Debt Shield
Life Insurance IMO Compliance & Automated Enforcement Platform
A platform that turns carrier commission data into enforceable workflow. Carrier ingest, hierarchy-level exposure visibility, e-signed agent agreements, automated SMS and email cadences, and a complete case timeline — replacing the spreadsheets and email threads that IMO owners were using to manage agent debt.
Industry
Life Insurance — IMO & Agency Owner Model
URL
debtshield.ai
Engagement
End-to-end SaaS Product Design & Engineering
Outcome
Carrier ingest, contracts, enforcement, and full case history in one platform
Tech Stack
React, TypeScript, Vite, Tailwind, shadcn/Radix, Supabase (Postgres, Auth, RLS, Edge Functions), Resend, Twilio, Vitest, Playwright
Carriers
Mutual of Omaha, Americo, Ethos, American Amicable
The Business Problem
Life insurance IMOs and agency owners track revenue. They don't track exposure. When carriers report commission balances or chargebacks against agents, owners estimate downside instead of reading it off the data.
Hierarchies make this worse. An agency owner sits on top of a tree of agents and sub-agents, and a chargeback at the bottom rolls up to liability at the top.
Carrier email isn't enforceable leverage. Manual chasing doesn't scale. If a dispute goes legal, the audit trail is a mess of inboxes and spreadsheets.
01.
Owners estimate exposure instead of reading it from data
02.
Chargeback liability rolls up the agent hierarchy invisibly
03.
No enforceable documentation when agents push back
04.
Manual chasing doesn't scale across hundreds of agents
05.
Dispute audit trail is scattered across email inboxes and spreadsheets
What We Built
A platform that turns carrier data into enforceable workflow — replacing a process built from email threads and spreadsheets with one that produces a signed agreement, an automated cadence, and a complete case history per agent.
01.
Carrier file ingest — unified debt and exposure view across multiple carriers
02.
Hierarchy-level visibility — roll up exposure from agents through the full tree
03.
E-signed agent agreements stored next to the exposure data
04.
Automated enforcement cadences via outbound SMS and email
05.
Complete per-agent case timeline — every action recorded automatically
06.
Owner console for managing carriers, tenants, file intake, and cadences
Key Technical Decision: Single Source of Truth
Enforcement state lives in PostgreSQL only — not duplicated in React state, not duplicated in each Edge Function.
The platform has three trigger sources: UI actions, cron-style scheduled jobs, and inbound SMS or email webhooks. If enforcement rules (pause this case, resume that one, escalate after 7 days) lived in multiple places, the system would send wrong messages and produce mismatched case history.
Single source of truth next to the data. Every trigger reads the same state and writes back to the same place.
The Result
Four carriers wired. A signed agreement, an automated cadence, and a complete case history per agent — replacing a workflow built entirely from email threads and spreadsheets.
01.
Four carriers integrated: Mutual of Omaha, Americo, Ethos, American Amicable
02.
Owners read exposure directly from data instead of estimating
03.
Signed agreements live next to the case data — legally defensible
04.
Every enforcement action automatically appended to the case timeline