Insurance regulation, decoded.
Life and annuity carriers answer to 51 regulators, the IRS and their own auditors, and the rules never stop changing. We're building a smarter way to keep pace, designed by people who have built the systems carriers run on.
Regulation moves faster than core systems do.
Every carrier carries this risk. Few can see it clearly until an exam, a complaint or a fine brings it to the surface.
Every state does it differently
Each state, plus federal tax law, sets its own requirements for the same products and the same transactions.
The rules keep changing
Statutes are amended, rates move and new federal rules arrive. What was right last year may not be right today.
Knowledge doesn't scale
Regulatory know-how lives in spreadsheets and with a few experts. When they're busy or gone, the risk grows quietly.
Regulators fine carriers every year for compliance failures. We think much of that is preventable.
Built for the people who answer for it.
Less regulatory risk
Fewer surprises, fewer penalties and fewer costly remediation projects.
Change with confidence
Move faster on platforms and products without putting compliance at risk.
Clarity at exam time
Know where you stand before the regulator asks.
Manojkumar R
- Experience
- 20+ years in the insurance industry
- Focus
- Life and annuity products
- Leadership
- Product and delivery teams
Built by an insurance insider.
Manojkumar has spent more than 20 years in the insurance industry, building and leading the products carriers depend on.
RegDecoded comes from seeing first-hand where regulation and core systems drift apart, and how much better it could be handled.
See what we're building.
We're sharing early work with a small group of life and annuity carriers and platform vendors. Request a private, 20-minute briefing.