The Intelligence Infrastructure for the Insurance Claims
Economy
VIP Software powers the industry's shift from fragmented workflows to unified, real-time intelligence — bringing transparency, efficiency, and confidence to every claim.
From workflow automation to pricing intelligence and marketplace discovery, we are building the system of record for how the claims economy operates.
"RateIQ™ is setting a new standard for the insurance industry. What Bloomberg did for financial markets, RateIQ™ is beginning to do for insurance claims — bringing transparency, intelligence, and accountability to a system that has historically lacked all three."
Chris Wardlaw — COO, Wardlaw Claims Service
The Market Has Been Flying Blind.
Every pricing decision in the $250B+ insurance claims services economy has been made without a single real benchmark. Static schedules. Fragmented contracts. Zero market intelligence.
"No one knew what the market was actually paying. That data simply did not exist. Until now."
- The data gap is structural.
Fee schedules haven't changed in years. There's been no Bloomberg, no MSCI, no comparable intelligence infrastructure for claims pricing.
- VIP Software already sits inside the transaction.
With millions+ claims processed and billions in transaction value, we didn't have to go get the data. We already had it.
- The network effect is built in.
Every new carrier and provider who joins Rate IQ™ makes the benchmark more accurate — and more defensible.
A New Standard for Claims Intelligence
For decades, the insurance claims ecosystem has operated without a true system of intelligence — fragmented data, static pricing, and limited visibility.
RateIQ™ changes that. A single, adaptive application where carriers and service providers can act on real intelligence.
01 — Benchmark
Real-Time Pricing
Benchmark your rates against live market data across regions, categories, and claim types.
02 — Position
Market Visibility
Evaluate exactly where you stand — before negotiations, not after.
03 — Analyze
Performance Analytics
Drill into regional and category-level trends with objective, anonymized data.
04 — Decide
Data-Backed Decisions
Replace assumptions with intelligence. One unified interface for every perspective.
Built on Real Transaction Data
RateIQ™ is powered by VIP Software's proprietary data infrastructure — derived from real claims transactions across a growing national network.
This enables objective, anonymized benchmarks, real-time market signals, and transparent pricing intelligence that has never been accessible — until now.
Live
Real-Time Market Signals
M+
Transactions Powering the System
0
Anonymized + Objective Data
National
Network Coverage Expanding
The Benchmark That Never Existed Before.
A partial view of the Rate IQ™ intelligence dashboard — available only to advisory partners in private beta. Real market data, pricing benchmarks, and performance positioning across claims categories.
- Real-time pricing benchmarks across U.S. markets
- Carrier vs. provider market positioning, quantified
- Performance signals that adapt to your role
- Historical trends across service categories
The Same Intelligence. Adapted to Who You Are.
Rate IQ™ surfaces different intelligence depending on which side of the claims transaction you're on. One platform. Two lenses. Zero overlap with anything that exists today.
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Same system. Different perspectives. One network that serves both sides of every transaction.
From Software to Infrastructure
RateIQ™ is the first layer of a much larger system — a unified, compounding data network built to power the entire claims economy.
01
VIP Connect™
Claims workflow infrastructure across the network
the Data moat
02
Rate IQ™
Pricing intelligence and market benchmarking platform
live now
03
mimia™
Discovery marketplace and data network layer
Expanding
04
RateIQ™ Exchange
Invoice marketplace and capital liquidity exchange
Coming next
05
Capital Markets
Institutional capital integration layer
Road map
"We're not building another tool — we're building the intelligence layer for the insurance economy."
James Makris — Founder & CEO, VIP Software
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"We have real data. This is not scraped. This is operational."
The pricing intelligence in Rate IQ™ comes from inside actual claims workflows — not web scraping, not surveys, not modeled estimates. This is what makes it defensible.
Live
Real-Time Market Signals
M+
Transactions Powering the System
100%
Anonymized + Objective Data
National
Network Coverage Expanding
Already in Use
Every new participant strengthens the network. Every interaction improves the intelligence.
- Active users benchmarking pricing today across carriers and service providers
- Live data flowing across the network — carriers, IA firms, and independent operators
- Millions of transactions powering the benchmark system — and growing
Frequently Asked Questions
Get quick answers about how RateIQ works, how it improves pricing decisions, and how your team can start seeing results faster.
Get Early Access
RateIQ™ is now in initial market release with a limited group of partners. We are expanding access selectively.
vipsoftware.com/rateiq