ELIAS AI — Evolving Learning & Intelligent Automation Solutions

Insurance intelligence.
Purpose-built.
Integrity-governed.

ELIAS is not general-purpose AI adapted for insurance. It is insurance intelligence — designed from the ground up around transparency, accountability, and the professional who does the work. Every claim. Every decision. Every action. Visible, defensible, and yours.

4 Models
Multi-model architecture
4 Levels
Autonomy — you choose
0 Black Boxes
Every action attributed
CIS
Certified Integrity Standard
Then — EVO-X
The First Move
  • First CMS in insurance with conversational AI
  • Single-model — OpenAI only
  • Connected to FileTrac data but not governed by it
  • No transparency architecture — no audit trail
  • Proved the concept. The concept required a rebuild.
Rebuilt from first principles
Now — ELIAS AI
The Complete Rebuild
  • Multi-model architecture — purpose-built for resilience
  • Agentic capabilities with defined authority boundaries
  • Every action logged, attributed, and narrated in plain language
  • CIS-bound — governed by the Ark Alliance Certified Integrity Standard
  • SOC 2 Type II compliant. Data isolation. No model training on your data.
ELIAS — Knows
How We Got Here

We were first.
Then we started
over.

We didn't add AI to FileTrac — we'd been doing that since before the industry was paying attention. What ELIAS AI represents is something fundamentally different. Not EVO-X improved. A purpose-built insurance intelligence platform designed from first principles around transparency, governance, and compliance.

This is what AI in a regulated industry actually requires.

ELIAS — Connects
Conversation First. Every Device.

Not menus. Not forms.
Just ask.

ELIAS is built around natural conversation — the same way you think about a claim. On a roof or at your desk, ELIAS adapts to you. One intelligence. Every device.

Mobile — In the Field

ELIAS lives on your phone as a streamlined conversation. Snap photos and get instant AI-powered damage analysis. Dictate notes and ELIAS transcribes and summarizes them. Your full intelligence layer — at every property.

Desktop — At Your Desk

ELIAS expands into a full workspace. Chat on the left, artifacts on the right. Review full estimates, compare documents side by side, and edit reports — all within one continuous conversational thread.

ONE BRAIN

Continuous Context

Start a claim on your phone at the property and finish the estimate on your laptop at home. ELIAS remembers everything — conversation, context, claim.

EVERY SYSTEM

Connects What You Use

ELIAS integrates with the systems you already use through secure, API-only connections — claims management, carrier portals, field tools. One conversation bridges them all.

EVERY ROLE

Adjuster to Executive

Whether you're on a roof or reviewing portfolio performance, ELIAS speaks your language — because the conversation changes based on who's asking.

ELIAS — Works
Capabilities

Everything you need.
One conversation away.

Photo Analysis

Capture damage photos and receive AI-driven severity ratings, damage classifications, annotated overlays, and suggested line items — instantly, in the field.

"Analyze these roof photos and flag any damage consistent with the April 6 storm event."

Estimate Assistance

Build, review, and validate estimates with line-item detail. Cross-references scope against photos, flags omissions, and ensures your numbers tell a defensible story.

"Build a draft estimate from today's inspection — roof, gutters, and east-side siding."

Document Generation

Generate professional documents in seconds — denial letters, status updates, coverage summaries — using real claim data. No re-keying. No templates to maintain.

"Draft a coverage denial letter for claim #FT-4821 using the policy exclusion on file."

Voice & Transcription

Record field notes or policyholder conversations. ELIAS transcribes, summarizes, and extracts action items automatically — starting the moment you arrive on-site.

"Transcribe my inspection notes from this morning and extract any open action items."

Natural Language Search

Search your entire claims database the way you think — not by filters and date ranges, but by asking. ELIAS understands context, storm events, client names, and loss types.

"Show me all open hail claims in Texas assigned to Maria from the last 90 days."

Training & Coaching

Personalized guidance based on your experience level. Ask ELIAS mid-claim about a coverage question, a regulation, or a scope decision. Your knowledge compounds with every file.

"Explain the distinction between crazing and hail impact on vinyl siding for this estimate."
ELIAS — Grows
Built for Every Role

One intelligence.
Every seat in the industry.

For Adjusters

Your partner.
Not your replacement.

ELIAS works alongside you at every property, on every file. Your judgment sharpens. Your documentation becomes defensible. Your reputation builds — because everything you do is transparent, timestamped, and verified.

  • Real-time photo analysis at every property
  • Voice dictation with instant transcription and summary
  • Estimate assistance with CIS validation before submission
  • In-context training — learn exactly when you need it
  • Your professional profile, credentials, and CIS score — always live
ELIAS AI
● ACTIVE
Adjuster
This siding pattern looks different. Not sure if it's pre-existing or storm related.
ELIAS
I can see crazing in the vinyl — thermal stress fracturing, not hail impact. It's a meaningful distinction: typically excluded under standard HO policies. The hail damage on the adjacent section is legitimately separate. Want me to pull the relevant exclusion from this carrier's policy and flag it in the file narrative?
For IA Firms

Configure once.
Run automatically.

