Personal lines
Customer/household CRM, policy records, quote/bind workflows, service, retention, carrier intake, commissions, portals, and documents.
Lines of Business
One relationship can span more than one kind of insurance.
Okiova’s current multi-line foundation connects personal P&C, businesses, Commercial, Life, Health, and Medicare records without duplicating the person behind them.
Personal P&CCommercialLife + Health + Medicare
Business relationships
Businesses can capture legal/DBA identity, industry, NAICS, revenue, payroll, employees, locations, contacts, and commercial policy relationships.
Life records
Support for term, whole, universal, IUL, final expense, group life, insured/owner/payor/beneficiary relationships, face amount, term, and underwriting status.
Health records
Individual, family, group, dental, vision, supplemental, subscriber/member, plan-level, and employer/group relationships with specialty access controls.
Medicare records
Medicare Advantage, Part D, Medigap, SNP, permission-to-contact, Scope of Appointment, and enrollment-period context with specialty access controls.
Product-level economics
Carrier commission rules can vary by line, product, product level, state, and new/renewal term, with policy-level calculation and controlled override.
Scope: Okiova’s general Health/Medicare relationship foundation is intentionally operational. It is not positioned as a clinical medical record system and does not require diagnoses in ordinary notes.
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