- Kizen eliminates the need for manual data entry and searching by providing all required licensing information in a single view
- Our platform validates requests, ensuring that level and upline contracting capabilities are accurate before moving forward
- Track the status of each request in real-time, with a custom portal for downline access that minimizes questions and enhances communication
Contracting CoPilot
License, appoint, and certify agents to sell in days, not weeks
Scale quickly with an end-to-end solution that clears agents to sell across 300+ preconfigured carrier rules and all major lines of business.
Trusted by industry leaders to optimize mission-critical business processes.
Data Management
Data management has never been easier
Automated Workflows
Automated workflows made for speed
- Kizen syncs seamlessly with Ready-To-Sell and Agent Rosters to automatically advance requests to the appropriate stage in the contracting process
- Notifications are sent to the right individuals at each stage, ensuring that agents are contracted faster without unnecessary delays
- Kizen automatically builds hierarchies and commission agreements based on the assigned agent level, streamlining the setup for your team
Configurations
Every rule, every contract, already configured
- Kizen ships with 300+ preconfigured carrier rules covering Medicare, Medicare Advantage, Life, Annuities, and ACA, automatically
- Upfront validation checks carrier, state, hierarchy, and eligibility requirements — with optional NIPR integration — before a request moves forward
- Contracts are generated with accurate dates and correct hierarchies applied automatically, eliminating manual errors at the point of creation
From licensing to ready-to-sell
End-to-end contracting workflows that get your agents selling in days, not weeks.
By the numbers
Real outcomes delivered to customers
74%
Faster agent onboarding and contracting cycles
4x
More contracts
processed per team member
30+
Minutes saved per validation
Ready-to-sell in days, not weeks
Step 1
New Request Submission
Step 2
Automated
Validations
Step 3
Submission to
Upline/Carrier
Step 4
Carrier Processing
& Follow-Up
Step 4
Carrier Processing
& Follow-Up
Why enterprises choose Kizen
Speed to Value
ROI delivered in 30–90 days. Pre-Trained Agents, AI Applications, & Industry-Specialized FDE teams accelerate value
True Context Technology
Ensure AI Agents have complete context to reason and take appropriate actions
Regulated Enterprise Ready
Secure, observable, scalable, transparent, and compliant
Self-Learning Architecture
Agents learn independently and humans improve their learning, which creates a compounded, and reinforced, self-learning loop
Front Office
Agent CRM
Agency CRM
Contracting CoPilot
Marketer CoPilot
Commissions CoPilot
Agent/Agency Portals
Frequently Asked Questions
What is Contracting CoPilot?
Contracting CoPilot is Kizen’s AI-powered contracting automation engine for NMOs, FMOs, and agencies. It manages the full lifecycle of contracting across more than 290 carriers, automating validation, follow-ups, carrier processing, and certification tracking while maintaining compliance and audit readiness.
How does the contracting workflow operate?
Contracting CoPilot follows a 6-step automated process designed for compliance and scalability:
- Submission – Agent or upline submits a contracting request via portal or form.
- Validation – The system checks license, carrier, and upline data, applying over 50 configurable rules and auto-correcting common issues.
- Link Send and Automated Follow-Ups – A secure completion link and automated reminders ensure timely completion.
- Carrier Processing – Requests are transmitted via SmartConnector or SFTP to carrier systems.
- Certification and Follow-Ups – The platform tracks certification and RTS updates and triggers alerts if progress stalls.
- Contract Activation – Upon confirmation, CoPilot finalizes activation and automatically seeds hierarchies and commission agreements downstream.
How are carrier-specific requirements managed?
Each carrier configuration supports over 50 configurable rules through a no-code Carrier Worksheet UI. Rules include state eligibility, corporate contracting permissions, upline readiness, blackout enforcement, hierarchy validation, and commission advancing checks. CoPilot enforces these automatically, routing exceptions back to the appropriate user for correction.
How are carrier statuses updated?
Contracting CoPilot does not use carrier APIs. Status updates occur automatically through SmartConnector file ingestion. When carrier or RTS data is received, the corresponding record updates immediately, ensuring real-time visibility without manual file management.
How does it handle hierarchy and access?
Access propagates automatically through uplines and downlines. Four pre-configured levels (Downline Agency, Agent with Commissions, Agent without Commissions, Contracting-Only) control permissions and visibility. Hierarchy propagation ensures accurate reporting and payout synchronization.
What compliance standards does Kizen meet?
Kizen maintains certifications for SOC 2 Type II, HIPAA, ISO 27001, and FedRAMP Moderate, providing full data encryption, audit trails, and adherence to CMS, NAIC, and state DOI contracting standards.
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Join the leading insurance organizations using Kizen to transform how work gets done.