The Living Book
Your book of business, running on the real clock.
The Living Book buys, pays, changes and cancels policies on a Labs tenant every day, then checks what Functional Finance did with each one. Watch your business age for weeks before you decide.
Start from what you write
Tell us your lines, from personal auto to E&S commercial, or send a book you played in the MGA Simulator, and we can start a practice book from them with you. On your own Labs tenant, the book runs your own products.
Real behaviour, every day
Insureds pay on time, pay late, miss payments, change their policy and cancel. Functional Finance bills, collects, credits and refunds as it does for real business.
Every result checked
Each policy's money is followed day by day and checked against the platform's own records and receivables reports. You see what passed and what did not.
One policy on a 30-day product
Day 0
Policy bound
Day 9
Autopay declines
Day 11
Paid by checkout
Day 14
Endorsement
Day 30
Term ends
Day 0
Policy bound
Day 9
Autopay declines
Day 11
Paid by checkout
Day 14
Endorsement
Day 30
Term ends
No real money and no real people: every payment is simulated and your products are never changed. On your own tenant you can stop the book at any time, and what it made stays there.
Start your Living Book.
Tell us about your business. Books on your own tenant are an invite-only pilot: we will let you know when there is a place, set up your Labs tenant and plan your book with you.