Educated Risk Technology + methodology = innovation.

Insurance compliance middleware

A compliance translation layer for new insurance revenue.

A shared ledger for issuers, regulators and shareholders.

See how it works

What we do

New opportunity in.
Audit-ready transaction out.

Founded by SPV Lead Robert Gregory, Educated Risk is a middleware provider helping NAIC reporting entities improve operational methodology in established markets.

We connect new revenue technology to the carrier systems, controls and reporting workflows that regulators and auditors already understand.

Two paths, one compliance layer

How new revenue becomes NAIC-reportable.

Our methodology wraps new customers and new investments in the controls, evidence and reporting logic a regulated carrier needs.

Track 01Premium

New customers

Opportunity
Revenue from a new fintech, marketplace or affinity partner.
Exposure
Unlicensed solicitation and market-conduct risk.

Our compliance wrapper

  • Distribution middleware for disclosure, consent and eSign
  • NIPR licensing and appointment verification
  • MCAS-ready audit logging
  • SERFF form logic

Result Premium can flow through an exam-ready operating record.

Track 02Yield

New investments

Opportunity
Yield from private credit, tokenized or alternative assets.
Exposure
SVO uncertainty, higher RBC charges and Schedule D rejection risk.

Our compliance wrapper

  • Schedule D / BA feeder, ready for Clearwater workflows
  • SVO rating package and CUSIP coordination
  • RBC optimization for NAIC 1–2 treatment
  • SSAP 26 / 30 / 43 memorandum support

Result Yield can flow with AVR, RBC and filing requirements accounted for.

The methodology

We make the new source look familiar to the reporting system.

01

New source

You identify the affinity channel, fintech, marketplace, fund, API or AI-driven opportunity.

02

Our methodology

We build the KYC, disclosure, licensing, valuation and audit-trail wrapper around it.

03

Their NAIC report

The policy reaches the PAS or the asset reaches custody with the evidence needed for OID and NAIC reporting.

Without the middleware Legal review, system rebuilds and repeated DOI questions can stretch the timeline.

With Educated Risk A pre-cleared package connects licensing proof, audit logs, SVO support and auditor sign-off.

Market opportunities

Established markets with difficult edges.

We are focused on areas where a better operating method can unlock better-fit coverage, distribution or risk selection.

D&O

Funded companies

Specialized bundles for companies whose financing, governance and growth profile do not fit a standard placement.

Builders Risk

Lender requirements

Coverage workflows aligned to the specific protections and evidence lenders require.

Marine

Complex ownership

Better placement methodology for older vessels, co-ownership and other hard-to-place profiles.

Health

Wellness migration

Preventive-care pathways that help insureds self-identify and demonstrate better risk.

Middleware, in one sentence

We make new revenue operationally compliant and ready to book.

Connector. Filter. Reporter. One layer between the opportunity and the carrier’s core.

Contact Us

Tell us which market or compliance workflow you’re exploring.