Insurance billing software we provide

Insurance billing software that ends the premium reconciliation backlog

Endorsements, installments, agency statements, and partial payments pile up faster than your team can match them. We build billing software that uses AI to match payments, predict lapses, and keep every policy’s balance right.

Why insurance billing is harder than it looks

An insurance invoice is never just an invoice. A mid-term endorsement changes the premium. A cancellation creates a pro-rata refund. An agent remits net of commission, a week late, for 40 policies at once. Each event touches the policy, the payment, the commission, and the ledger.

Svitla builds insurance billing software that handles all of these events in one place. Billing plans, payments, commissions, and collections follow your products and jurisdictions. Your team stops fixing balances by hand and starts working the exceptions that matter.

Who we serve

Direct bill carriers

You bill policyholders directly across personal or small commercial lines. You need flexible installment plans, digital payments, and fewer lapses.

Agency bill and commercial lines

Agents collect premium and remit net of commission. You need accurate statements, fast reconciliation, and clear aging by agency.

MGAs and program administrators

You bill on behalf of several carriers and programs. You need carrier-specific rules, trust accounting, and bordereaux that reconcile.

Challenges we address

Billing sits between policy, finance, distribution, and the customer. When any of those changes, billing has to change too. Most legacy billing tools can’t keep up with new products, payment methods, or state rules.

Unmatched payments

Challenge: Payments arrive without policy numbers, for the wrong amount, or bundled for many policies. They sit in suspense for weeks.

How Svitla solves it: AI matches payments to policies using names, amounts, references, and history, and routes only true exceptions to staff.

Endorsements that break the schedule

Challenge: Mid-term changes force manual recalculation of installments, refunds, and fees.

How Svitla solves it: The billing engine re-spreads premium automatically according to plan rules and jurisdiction.

Lapses that could have been saved

Challenge: Cancellation notices go out on a fixed schedule, regardless of the customer’s history or risk.

How Svitla solves it: Lapse prediction flags at-risk policies early and triggers reminders, payment options, or agent outreach.

Agency statements that never reconcile

Challenge: Agents remit net of commission with their own math. Differences pile up in aging reports.

How Svitla solves it: Statements, remittances, and commissions reconcile line by line, with disputes tracked to resolution.

Our process at Svitla

STEP 1

Map every billing event

We document your products, billing plans, payment channels, and the events that change a balance, state by state.

STEP 2

Build and migrate in parallel

We build the billing engine and integrations while converting historical balances. Both systems run side by side until totals match.

STEP 3

Launch and reduce exceptions

After go-live, we track suspense, lapse, and reconciliation metrics and tune rules and models with your team.

Schedule a call

Billing plan configuration

Sets up pay-in-full, installment, and pay-as-you-go plans.

Applies fees and rules by product, program, and state.

Premium and endorsement handling

Re-spreads premium after endorsements automatically.

Calculates pro-rata and short-rate refunds.

Payments and digital channels

Accepts cards, ACH, digital wallets, and autopay.

Offers self-service portals and text-to-pay.

AI payment matching

Matches payments to policies from partial information.

Learns from staff corrections over time.

Agency bill and commissions

Produces agency statements and reconciles remittances.

Calculates commissions, chargebacks, and splits.

Delinquency and lapse prevention

Predicts lapse risk for each policy.

Runs reminder and notice workflows by state rules.

Disbursements and refunds

Issues refunds, return premium, and agent payments.

Handles escheatment of uncashed checks.

Accounting and reporting

Posts entries to the general ledger automatically.

Reports aging, suspense, and cash by line and state.

Is custom insurance billing software the best option for your needs?

Answer a few simple questions to find out whether you should choose a custom solution or a pre-built insurance billing platform.

1 / 9

Do unmatched payments sit in suspense for more than a few days?

Do mid-term endorsements require manual billing recalculation?

Do you handle both direct bill and agency bill?

Have you outgrown the billing module in your policy administration system?

Do you bill for several carriers, programs, or states with different rules?

Would AI lapse prediction help you keep more policies in force?

Do you need modern payment options such as wallets or text-to-pay?

Do you plan to launch new products or enter new states soon?

Important integrations for insurance billing software

Policy administration systems

Policy, premium, and endorsement events in real time.

Payment gateways and banks

Card, ACH, lockbox, and wallet payments, with daily settlement files.

Agency management systems

Statements and remittances exchanged with agents’ systems.

General ledger and ERP

Automatic journal entries and reconciliation.

CRM and customer portals

Balances, payment history, and self-service actions.

Communication platforms

Email, SMS, and print vendors for notices and reminders.

Data warehouse and BI tools

Billing data for finance and actuarial reporting.

Better retention

Early outreach to at-risk customers.

More payment options at the right moment.

Faster cash application

Smaller suspense balances.

Less manual matching.

Lower operating cost

Automated endorsements and refunds.

Fewer calls about billing errors.

Cleaner agency relationships

Fewer commission disputes.

Shorter agency aging.

Lower compliance risk

Correct notice periods by state.

Full audit trail of notices and fees.

Faster product launches

Configurable billing plans.

New states added through rules.

