Is Your Premium Finance Software Working for You?

Ask yourself a few key questions:

Does your current software do everything you need—or might need down the road?

Can it help you attract and market to new business?

Does it show you your performance hot spots and areas that need attention?

If you answered no to any of these, it's time to take a closer look at Evolution. We understand that not every feature matters to you today—but no one can predict the future. When you're ready to grow, evolve, or pivot, Evolution has the tools already in place.

Cut Costs. Improve Retention. Stay in Control.

Want to lower your premium finance software expenses while increasing retention? With Evolution, you choose how you pay—and we show you how to get more value.

• Reduce your per-loan software costs
• Improve customer retention with smart automation
• Gain greater flexibility and control over your operations

Support Shouldn’t Be a Lifeline

Still relying on support calls to get through the day?

Let’s fix that. Evolution is built to be intuitive and self-sufficient, which means fewer support tickets and lower service costs for you. Most clients find they hardly need to call us—but when they do, we’re here to help.

Here are just a few powerful features Evolution offers:What Features Matter Most to You?

What Features Matter Most to You?

24/7 Online Payment Options Let policyholders pay how they want: check, cash, ACH, PAC, lockbox, credit card, or online portal. Convenience = more loan conversions.

Flexible Billing Customize billing per loan with coupons, statements, or automated ACH—your choice.

Multilingual Document Generation Sending a late notice to a Spanish-speaking policyholder? Evolution can automatically generate multilingual forms (print, fax, or email) to better serve your customers and support retention.

Ready to Evolve?

We’d love to show you how Evolution can make a measurable impact on your business, whether you're just starting out or scaling fast.

Contact Us or Request a Demo today.

Marketing That Delivers Results

Cut Costs, Boost Profits

Real results. Real savings.

At Evolution, we believe credibility is earned—and we have the numbers to prove it.

• One client processed 157,000 loans with just 49 staff, generating $65 million in profit.
• Another added $5 million in profit, without hiring a single new employee.

This is unit cost reduction at its best and Evolution made it happen when others couldn’t..

Creditability earned, never given. Proof, 49 people to process 157,000 loans, $65 million in profit. Or, how about another company making an additional $5 million in profit without any additional staff. I would say this is unit cost reduction in its finest. We can show you the way. Probably saving you enough to pay for the switch to Evolution's software. Again, when others couldn't pull it off.

How Evolution Helps Reduce Unit Costs

Reducing unit costs – provides recurring savings

Lower your operational expenses while increasing efficiency with smart automation and simplified workflows:

• Online electronic payments from policyholders
• Automated after-hours processing
• Lockbox payment imports
• Outsourced printing and mailing
• User-friendly interface for fast adoption
• Self-paced training modules and videos – including premium finance fundamentals and software how-tos
• Streamlined cancellation/reinstatement management

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Save More Than You Spend

The cost savings alone could cover your transition to Evolution. Let us show you how to reduce costs—and grow your margins.

Switch to Evolution. When others fall short, we deliver.

Increase Policyholder Retention

Keep more customers, reduce churn.

Evolution gives you the tools to improve retention and simplify the customer experience:

• Online electronic payments – fast, secure, and convenient for policyholders
• Short payment rollover – help customers stay current without interruption
• Equity-date cancellations – smarter timing to avoid unnecessary terminations
• Streamlined cancellation & reinstatement workflows – save time, retain more policies
• Plus, much more. The ultimate versatile software solution for you.

Powerful Tools for Higher Retention

From smarter payment handling to automated workflows, Evolution helps you keep policyholders happy—and coming back.

The ultimate all-in-one premium finance platform. Built for growth.

Seamless Integration That Drives Profit

Integrate smarter. Operate leaner.

One company added $5 million in profit—without hiring a single new employee—thanks to Evolution's advanced integration capabilities. The efficiency gains alone could cover the cost of switching.

When other vendors couldn’t deliver, Evolution made it happen.

