avg 8–12%

→$200K+ leakage recovered annually

→>98% bordereaux first-pass acceptance

Regulatory Confidence

CASS 5/7, NAIC, OFAC, AML/CFT — built into platform architecture, not managed in separate tools.

→Resolution pack — FCA-ready on demand

→80% reduction in regulatory breach incidents

→Audit evidence available instantly

Figures reflect industry benchmarks and outcomes observed in cXc deployments. Full methodology and case studies available in our Resources library.

Choose Your Segment

Planned

Three segments. One platform. Each with its own dedicated solution.

Segment-specific capability is in development. What follows describes what cXc will deliver for each segment, not what is available today. Talk to us about timelines and early access.

Planned

Insurance Carriers

cXc will eliminate commission leakage, enforce producer hierarchy, and give you real-time visibility across every channel — from first appointment to annual renewal.

Planned: commission-to-policy reconciliation on every bind

Planned: real-time producer performance across hierarchy

Planned: continuous licence and sanctions monitoring

See what's planned

Planned

MGAs & MGUs

cXc will monitor binding authority in real time, automate bordereaux, and prove profitability to carriers — with the operational infrastructure to scale your coverholder network.

Planned: real-time DA utilisation vs treaty limits

Planned: automated bordereaux, targeting hours not days

Planned: profit commission calculation and recovery

See what's planned

Planned

Brokers & Agencies

cXc will replace manual commission processes, support your CASS 5 obligations, and give producers the self-service transparency that keeps them from calling the ops team.

Planned: CASS 5/7 support, including the resolution pack

Planned: producer self-service, targeting 90% fewer inquiry calls

Planned: continuous compliance monitoring at scale

See what's planned