Billing rules and event discovery

We catalog every product, billing plan, payment channel, and balance-changing event. Each rule becomes a testable scenario, including edge cases such as reinstatement after a partial refund.
Billing engine and integrations

We build the billing engine, payment handling, commissions, and ledger posting. We test integrations with policy, payment, and agency systems using real event streams.
AI models and customer channels

We train payment-matching and lapse-prediction models on your history. We build and test portals, autopay, and reminders with real customer journeys.
Data migration and parallel run

We convert balances, schedules, and history, then run both systems side by side. Go-live happens only when balances and cash match to the cent.

How much does insurance billing software cost?

A focused billing solution for an MGA, insurtech, or single line of business typically costs $120,000 to $250,000. It covers billing plans, digital payments, and ledger posting. A multi-line carrier platform with direct and agency billing, commissions, AI payment matching, lapse prediction, and multi-state rules typically costs $350,000 to $900,000. Large carrier replacements with extensive migration can cost more. The final cost depends on products, states, and integrations.

Want to understand the cost of your insurance billing software?

Calculate the cost

Check our client success cases

Spend Data Analysis Solution

Project Type Web Development

Industry Financial Services

Uncover the ways we revitalized a spend analysis software by transitioning it to a cloud-based solution with a new tech stack and microservices architecture, significantly enhancing scalability and performance while continuously supporting its evolution with new features and improvements.

InvoiceASAP

Project Type Mobile Development

Industry Financial Services

Discover how we enhanced InvoiceASAP, a mobile invoicing network, by developing new features, increasing app accuracy, and improving reporting and visualization. With a dedicated development and QA team, we expanded capabilities, improved stability, and enhanced user experience.

CRMa

Project Type Web Development

Industry Financial Services

Find out how we built a comprehensive platform for CRMa, incorporating a Ruby on Rails web application and a self-service tool for calculating Allowance for Loan and Lease Losses (ALLL), facilitated by a dedicated development team and a mature test automation framework, enabling extensibility and sophisticated financial analysis.

Consulting

We review your billing rules, channels, and systems, then define the scope and migration path.

Engineering

We build billing engines, payment channels, and integrations around your products and distribution.

Modernization

We audit your legacy billing system and plan the conversion. The new platform adds AI payment matching and configurable plans the old system lacked. We cut over after a parallel run and validate every balance.

FAQ

Should billing stay inside our policy administration system?

It can, if your products and distribution are simple. Separate billing makes sense when you have agency billing, several carriers or programs, or complex payment plans. We help you decide before building.

How do you migrate open balances safely?

We convert balances, schedules, and history, then run both systems in parallel. We reconcile every policy’s balance and every cash total before cutover.

How accurate is AI payment matching?

Accuracy depends on your payment data. The model shows a confidence score for each match. High-confidence matches post automatically, and the rest go to staff with suggested policies.

How do you handle different state rules?

Notice periods, fees, and refund methods are set as rules by state and product. When a regulation changes, you update the rule, not the code.

Can agents see their statements and pay online?

Yes. Agents can get a portal with statements, commission details, and online remittance. They can raise and track disputes in the same place.

Is the platform PCI DSS compliant?

We design payment handling to meet PCI DSS. Certified gateways tokenize card data, so it never sits in your billing database.

Clear your suspense account within one quarter

Tell us about your products and billing process. We’ll show you what custom insurance billing software could fix first.

Insurance billing software we provide

Insurance billing software that ends the premium reconciliation backlog

Endorsements, installments, agency statements, and partial payments pile up faster than your team can match them. We build billing software that uses AI to match payments, predict lapses, and keep every policy’s balance right.

Why insurance billing is harder than it looks

Who we serve

Direct bill carriers

Agency bill and commercial lines

MGAs and program administrators

Challenges we address

Unmatched payments

Endorsements that break the schedule

Lapses that could have been saved

Agency statements that never reconcile

Our process at Svitla

Map every billing event

Build and migrate in parallel

Launch and reduce exceptions

Billing plan configuration

Premium and endorsement handling

Payments and digital channels

AI payment matching

Agency bill and commissions

Delinquency and lapse prevention

Disbursements and refunds

Accounting and reporting

Is custom insurance billing software the best option for your needs?

Almost done

Thank you!

Important integrations for insurance billing software

Policy administration systems

Payment gateways and banks

Agency management systems

General ledger and ERP

CRM and customer portals

Communication platforms

Data warehouse and BI tools

Better retention

Faster cash application

Lower operating cost

Cleaner agency relationships

Lower compliance risk

Faster product launches

Billing rules and event discovery

Billing engine and integrations

AI models and customer channels

Data migration and parallel run

What would your billing team do without the reconciliation backlog?

How much does insurance billing software cost?

Estimate the cost of your insurance billing solution

What is the main goal of the solution?

Where are you today?

Which billing models do you need?

How many policies in force?

Which systems should it connect to?

Which AI capabilities do you need?

What is your timeline?

What is your budget range?

Almost done

Thank you!

Check our client success cases

Spend Data Analysis Solution

InvoiceASAP

CRMa

Consulting

Engineering

Modernization

FAQ

Should billing stay inside our policy administration system?

How do you migrate open balances safely?

How accurate is AI payment matching?

How do you handle different state rules?

Can agents see their statements and pay online?

Is the platform PCI DSS compliant?

Clear your suspense account within one quarter