Complete exhibit set
Every required exhibit — rate, rule, form, actuarial memorandum, certification — present per the state's current checklist, or the pack does not release.
The most rigorous SERFF filing pack an insurer or MGA can submit.
FilingPilot assembles a documentation-complete product filing pack — every state-required exhibit, actuarial memorandum, objection response, and SERFF submission — checked against each jurisdiction's filing requirements before a specialist releases it.
Every state's filing checklist, gate-checkedActuarial certification (prior-approval states)SERFF · Insurance Compact · state portalsSpecialist release on every pack5-business-day SLA
Why filings fail
A single missing exhibit can add 4–8 weeks to approval.
An insurer or MGA launching a new product in multiple states must, for each state, identify the correct filing type, pull the current requirement checklist, assemble rate/rule/form exhibits, draft an explanatory memorandum and actuarial support, submit through SERFF, and respond to objection letters. Miss one required document and the review clock resets.
Most teams run this by hand, from memory, once or twice a year. The state checklists change constantly — 757 tracked regulatory changes in 2025 alone. That is exactly where completeness gaps hide.
FilingPilot exists to close that gap with a single, exhaustive standard applied identically to every file.
4–8 weeks
added to approval timeline per missing document
The benchmark
Measured against each state's filing requirements — checklist by checklist.
We do not summarize the law and hope. Every pack is scored against a versioned rule pack tied to the exact text of each state's SERFF filing requirements and rating laws. These are the provisions each pack is held to.
Correct filing type
The filing type (prior-approval, file-and-use, use-and-file, flex, no-file) is verified against the state's rating law and applied deterministically.
Signed actuarial support
For prior-approval states, a qualified actuary signs the actuarial memorandum and certification — a regulatory chokepoint we manage.
Deficiency letter handling
Objection letters are triaged, responses drafted, and resubmissions tracked to closure, with a documented chain of correspondence.
Portal-ready filing
All documents are formatted and uploaded to SERFF (or Insurance Compact) per the state's technical requirements, with a submission checklist.
Consistent product across states
Variations across states are mapped and reconciled; the product is filed consistently while respecting each state's unique requirements.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Filing Gap Scan
Upload the product details and target states. We return a free completeness read: which state checklists you already meet, and which exhibits are missing.
02
State checklist mapping
As your authorized clerical agent, we pull each state's current SERFF filing requirements and map them to your product, building a per-state exhibit matrix.
03
Grounded drafting
The filing memorandum, actuarial summary, and objection responses are drafted from your product data and the state rule packs into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Exhibits reconcile to the state checklist; rating law is verified; actuarial certification is signed; SERFF submission is validated. Any failure blocks release.
05
Specialist release
A product-compliance specialist reviews the exception queue and signs the release. High-value or complex filings route to attorney review first.
06
Delivery
You receive the pack: SERFF-ready filing, exhibit matrix, evidence log, objection response templates, and a filing calendar — ready for the insurer to submit under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
50+
State checklists maintained
Every jurisdiction's SERFF requirements, updated continuously.
Why FilingPilot
Built to be the most thorough option an insurer has.
Documentation-complete, by design
The deliverable is completeness itself — every state exhibit and requirement accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a state checklist requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never give legal advice, interact with regulators on your behalf, or make underwriting decisions.
Engagement
Flat fee, per released pack. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a meter running on human hours.
- A free Filing Gap Scan before you commit — see exactly what is missing for each target state.
- One flat fee per released Filing Completeness Pack; disclosed pass-through state filing fees.
- Optional fixed-fee attorney review for complex or high-exposure filings.
- Optional Filing Continuity Add-on for objection response and amendment tracking through approval.
FAQ
Questions, answered precisely.
Is FilingPilot a law firm?
No. FilingPilot, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you before any Department of Insurance. Attorney review is available and recommended for complex filings.
Do you interact with regulators or submit filings on our behalf?
No. FilingPilot prepares the filing pack and supporting documentation. The insurer or MGA remains the filing entity and is responsible for submitting through SERFF and communicating with regulators.
What makes a pack 'complete'?
Completeness is defined by each state's SERFF filing requirements: all required exhibits present, correct filing type applied, actuarial certification signed (where required), and submission-ready formatting. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Gap Scan is returned much sooner and tells you exactly what is still needed for each state.
How are you priced?
A flat fee per released pack, plus disclosed pass-through state filing fees. No hourly billing and no percentage of any premium or revenue.
See what's missing before it costs you a launch.
Start with a free Filing Gap Scan. Send your product details and target states and we'll return a completeness read against each state's SERFF requirements.
Documentation-completeness service · not legal advice · the insurer submits every filing.