Frequently Asked Questions

HALO IQ is a proposal intelligence platform built for PEOs, insurance brokers, and MGAs. It automates the entire proposal lifecycle — from document intake and underwriting analysis to client-ready proposal generation — replacing manual spreadsheets and disconnected tools with a single, intelligent system.

HALO IQ is built for Professional Employer Organizations (PEOs), insurance brokers, Managing General Agents (MGAs), and workers' compensation underwriters. Anyone involved in producing, analyzing, or presenting insurance proposals can benefit from the platform.

Unlike general-purpose tools, HALO IQ is purpose-built for the insurance and PEO industry. It understands class codes, experience mods, loss runs, WCIRB rates, carrier programs, and compliance requirements out of the box. Every feature — from document parsing to proposal templates — is designed around the specific workflows of insurance professionals.

Upload any existing proposal (PDF, DOCX, or PPTX) and HALO IQ instantly converts it into a clean, shareable web link. The system extracts key data points, applies professional formatting, and generates a branded digital proposal your prospects can view on any device — no signup required to try it.

The SPIN Analysis applies the proven SPIN Selling methodology (Situation, Problem, Implication, Need-payoff) to your proposals. It analyzes your document and generates a detailed intelligence report that identifies gaps, highlights competitive advantages, and suggests improvements to increase your close rate.

Yes. HALO IQ supports fully branded proposal templates with your company logo, colors, fonts, and custom sections. You can create multiple templates for different product lines or carrier programs, and the system dynamically populates them with underwriting data and client-specific information.

HALO IQ handles the full underwriting calculation chain: WCIRB pure premium rates, Loss Cost Multipliers (LCMs), carrier filed rates, experience modifications, schedule rating, territory factors, and fade factors. It supports multiple actuarial methods including Cape Cod, Bornhuetter-Ferguson, and experience-based loss development.

Yes. HALO IQ includes full experience modification factor analysis, including WCIRB and NCCI worksheets. The platform can parse X-Mod documents, compare actual vs. expected mods, analyze claim-level impact, and project future mod changes based on loss development patterns.

Upload loss runs in any format (PDF, Excel, or scanned documents) and HALO IQ's AI automatically extracts claims data, standardizes it across carriers, and calculates key metrics including loss ratios, frequency/severity trends, large claim analysis, and credibility-weighted projections.

HALO IQ supports all 50 US states with both WCIRB (California) and NCCI (remaining states) rating methodologies. The platform maintains current rate tables, class code crosswalks, and state-specific assessment factors to ensure accurate premium calculations regardless of jurisdiction.

Yes. HALO IQ is built as a multi-tenant platform where each organization (PEO, brokerage, or MGA) operates in its own isolated workspace with separate data, users, branding, and configurations. This ensures complete data separation while allowing platform-wide feature updates.

HALO IQ integrates with carrier systems for rate lookups and filings, CRM platforms for lead management, document storage services for file handling, and email systems for automated communications. The platform also offers webhook-based integrations for connecting with existing agency management systems.

Documents are automatically categorized, parsed, and indexed upon upload. The system supports loss runs, ACORD forms (130, 25), experience mod worksheets, carrier quotes, compliance certificates, and employee handbooks. AI-powered parsing extracts structured data from unstructured documents for immediate use in underwriting and proposals.

HALO IQ uses enterprise-grade security including encrypted data at rest and in transit, role-based access controls, tenant isolation, and audit logging. The platform runs on SOC 2 compliant infrastructure and follows industry best practices for handling sensitive insurance and employee data.

Yes. HALO IQ provides granular role-based access control with predefined roles (admin, underwriter, broker, viewer) and custom role creation. You can control access at the module, company, and document level to ensure team members only see what they need.

You can start immediately by converting a proposal — just upload any PDF, DOCX, or PPTX at haloiq.ai/convert. No signup is required for basic conversion. For the full platform experience including underwriting, CRM, and team collaboration, sign up for a trial or contact our sales team.

Yes. HALO IQ offers a free trial that includes proposal conversion, SPIN analysis, and access to core platform features. You can sign up directly on the website or contact our team for a guided demo of the full platform capabilities.

HALO IQ provides onboarding assistance, documentation, and direct support. Our team works with PEOs and brokers daily, so we understand the industry-specific challenges you face. Premium plans include dedicated account management and custom implementation support.