Demo Independent Agency · Synthetic Texas P&C bookSynthetic demo

Advisor Packet

A CPA packet should make validation easier, not ask for blind trust.

The packet is structured as a review artifact. It gives carriers, CPAs, attorneys, lenders, and agency principals the specific questions they need to validate before Pexara makes customer-facing claims.

Packet preview

Recovery findings, accounting treatment, legal boundaries, and lender questions in one place.

Export stays disabled in this synthetic portal. In a real workflow, this would become a controlled PDF or data room bundle after source review and consent.

Carrier packets

4

CNA, Berkshire GUARD, Safeco, Nationwide

Open findings

5

Rate, clawback, and missing-payment checks

Advisor sections

5

Carrier, CPA, attorney, lender, licensing

Data mode

Demo

Synthetic evidence only

Carrier recovery appendix

Findings to validate line by line

CNA

FAKE-CNA-100000

$3,148

Chargeback exceeds prior paid

Dispute excess clawback with carrier; request transaction-level support.

Berkshire GUARD

FAKE-BER-100000

$176

Paid below expected rate

Request rate correction from carrier; verify commission agreement for this LOB/term.

Safeco

FAKE-SAF-100001

$80

Paid below expected rate

Request rate correction from carrier; verify commission agreement for this LOB/term.

Safeco

FAKE-SAF-100000

$70

Paid below expected rate

Request rate correction from carrier; verify commission agreement for this LOB/term.

Nationwide

FAKE-NAT-100000

$35

Active policy missing payment

Query carrier for missing period payment; verify policy/billing status.

Dataroom checklist

What the packet can and cannot include

Commission statements parsed and footed

ready

AMS/book export

ready

Recovery packets

ready

Renewal worklist

ready

Contingency contracts

missing

Carrier production reports

missing

Financial statements

missing

Lender-calibrated valuation

gated
Advisor routing

Carrier recovery verification

Agency principal / carrier rep

  • Verify each finding against the cited statement line.
  • Confirm commission agreement rate and carrier payment timing before dispute.

Bookkeeper / CPA review

CPA or bookkeeper

  • Confirm recovered commissions are recorded in the correct period.
  • Separate direct-bill commission timing from agency-bill trust accounting.

Attorney / DUA

Agency counsel

  • Execute DUA before real artifacts are accepted.
  • Review client-data handling, deletion, and non-advice language.

Lender underwriting packet

Agency lender

  • Use reconciled commission history, renewal calendar, carrier concentration, and retention proof as collateral story inputs.
  • Valuation band remains demo-only until lender co-calibration.

Licensing perimeter

Pexara / counsel

  • No compensation on sale of insurance.
  • No M&A success fee or agency sale advice.
  • Partner fees only on disclosed finance/service routes.