Integration Features That Reduce Costs

• Online electronic payments from policyholders
• Super Bill™ – powerful, automated billing
• Carrier integration – with billing, replacement, or finance workflows
• Policy Rater integration at the point of sale
• No more duplicate data entry – clean, seamless data flow across platforms

Built for Efficiency

Eliminate redundancy, reduce workload, and scale without adding staff. Evolution is the all-in-one premium finance software built to integrate with your business—your way.

Experience the most versatile and powerful premium finance platform available.

Cloud-Based Premium Finance Software

Discover a powerful, web-based premium finance software solution designed for flexibility and real-time access. We were the first to eliminate the need for daily uploads or downloads—offering true live data access when others couldn’t. Read more here…

Access your system anytime, from anywhere. Create quotes, review accounts, run reports, and much more—all from a single platform. You have to see it in action to fully appreciate its extensive capabilities.

Streamlined, Full-Cycle Accounting

In the early days, most premium finance systems only handled basic balance adjustments. We pioneered full debit/credit accounting—years ahead of the competition—and continue to lead the way in functionality and innovation. If you need it, we likely already offer it. Just ask—we’ll show you.

• True debit/credit accounting with dual-entry transaction recording
• Automated payment allocation to multiple Chart of Accounts categories: principal, interest, setup fees, late fees, cancellation fees, miscellaneous fees, and more
• Securitization support
• Built-in fraud prevention features
• Comprehensive collections tools, including:
  • Insured, policy cancellation, insurance commission, under down payment tracking
  • We were the first to offer integrated collections, setting the industry standard
  • You’ll be amazed at how far ahead we are from the competition
• Over 25 adjustment options available
• Standard receivable, payable, and collections balances
• Optional balances: accruals, compensating, processing fees, reserve contingencies, interest chargebacks
• Online payments from policyholders

Print / Image / Email / Fax / Outsourcing Made Simple

Gain a competitive edge with capabilities many premium finance providers still don’t offer. Evolution has consistently led the way with innovations others couldn’t match.

Our advanced Form Generator™ supports multi-lingual content, conditional layers, logos, images, barcodes, and duplex printing.

Forms are automatically imaged at the time of printing—no scanning required—creating a virtual file cabinet.

Easily email or fax forms to recipients, sort and group them by entity to reduce postage costs, and even outsource printing and mailing with ease.

Reports can also be emailed or faxed directly to the intended recipients.

Build ad hoc or custom reports tailored to your specific needs. Though we already provide over 80 standard reports, the flexibility is there for deeper customization.

And that's just the beginning—ask us about the 38 unique benefits available with our forms alone.

Powerful Management Tools

Effective management drives results. Imagine 49 people processing 157,000 loans and generating $65 million in profit—or another business achieving $5 million more in profit without adding staff. We help make those numbers possible—again, delivering where others fell short.

• Fast and easy setup:
  • All 50-state compliance rules pre-loaded
  • Add your logo to pre-approved forms
  • Verify and customize rates
  • Add users and operators effortlessly
  • No IT personnel required
• Streamlined onboarding for new staff:
  • In-depth help files
  • Premium Finance 101 course with pre- and post-tests for industry understanding
  • Video-based training resources
  • Interactive hands-on training within a dedicated training environment
• Comprehensive business analysis tools:
  • Track performance by agent, marketing rep, private label plans, personal vs. commercial lines, and more
  • Analyze data by date range, balance sheet, or currency (including cross-border support for US/Canada)
  • Includes securitization support

Choosing the Right Premium Finance Software Vendor

This is where it really matters. Which vendor will help guide your business into the future—with technology and features you may not even know you’ll need? Choosing the right partner now can prevent a costly and disruptive switch later.

Already using premium finance software?

Thinking about starting a premium finance company? Need a business plan or help with licensing?

Looking to outsource servicing to a third party?

Want to reduce unit costs while increasing retention?

Need help leveraging capital with a bank line of credit?

