Each day premium money sits unmanaged, you’re losing money.
Advance is a financial platform that gives insurance organizations control, visibility, and yield on premium balances. Launch within days without disrupting your operations.
Trusted by industry leaders
The Problem
Premium money deserves better than a passive account
Money moves too slowly
Premium dollars move through disconnected systems, creating delays at every step. Funds that should be working sit idle while your team waits on outdated processes.
Your tools can’t see what’s coming
Spreadsheets and manual processes are inherently reactive. By the time your team catches a discrepancy or a missed payment, the cost has already compounded.
Funds live in silos
Premium balances are scattered across multiple accounts, banks, and spreadsheets. Getting a clear picture of your cash position means logging into four different places.
Idle balances earn nothing
Most organizations hold significant premium balances in standard accounts earning little to nothing. Every day those dollars sit unmanaged is money left behind.
Our Solution
A financial platform purpose-built for insurance
Meet Addie AI
Tasked with managing transactions, account summaries, and more
Yield
Your premium trust accounts earn up to 3% APY* while staying fully segregated and compliant. No minimums, no extra accounts, no cost. Your money works while it waits to move.
advancehq.com
Balance & Yield
$1.2M
Total yield
3%
Avg yield rate
$2.1M
Projected annual
40k
30k
20k
10k
0
Jan
Feb
Mar
Apr
May
Jun
Jul
Yield
Accuracy
Every carrier statement, every premium, every commission, matched automatically. Addie AI catches the gaps before they become problems, so your team never has to chase a missing payment again.
wholesaler
Broker
Broker
Broker
Automatic AI Detection
Payments
Every premium collected, every carrier paid, every commission split automatically. Your money moves on time, every time, with yield earned while it waits.
INV-150 received on
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invoice_date
$5,128.12 locked in
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premium_trust
Funds earning
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4.8% APY
while held
AUTO-REMITTANCE
Carrier Payment
$4,358.90
Scheduled · May 18
AUTO-COMMISSION
Agency + Producer
$4,358.90
Scheduled · May 18
Visibility
Every premium, every carrier obligation, every trust balance, visible in real time. Compliance-ready, always. No spreadsheets, no guesswork.
Real time Balance View
$8,9M
Total available
Premium trust breakdown
1.8x
Trust Ratio
$1.2M
Excess Premium
Platform overview
Everything you need in one place
Bill pay, wire transfers, ACH, and check capabilities. Manage fewer banking relationships while maintaining full operational control using AI that learns your operations.
SOC 2 Type II compliant
Our control systems meet the highest third-party standards, independently audited across data storage, processing, and transfer.
Works alongside your systems
Advance integrates with your existing stack. No rip-and-replace. Your team keeps the tools they know while gaining a dedicated premium money platform.
Live in a week
No multi-month implementation or AMS replacement required. Get running quickly without disrupting existing workflows.
“Advance gave us yield on premium funds we hold in trust that previously generated no return. The platform makes managing our premium trust accounts straightforward while replacing manual work with a structured process and increasing visibility into our funds flow.”
Alex Bargmann
CEO, Pathpoint Insurance
Frequently Asked Questions
Is Advance a bank?
No. Advance is a financial technology company that provides a financial platform built for insurance. We work with banking partners to provide insurance-native infrastructure designed specifically to manage premium money flows.
How long does it take to go live?
Most organizations are live within a week. There is no multi-month implementation, no AMS replacement, and no disruption to your current operations.
Does Advance replace our existing systems?
No. Advance works alongside your current tools. We are not an AMS or a rip-and-replace solution. Your team keeps its existing workflows while gaining a dedicated platform for premium money.
Who is Advance built for?
Advance serves MGAs, retail agencies, and wholesale brokers. If your organization handles premium money and wants more control, visibility, and yield on those balances, Advance was designed for you.
Are there minimum balance requirements?
No minimums. You earn yield on your premium balances from day one, regardless of account size.
Do you offer back-office or bookkeeping services?
Yes. Advance partners with insurance-native bookkeeping professionals to offer white-labeled back-office operations as a service. One relationship, less complexity for your team.
