Embedded contracting is in beta. Availability and workflow details may change as we work with early customers.
One contracting flow for every carrier
Every carrier wants contracting paperwork delivered differently: as a PDF, by email, by fax, through a web form, or keyed into the carrier's own portal. In InsureTrek, the flow is the same for every carrier. You enter producer information once, and InsureTrek delivers it to each carrier in the format that carrier accepts. Contracting status lives on the same producer record you already use forlicensing,appointments, andhierarchy.
Contracting is the slowest step of onboarding
A producer can be fully licensed and still sit idle for weeks waiting on carrier paperwork. Contracting is the slowest step of onboarding. Each carrier has its own forms and its own intake process, and a submission missing a single field bounces back for correction and resubmission.
The intake process is the part nobody sees until they're in it. One carrier wants a completed PDF. Another wants the paperwork emailed, or faxed, or entered into a web form, or keyed into the carrier's own portal. An agency contracting producers with more than a few carriers ends up running a different process for each one.
InsureTrek absorbs that difference. Users go through one flow with one set of inputs, and InsureTrek delivers the information to each carrier in the form that carrier accepts. For carriers that take submissions through their own portal, an AI agent enters the information there.
Contracting status also lives on the same producer record as licensing and appointments, so the full path from licensed to contracted to appointed is visible in one place.
Delivered the way each carrier wants it
One flow inside InsureTrek. On the other side, InsureTrek sends each carrier its paperwork in the format that carrier accepts: PDF, email, fax, a web form, or the carrier's own portal.
The experience doesn't change from carrier to carrier. The screens and inputs are the same whether the carrier takes a PDF attachment or wants data entered into its portal. InsureTrek handles the delivery, and for carrier portals an AI agent does the data entry. The complexity of each carrier's intake method lands on InsureTrek instead of on your team.
One record for licensing, appointments, and contracting
Contracting status sits on the same producer record as licensing and appointments, with no separate contracting tool to reconcile against.
When contracting lives apart from the rest of a producer's compliance record, someone has to reconcile the two to answer a simple question: is this producer ready to sell? Keeping everything on one record removes that step. It also means producer data entered once, like name, NPN, and license details, carries into every contracting request without being re-keyed per carrier.
Incomplete submissions, caught before they reach the carrier
A submission that's missing information gets flagged inside InsureTrek, before it goes to the carrier and bounces back.
Carriers call an incomplete or incorrect submission NIGO, short for Not In Good Order. A NIGO rejection after submission means the delay compounds: time waiting on the carrier's first review, then time resubmitting, then time waiting again. Catching the same issues before submission turns a multi-round back-and-forth into a single clean pass.
Early access with the product team
Beta customers work directly with InsureTrek's product team to shape the contracting workflow before general availability.
Contracting connects downstream to appointment activation, closing the chain from licensed to contracted to appointed to ready-to-sell. Early access customers help define how that connection works before it rolls out broadly.
How it works
- 1
Join the beta.
Talk to InsureTrek about adding embedded contracting to your account.
- 2
Start contracting in one flow.
Enter producer information once. The screens and inputs are the same no matter which carrier you're contracting with.
- 3
InsureTrek delivers to the carrier.
Each carrier receives the paperwork in the format it accepts, and contracting status shows up next to license and appointment status on the producer's record.
Frequently asked questions
How does InsureTrek get the paperwork to each carrier?
In whatever format the carrier accepts: PDF, email, fax, the carrier's web form, or the carrier's own portal. For portals, an AI agent enters the information. Inside InsureTrek, the flow is the same regardless of which delivery method the carrier uses.
What does NIGO mean and why does it matter?
NIGO stands for Not In Good Order, a carrier's term for a contract submission that's missing information or filled out incorrectly. A NIGO submission bounces back for correction and resubmission, which is one of the biggest sources of delay between a producer wanting to sell and actually being able to. Catching NIGO issues before submission is the point of embedded contracting.
How long does carrier contracting typically take?
It depends on the carrier and how clean the submission is. A contract with missing fields or a NIGO resubmission can add days or weeks to a process that should take a fraction of that. Embedded contracting is built to catch those issues before a carrier does.
Can one producer's data populate multiple carrier contracts?
Yes. Producer data entered once, including name, NPN, license, and appointment details, populates each carrier's contracting paperwork, instead of being re-keyed by hand for every carrier a producer contracts with.
What's the difference between being contracted and being appointed?
Contracting is the agreement between a producer and a carrier that sets the terms under which the producer can sell that carrier's products. Appointment is the state-level registration that follows once a contract is in place. A producer can be licensed and contracted but not yet appointed, and isn't ready to sell until all three line up.
Is embedded contracting available to every customer?
It's currently in beta. Talk to InsureTrek to find out if your organization is a fit for early access.
Which carriers does contracting support?
Contact InsureTrek to confirm current carrier coverage.