Catalog, value chain
Distribution & Sales
Who sells it, and is it sold right the first time?
Distribution is the first line: the people and partners who sell. The AI-native version gives them the rule and the reason at the moment of sale, so compliance becomes something done at the point of sale rather than discovered afterwards.
Every workflow, today and AI-native
Owned by channel management, agency operations, marketing.
| Workflow | Today | AI-native |
|---|---|---|
| Channel and partner management | Agency and partner performance is reviewed on volume, with operating risk and commission policy looked at separately or not at all. | Each channel partner has a live operating-risk and commission-policy profile built from its own contracts, persistency and complaint history. |
| Agent lifecycle | Appointment, licensing, training and termination checks run on paper and are hard to reconstruct later. | Every appointment, licence and termination decision carries its evidence, and gaps are flagged before the agent sells. |
| Needs analysis and proposal | Suitability depends on the individual agent's judgment and the product they know best. | Customer facts are matched to suitable products, with the reasons shown, so the agent recommends from the whole shelf. |
| Point-of-sale suitability | Replacement, comparison-notice and disclosure duties are checked after the sale, by sampling. | The duties are checked before the sale closes, against the customer's existing contracts and the rule in force that day. |
| Agent knowledge and support | Product and rule questions go to a help desk or to whoever the agent trusts. | Agents get answers that cite the product document or rule they came from, and the answer stays current as the documents change. |
| Incentive and compensation | Commission schemes are modelled once a year and their side effects on persistency and conduct show up later. | Commission and clawback scenarios are simulated against the actual book before a scheme changes. |