Real-time digital underwriting infrastructure
The fix is a connected workflow that runs in real time across the carrier, the platform, and the enrollment session. We do not replace anyone. We make the parts talk to each other.
Choose your door
Carriers
Reflex IQ plus the underwriting engine plus third-party data. Built to deliver a binary decision inside the enrollment session.
Book a carrier discovery callBen Admin and HRIS
EOI eApp launches by SSO, secure token link, or spouse identity flow. Carrier-branded URLs. No sensitive data in URLs.
Open a connectivity inquiryInvestors
Thesis, structural angle, and category framing. Request the investor overview if you are accredited.
Request investor overviewCareers
Director of Governance and engineering roles. We are hiring for the operational layer.
See open rolesThree pillars
EOIX runs the underwriting moment, orchestrates the systems around it, and gives every party one place to watch the workflow. The carrier still owns the rules. The Ben Admin still owns enrollment.
Pillar one
A worker who decides to protect their family during open enrollment should get an answer in the same session, not three weeks later by mail. Reflex IQ runs the carrier's own rules through the underwriting engine, pulling the third-party data sources the rules require in real time. Binary decisions inside the enrollment session. No paper. No phone calls.
Read the pillarPillar two
Enrollment data goes missing today because the carrier system, the ben admin, the HRIS, the payroll system, and the enrollment vendor each hold a partial version of the truth. EOIX integrates by API at the points where EOI gets triggered and where the decision gets written back. White-labeled. No UI rebuild on the platform side.
Read the pillarPillar three
Today no one in the EOI workflow can answer simple operational questions: who started, who finished, who abandoned, did the write-back land. EOIX puts every workflow event into one portal. A Director of Governance runs the recurring governance calls with the carrier and acts as the air traffic control for every case in flight.
Read the pillarThe workflow
The carrier writes the playbook. EOIX executes it at digital speed. The Ben Admin runs the experience. Every step is auditable.
Carriers and underwriters set every rule before anything else moves.
The carrier's implementation team turns rules into Ben Admin and EOIX config.
Carrier holds the pen. The portal shows what was received and what was configured.
Ben Admin still owns the shopping cart, the GI thresholds, and the payroll handoff.
Pre-populated links open directly into Reflex IQ. The carrier approves the config first.
Every test is tracked: Pending, In Review, Validated, Exception, Retest, Certified for Launch.
Employee launches Reflex IQ inside the same session. No mailed paper form.
Approved or not approved. Appeals route to carrier underwriting through the traditional channel.
Decision feeds the EOIX portal and the Ben Admin cart. Payroll calculates off the final number.
The boundary
Carrier-liability and platform-overlap fears kill insurtech deals. EOIX puts the boundary on the page, in writing, on every surface.
Who is building this
The team has built and operated digital enrollment, underwriting, and platform integration companies before EOIX. The platform architecture is built and ready to pilot. The first wave of carrier conversations is underway with multiple Tier-1 group carriers. EOIX is pre-revenue and post-architecture. The pillars on this page describe what the team has built, not a roadmap of intent.
Find your path
One form per audience. We route to the right person on the EOIX side.
