Modernize how you collect and manage premiums
Insurance runs on scheduled payments, high-value transactions, and a compliance bar most verticals never face. Worthy collects premiums across ACH and card, handles endorsements and cancellations cleanly, and gives you the audit trail regulators expect.
Trusted across
- Beacon Mutual
- Safeguard
- Meridian Life
- Cornerstone
- Anchor
- Provident
Premiums move money in specific patterns
Recurring collection, mid-term adjustments, and a compliance review that gates everything. The payment stack has to be built for all three.
- 01
Recurring collection is the lifeblood
Premiums are scheduled and unforgiving. A small failure rate compounds into lapsed policies and lost lifetime value, and the loss is usually invisible until renewal reporting surfaces it.
- 02
Compliance gates every decision
Carriers run some of the most demanding vendor due diligence in the market. Security posture, data retention, and audit evidence all have to be settled before a single premium routes.
Built for how insurance handles money
Reliable recurring collection, structured adjustments, and the compliance posture carriers require before onboarding a processor.
ACH first-attempt success on recurring premiums
0.00%
0.00%
settlement to your operating account on eligible routes
T+0
T+0
Service Provider certification, audited annually
PCI L0
PCI L0
due diligence packet, DPAs, and security questionnaires
Ready
Ready
Payments across the full policy lifecycle
Collect premiums reliably, handle mid-term changes cleanly, and answer the compliance questions before they are asked.
Premium collection
Recurring premiums that actually recur
Scheduled ACH and card collection with bank account validation, retry cadence tuned to NACHA return codes, and automatic payment-method updates. Fewer policies lapse for reasons that had nothing to do with the policyholder.
Adjustments
Cancellations and refunds, structured
Pro-rated refunds, mid-term cancellations, and endorsement-driven premium changes, each carrying the reason, the calculation, and the underlying policy reference. Auditors see a clean trail instead of a spreadsheet.
Reporting
The reporting your regulators expect
Every transaction carries audit-ready evidence with retention windows configurable to your regulatory profile. Per-state reporting and full export whenever an examiner asks.
Collection surfaces
Make paying a premium simple
Hosted payment pages and embedded forms that let policyholders pay by bank or card and save the method for future premiums, reducing the manual follow-up your service team handles today.
A carrier cut involuntary lapses by fixing the collection layer rather than the policy
Bank account validation and retry logic tuned to NACHA return codes kept recurring premiums flowing, turning a quiet source of policy churn into a reliable collection engine the service team no longer chases.
99.88%
ACH first-attempt success on recurring premium collection
Products used
Decline Recovery
Reconciliation
Observability
Risk engine
Patterns we see across carriers and intermediaries
Representative engagements grouped by where in the insurance value chain each pattern shows up.
Auto and property carriers
A regional carrier moved monthly premium collection onto ACH with card as a fallback, then automated endorsement-driven adjustments that had previously been manual journal entries.
Decline Recovery
Reconciliation
Reinsurance and wholesale
A wholesale operation moved large-ticket transactions onto structured settlement with treasury integration, keeping a full audit trail on every movement.
Smart Routing
Observability
Health and specialty
A specialty program handled pre-authorization holds and refund management for over-collected premium, with structured handling for benefit-card payment methods.
Acceptance Engine
Customer Vault
MGAs and brokerages
An MGA consolidated premium routing across multiple carrier relationships, giving finance one reconciliation view instead of one per carrier and clean commission accounting underneath.
Reconciliation
Accounting Exports
Connect your policy and billing systems
Worthy integrates with policy administration, billing, and agency management systems so payments fit into the stack carriers already operate rather than forcing a parallel process.
Pass due diligence the first time
Carrier procurement asks harder questions than most. The documentation is assembled before you ask for it.
Ready to modernize premium collection?
The team can review your current ACH performance and vendor compliance requirements on the first call. Bring last quarter's return rate if you have it.