We’ve helped clients in all these areas—and we can help you too.

Why Evolution Inc.

Since 1979, premium finance software has been our sole focus. We've helped insurance premium finance companies streamline operations, grow profitably, and stay ahead of their competition.

Behind the scenes, Evolution pioneered features like fraud detection, intelligent workflow, real-time form imaging, advanced accounting engines, business rule enforcement, and automation that prevents operator errors—all built-in and working seamlessly in the background.

No other vendor matches our capabilities in areas that matter most: policyholder servicing, agent tools, bank integrations, and marketing features. We lead with innovation—while others follow.

Evolution delivers the most advanced premium finance platform available, offering unmatched functionality, scalability, and technology. Whether you're processing one loan or 10,000, we’re the solution.

With enterprise-grade software that’s passed rigorous accounting and procedural audits—and exceeded stress tests by global leader Accenture—you’ll know you’ve chosen software you can trust.

Have a challenge or feature in mind? Ask us anything—big or small. Call us at 913-384-2654 to get started.

We’ve worked closely with business owners, CFOs, CEOs, CPAs, auditors, consultants, IT teams, and state regulators. We understand the industry inside and out.

• We also work with a seasoned executive with over 28 years of experience in financial services marketing and 20 years in premium finance management. This includes 10 years in premium finance lending and founding two successful companies for investor groups.

If you think you’ve got an idea we haven’t already implemented—we welcome the challenge!

Since 1979, we’ve been the most experienced, proven, and technologically advanced vendor in the premium finance space—because we listen.

Someone once asked why we don’t operate our own premium finance company. The answer? “In a way, we do—our software powers many successful companies.” And honestly, if we had become a finance company ourselves, we wouldn’t have been able to focus on building the software platform it is today.

Cloud or On-Premise—Your Choice

Our software can be hosted in the cloud or installed on your own server—whichever best suits your business. It’s worth noting that many large premium finance companies choose to host in-house to protect trade secrets and maintain full control of their data.

For more on this topic, we recommend the SBA's resource: 7 Steps for Protecting Your Trade Secrets.

• Every business should consider where its intellectual property and customer data reside:
  • Are your data and IP protected to the level you require?
  • Why do large corporations and banks host their systems in-house?
  • Your customer list is intellectual property—how is it secured?
  • What are the risks of putting data in the cloud or on public servers?
  • What happens if someone outside your vendor’s control gains access?
  • There are many “what-ifs”—call us to discuss how to protect your business.
• Recommended reading:
  • LexisNexis article: Trade Secrets and Protecting Your Company

Responding to Another Vendor’s Claim

Claim from another vendor: “Our software was built with firsthand knowledge of the premium finance business—not by software developers who don’t operate finance companies.”

We respectfully disagree—and here’s why:

• Evolution successfully transitioned a $250 million premium finance company away from that very vendor—because their software couldn’t meet the client’s needs. While companies may occasionally switch vendors, losing a $250M client is telling.
• Over tens of billions of dollars have been processed through Evolution's software.
• We’ve passed extensive financial and procedural audits specific to the premium finance industry.
• Our platform has undergone rigorous workload stress testing—managed in partnership with Accenture, the largest IT consultancy in the world.
• With 45+ years of experience across hundreds of clients—from startups to billion-dollar enterprises—Evolution brings unmatched insight. We've collaborated with thousands of professionals: operators, executives, IT teams, auditors, and consultants. This collective experience results in a deep, broad knowledge base that no single developer or finance operator can replicate.

  Simply put, Evolution’s expertise towers over individual-run ventures. Our legacy is built on feedback, collaboration, and real-world execution—translating into generations of industry knowledge embedded in our product.

  Credibility is earned, not claimed—and it cannot be bought or copied.

• Evolution launched a Windows-based premium finance solution in 1993. One competitor didn’t release theirs until 2008—15 years later—while another followed even later. Yet, those same vendors now claim to be leaders in innovation.