2026 HIPAA Standards Compliant

Stop Losing Commissions to Carrier Errors

Cloview is your agency's financial guard dog.

Identify Missing Payments: Automatically flags underpayments and skipped carrier cycles.
Audit Multi-Month Statements: Seamlessly reconciles historical files from Anthem, Humana, Centene, United Healthcare and more. We update support for new carrier formats regularly.
Recover Agency Revenue: Gives you the clear, data-backed proof required to win carrier disputes.

Your Cloview Dashboard showing amortized earnings

Core Engine Feature

See Your True Revenue with the Earnings Flow View

Stop letting chaotic carrier data cloud your cash flow. Cloview maps your incoming revenue onto an elegant, unified timeline built specifically for busy brokers.

Amortized Lump Sum Tracking

Automatically spreads massive one-off carrier bonus checks and annual advanced payouts across the true coverage timeline. No more artificial revenue spikes or dips.

Side-by-Side Monthly Payments

Lays out standard recurring monthly commission flows horizontally. Spot skipped months, dropped policies, or premium discrepancies instantly without digging into spreadsheets.

Instant Attention Flags

The system automatically flags anomalies in deep red or amber. You see exactly what needs your operational focus or what is ripe for a carrier dispute right at a glance.

Instant

Template Ingestion

Drop in files from your carriers - Anthem, Humana, Centene, and more. Recognized carrier formats process instantly with zero manual column mapping required.

100%

Statement Coverage

Every single line item is scanned down to the individual member level, cross-checking premium values to verify nothing was shorted.

Your Financial Guard Dog.

Most agencies lose 3% to 5% of their revenue to "black box" carrier accounting. Cloview turns messy CSV and Excel files into a single source of truth, flagging missing payments before they impact your bottom line.

One unified pipeline for every carrier (Aetna, Anthem, Humana, Centene, etc).

Automatic verification of First Year vs. Renewal payments.

Revenue Leakage

Plug Ghost Drops

Instantly uncovers active policies that carriers dropped from current payment cycles without a formal termination notice.

Operations

Zero Re-Formatting

Eliminate the manual Excel nightmare. Drop messy raw statement exports directly into the app exactly as they come out of carrier portals.

From Raw Files to Recovered Revenue in 3 Steps

Our intelligent orchestrator does the heavy lifting so you don't have to.

Upload Statements

Drag and drop raw CSV or Excel files. Our system "learns" your specific formats on the first pass for instant future processing.

Cross-Month Reconciliation

Cloview audits your history to ensure every "First Year" payment transitions into a "Renewal" exactly as promised.

Identify & Recover Gaps

See a prioritized list of missing payments and "ghost" policies. Dispute errors with data-backed accuracy.

See our complete ingestion & concierge process

Security & Compliance

Security You Can Stake Your License On.

We don't just follow HIPAA—we guarantee it. Cloview is built for the 2026 modern security standard, keeping your agency's data shielded and audit-ready.

Business Associate Agreement (BAA)

We sign a BAA with every agency, legally formalizing our commitment to your compliance.

Explore our detailed security protocols

Encryption

AES-256

Identity

MFA Required

Network

TLS 1.3

Audit

24/7 Logs

Frequently Asked Questions

Everything you need to know about tracking your agency’s revenue with Cloview.

Do you sign a Business Associate Agreement (BAA)?

Yes, absolutely. Because your commission statements contain Protected Health Information (PHI), signing a BAA is mandatory for legal compliance. Cloview is built to strict modern security standards, featuring AES-256 data-at-rest encryption and forced multi-factor authentication to ensure your agency's files stay entirely shielded.

Which insurance carriers do you support?

Out of the box, Cloview instantly recognizes and ingests standard data exports from major carriers like Aetna, Anthem, Humana, Centene, Oscar, etc. Our intelligent layout orchestrator processes these formats the second you drop them in, meaning you never have to spend hours re-mapping or cleaning columns in Excel.

How does the Earnings Flow View catch missing money?

Carriers often pay advanced lump sums or chaotic adjustments that make monthly tracking impossible. The Earnings Flow View normalizes these payments across the true policy timeline alongside your regular monthly streams. It automatically logs your historical statements and flags instances where a payment cycle skips or an active policy drops without notice.

What is the difference between First Year and Renewal tracking?

One of the most common spots for revenue leakage is when a policy transitions out of its initial contract year into a renewal cycle. Carriers frequently miss or short these altered payment rates. Cloview verifies every single line item across your statement history, matching your actual payouts against expected rates to highlight underpayments instantly.

How much time does it take to see results?

Results are immediate. As soon as you upload your raw statement files, the processing engine scans down to the individual member level. Any dropped policies ("ghost drops") or premium discrepancies are flagged on your dashboard on the very first pass.