Hand ELIAS your carrier contracts, fee schedules, and requirements — then watch it configure FileTrac for maximum automation. Every rule, every trigger, every billing pathway. Properly. The first time.

  • Carrier contract ingestion and automatic configuration
  • Fee schedule setup and invoice automation
  • Intelligent adjuster assignment and dispatch
  • Real-time oversight across all open files
  • Automated compliance checks before every submission
ELIAS AI
● ACTIVE
User
ELIAS, here's the new Acme Insurance fee schedule for 2026. Update everything and make sure invoicing is fully automated.
ELIAS
Done. 4 fee tiers configured, invoice triggers set to auto-generate on Inspection Complete, Net 30 terms applied per section 4.2. I also noticed their contract requires photo documentation before invoice approval — I've added that as a workflow gate. Ready for your review.
For Carriers

Oversight that
configures itself.

CrossTrac oversight, reporting requirements, compliance standards — all configured to match your exact contract terms. Ask ELIAS about any claim across any IA firm. No report builder. No waiting.

  • CrossTrac real-time oversight across all IA firms
  • Contract compliance verification on every file
  • Natural language portfolio queries — no report builder
  • CIS-validated adjuster work before you see it
  • Policyholder transparency records on demand
ELIAS AI
● ACTIVE
User
Show me all open claims from Hurricane Milton in Florida — total reserves, average cycle time, which IA firms have the most files.
ELIAS
47 open Milton claims in Florida across 6 IA firms. Total reserves: $2.8M. Avg cycle time: 24 days. Top firm by file count: Meridian — 11 files, $680K reserves. Three files have inspection overdue by more than 7 days. Want me to flag those firms?
For TPAs

Complex configurations.
Made effortless.

Contracts, treaties, claim shares, authority levels, bordereaux, syndicate reporting — the most complex configurations in the claims industry. ELIAS reads your contracts and builds the guardrails natively.

  • Contract and treaty ingestion with native configuration
  • Claim share and authority level enforcement
  • Bordereaux and syndicate reporting — formatted to spec
  • Every dollar tracked, every authority enforced automatically
  • Reserve management with full audit trail
ELIAS AI
● ACTIVE
User
How do I configure a reserve cap for Expense vs Indemnity on the new Lloyd's treaty?
ELIAS
I've reviewed the Lloyd's treaty document you uploaded. Section 8.4 defines the split: Indemnity capped at $2.5M per occurrence, Expense at $350K. I can configure both caps now with automatic flags when reserves approach 85% of limit. Want me to also set the bordereaux field mapping while I'm in there?
Human-in-the-Loop by Architecture

You're always
in control.

ELIAS operates across a clear spectrum of autonomy. You and your organization choose the level that fits — enforced by architecture, not by policy.

01
Manual

You do the work. ELIAS provides information when asked. No automation — pure intelligence-on-demand at every step.

Full adjuster control
02
Instructed

You tell ELIAS what to do. It executes and surfaces the result. You confirm before anything is finalized. Every time.

Human confirmation required
03
Delegated

ELIAS acts on pre-approved rules. Anything outside the norm is flagged for your review before it proceeds — no exceptions.

Rules-based with escalation
04
Automated

For routine, low-risk tasks, ELIAS handles them end to end. Full audit logging. Every action attributed and retrievable.

Complete audit trail
Transparency Architecture

No black boxes.
No hidden decisions.

Every action in ELIAS is fully traceable. Every decision is narrated in plain language — visible to your team, your clients, and any regulator who asks. Transparency is not a feature of ELIAS. It is the foundation it is built on.

Origin
Who initiated the action

The user, a workflow trigger, or an automated rule. Every action has a traceable starting point with timestamp and session ID.

Executor
Who carried it out

ELIAS, a specific AI model version, or a human user. Model version is logged. No ambiguity about which intelligence was responsible.

Authority
Who is accountable for the result

The licensed adjuster, the firm, or the carrier. Accountability is established before the action is executed — not after.

ELIAS Transparency Record
Session #EL-20260413-0847
Origin
User: Marcus W. · AdjusterIQ Mobile · 8:15 AM CDT
Action Taken
Photo analysis (14 images) + Estimate generation + CIS validation + File submission
Read-only data access No PII transmitted Human confirmed
Executor
ELIAS AI · Claude claude-sonnet-4-6 (Primary) · v2.1.4
Authority
Marcus W. · TX License #1294847 · CIS Score 94.5 ✓
Plain Language Summary
ELIAS analyzed 14 field photos, identified hail damage consistent with the April 6 storm event, and generated a line-item estimate of $18,790. Two adjuster corrections applied. Final file validated against CIS v1.2 — all 18 rules passed. Submitted to Meridian IA at 11:14 AM. No data was modified without explicit human confirmation. Tamper-evident log available on request.
Ark Alliance Foundation

ELIAS isn't just AI-assisted.
It's integrity-bound.

