MutualOS Sign in Demo
For mutuals, MGAs and brokerages

The machine does the routine. People make the calls.

Policy, billing, claims and finance on one API. Anything that binds, cancels or moves money waits for a person.

My work
My work: overdue payments, complaints, member requests and renewals waiting on one person

Real screens from the demo. Every member, policy and amount in them is made up.

Mutual carriers

Write, bill, adjust, report

Home and Ontario auto, renewal to claim to OMIA file.

MGAs

Your products, your rules

Products, rates and authority set up by you.

Brokerages

Run the brokerage

Markets, placements, commission and renewals.

Never rewrite history

Every change, with both dates.

When it applies, and when you knew it. Ask any policy what it said on any day.

Policy · History
A policy's history with a back-dated change, its effective and recorded dates
Machine-first

Jobs, rules and the assistant do the work.

Every action lands in the policy's Full activity, with who or what did it.

Automations
Policy · Full activity
Full activity: emails, AL3 files and payment runs made by the system
Admin-first

Change the screens yourself.

Fields, pages, rules and letters. Dated, tested on sample policies, then published.

Our principles
Administration · Screens
The screen builder with the home quote's insured page in draft
Packages Built

Mutuals share what works.

One mutual's questions, rules and letters, installed by the next in minutes. Never code, never member data.

How packages work
In it today

A whole insurer's system.

Policy

  • Home and Ontario auto, quote to renewal
  • Back-dated and out-of-sequence changes
  • Next term kept current Built

Billing

  • Instalments, PAC, cards on file
  • Household statements and payments
  • Reminders and refunds on their own

Claims

  • First notice to close, part by part
  • Auto accident benefits and deadlines
  • Recoveries and catastrophe tags

Finance

  • Ledger, payables, bank reconciliation
  • Statements, P&C-1, IFRS 17 view
  • Cheques and EFT, second approver

Brokers

  • Quotes from CSIO applications and AL3
  • Daily AL3 over CSIOnet
  • eDocs to broker systems

Assistant

  • Ask from any screen
  • Prepares; you confirm
  • Claude or any AI client over MCP

No numbers here yet. We publish what runs today. Customer results come when we have them.

See a mutual's day in fifteen minutes.