The Ark Alliance Foundation establishes the Certified Integrity Standard — an independent, verifiable framework for how claims AI should operate. ELIAS is built to operate within CIS at every level.

Every carrier building AI right now is training it on corrupted data — decades of altered estimates, suppressed scopes, and outcomes designed to minimize payouts rather than reflect reality. ELIAS is the only AI in the claims industry that doesn't start there.
Pillar I

Certified Integrity Standard

The CIS is built on First Principles — actual material costs, real local labor rates, genuine code requirements. Verifiable numbers that do not come from a black box and cannot be suppressed by historical manipulation. ELIAS validates every claim against it.

Pillar II

The Golden Record

A benchmark database built from First Principles — free from The Scrub. Every data point verified. Every estimate validated against actual construction costs, not historical suppressed numbers. The only clean reference point in the industry.

Pillar III

Policyholder Protection

Every claim processed through ELIAS carries a transparency record that can be shown to a carrier, a policyholder, or a regulator. The Reyes family received the exact same report their carrier received. No separate version. No black box.

The Certified Integrity Standard — What it means in practice

The CIS is not compliance theater. It is the only AI governance framework in the claims industry designed from the ground up around what the industry actually requires — and what policyholders actually deserve. Every action ELIAS takes is attributed. Every output is defensible.

  • Pricing validated against real-time, verifiable sources — not black-box historical outputs
  • Local code requirements verified per jurisdiction, not assumed
  • Every AI model version logged — no ambiguity about which intelligence made which call
  • Plain-language transparency narrative generated after every session
  • Tamper-evident audit log — queryable by carrier, regulator, or policyholder
Security Architecture

Your data stays
your data.

SOC 2 Type II

Enterprise-grade security controls audited by independent third parties. Certification in progress — H2 2026 target.

Encryption Everywhere

Data encrypted at rest and in transit using industry-standard protocols. No unprotected data in transit — ever.

Data Isolation

Each organization's data is fully isolated. Your data is never shared with other users or organizations — by design, not by policy.

No Model Training

Your conversations, documents, and claim data are never used to train AI models. Zero Data Retention (ZDR) agreements in place with all model providers.

Privacy-First Routing

Sensitive data is classified and routed to ensure it stays within compliant infrastructure. Carrier data never touches consumer AI pipelines.

Identity & Access

Evolution Global serves as the identity provider for the entire ELIAS ecosystem — centralized control, single sign-on, and role-based permissions across every product.

AI Architecture

Built on the right
models.
For the right reasons.

Insurance cannot afford a single point of AI failure. ELIAS runs a multi-model architecture — not for performance benchmarks, but because resilience in a regulated, high-stakes industry is not optional.

The model behind ELIAS is as important as the architecture around it.

Primary
Anthropic Claude
Front-end intelligence layer · ZDR enterprise agreement
Secondary
Google Gemini
Backup model · ZDR enterprise agreement
Secondary
OpenAI
Backup model · ZDR enterprise agreement
Agentic
Specialized Agentic Model
Long-horizon task execution · internal pipeline

ELIAS is built on Anthropic Claude as primary because their values align with ours — transparency, safety, and doing things the right way. Every model in the stack operates under Zero Data Retention agreements. Your data is never used for training. Ever.

The Evolution Global Ecosystem

Three layers.
One intelligence.

ELIAS is the connection between the data and the decision-maker. FileTrac is the data authority. AdjusterIQ is the human workspace. ELIAS is what makes them work together.

Live & Proven
Layer 1 — Data Authority
FileTrac
The single source of truth

25+ years in production. Full claims lifecycle. Every claim, every document, every financial transaction — structured, auditable, and accessible. The foundation everything else is built on.

  • Claims management, billing, reports, integrations
  • 25+ years of operational claims data
  • ELIAS AI now embedded as v1 intelligence layer
Active — First Release Live
Layer 2 — Intelligence
ELIAS AI
The intelligence that connects everything

ELIAS connects the data authority to the human workspace. In FileTrac, it's the co-pilot that makes your data usable through conversation. In AdjusterIQ, it becomes the full product — a governed AI that follows adjusters through every step.

  • FileTrac v1: search, documents, data, guidance
  • Multi-model, agentic, CIS-governed, fully transparent
  • Full standalone product in AdjusterIQ
Beta — Late 2026
Layer 3 — Human Workspace
AdjusterIQ
Where sovereign adjusters work

AdjusterIQ is where adjusters live — their professional identity, verified credentials, work history, certifications, and the Nexus marketplace for assignments. ELIAS AI is native to AdjusterIQ — not bolted on, built in.

  • Adjuster identity, credentials, CIS certification
  • Nexus marketplace — AI-powered matching
  • ELIAS AI as native intelligence — not an add-on
Early Access Open

Ready to work with
intelligence?

ELIAS AI is in active development. Join the early access list for AdjusterIQ — or, if you're managing claims today, FileTrac is ready for you now with ELIAS already inside.

No commitment required for early access · ELIAS v1 is live inside FileTrac today