Rhoads Online Institute

What Rhoads Online Institute does

Rhoads Online Institute, founded in 2006 and headquartered in New York City, is a privately-held vertical technology company serving the U.S. insurance distribution market. It operates a "Compliance Decision Engine" — a cloud-based SaaS platform centered on PCRM (Producer Compliance & Relationship Management) — that centralizes producer licensing, appointments, renewals, and continuing education tracking for insurance carriers, agencies and brokers, managing general agents (MGAs), and insurance adjusters. The platform integrates directly with regulatory data infrastructure including the National Insurance Producer Registry (NIPR) and the Producer Database (PDB), and connects via APIs to internal carrier, agency, and policy admin systems. According to company-reported scale metrics, Rhoads supports 600+ insurance organizations, tracks 3.5M+ licenses across jurisdictions, manages 4.5M+ producer appointments, and processes 10M+ compliance transactions annually.

The product suite is structured as a core platform plus two modules: PCRM as the operational backbone, Managed Services (compliance specialists executing licensing transactions on behalf of clients), and REGINA AI (a natural language regulatory intelligence assistant introduced in 2026). Revenue is generated through quote-based enterprise SaaS subscriptions on annual billing, augmented by higher-touch managed services engagements; pricing is not publicly disclosed and the sales motion is enterprise field sales with demo-based conversion and active participation in insurance industry conferences. Strategic partnerships with NIPR (regulatory data), Applied Systems (agency management systems), SILA (industry association), Advanced GRC, and Agent Review anchor the platform's data and distribution reach. Rhoads has been self-sustaining since founding with no disclosed external funding rounds, institutional investors, or M&A activity.

Name

Rhoads Online Institute

Legal name

Rhoads Online Institute

Website

https://www.rhoadsonline.com/

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Rhoads Online Institute is a privately-held vertical SaaS company, founded in 2006, that provides a compliance decision engine for U.S. insurance carriers, agencies, MGAs, and adjusters to manage producer licensing, appointments, and regulatory workflows at scale.

Ownership category

akta.pro rank

Headquarters

HQ city

New City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. SaaS Platform Licensing (PCRM): Subscription-based access to the PCRM platform for producer compliance and relationship management. Organizations pay for platform access to manage licensing, appointments, and compliance operations at scale.
2. Managed Services: Operational licensing support services where Rhoads specialists process renewals, filings, and regulatory transactions on behalf of clients. Extends client teams with experienced licensing specialists.
3. REGINA AI Access: AI-powered regulatory intelligence tool available as part of the Compliance Decision Engine, providing on-demand answers to compliance and licensing questions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Rhoads Online Institute provides a Compliance Decision Engine for insurance distribution organizations, anchored by its PCRM (Producer Compliance & Relationship Management) SaaS platform. The platform centralizes producer licensing, appointments, renewals, and continuing education tracking with direct integrations to NIPR, PDB, and state regulatory sources. The offering is complemented by Managed Services (operational licensing support) and REGINA AI (natural-language regulatory intelligence).

Product overview

Rhoads Online Institute offers a unified Compliance Decision Engine built on three integrated products: PCRM (Producer Compliance & Relationship Management) as the core platform, REGINA AI as the AI-powered regulatory intelligence assistant, and Managed Services as the operational support layer. These three products work together as an integrated system: PCRM serves as the operational backbone connecting licensing, appointments, onboarding, and regulatory data; REGINA AI provides natural language access to regulatory intelligence; and Managed Services extends team capacity for executing licensing transactions. This platform-plus-modules architecture is designed for carriers, agencies, MGAs, and adjusters managing complex distribution compliance operations.

Differentiator

Problem solved

Functional benefit

Brands

• PCRM: Producer Compliance & Relationship Management - the technology backbone for producer management, end-to-end licensing, appointments, and compliance operations.
• Managed Services
• REGINA AI

Products and services

• PCRM (Producer Compliance & Relationship Management)

Quantifiable outcome

• 10M+ compliance transactions processed annually
• +6 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Agent ReviewminorStrategic or Co-development Partner · 30 March 2026Agent Review partnered with Rhoads Online to establish trust standards for insurance professionals in AI-driven search. Rhoads provides monthly third-party verification of professional profiles combined with credentials from credentialing organizations including RSSA and Medicare Masters Certificate, creating compounded trust signals for AI systems.
• Applied SystemscoreTechnology or IntegrationStrategic technology partnership. Applied is a leading insurance software provider for agencies and brokerages. Partnership enables integration between Rhoads compliance platform and Applied's agency management systems for seamless producer licensing and compliance workflow connectivity.
• SILA (National Association of Insurance Compliance Professionals)coreStrategic or Co-development PartnerStrategic partnership with the insurance compliance industry's primary professional association. SILA provides regulatory expertise, certification programs (SILA-F designation), and industry standards. Rhoads participates in SILA Annual Conference and aligns platform capabilities with industry certification requirements.
• NIPR (National Insurance Producer Registry)coreTechnology or IntegrationNIPR is the non-profit affiliate of NAIC providing regulatory data services and producer licensing infrastructure. Rhoads maintains direct API connections to NIPR for real-time license verification, appointment filings, and regulatory data synchronization across all states.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AgentSync: Directly competes with Rhoads in producer compliance, licensing, and appointment management. AgentSync offers a modern, API-first platform for insurance carrier, MGA, and agency compliance workflows — overlapping significantly with PCRM on producer onboarding, license verification, and appointment tracking.
• Sircon (Vertafore): Sircon, now part of Vertafore, is a long-standing provider of producer licensing and compliance solutions for the insurance industry. Directly comparable to PCRM in licensing management, continuing education tracking, and state regulatory compliance workflows.
• Wolters Kluwer Compliance Express: Provides insurance compliance and producer licensing solutions to carriers and agencies. Direct overlap with Rhoads in license monitoring, appointment management, and regulatory compliance workflows for the insurance distribution channel.

Broad incumbents

• Applied Systems: Largest provider of agency management systems for insurance brokerages and a strategic Rhoads partner. While Applied focuses on broader agency operations (policy admin, CRM, accounting), its licensing and compliance capabilities overlap with PCRM, creating both partnership leverage and competitive risk.
• Vertafore: Major insurance technology incumbent offering a broad suite including agency management, rating, and compliance tools. Through its Sircon acquisition, Vertafore competes directly with Rhoads in producer compliance while also serving adjacent insurance workflows.
• OneShield: Provides core insurance software for carriers, MGAs, and TPAs with policy administration, billing, and claims capabilities. Targets the same carrier/MGA buyer segment as Rhoads and competes for compliance-related budget allocations.
• Insurity: Insurance-focused software and analytics provider serving carriers, MGAs, and TPAs with policy administration, claims, and compliance tools. Competes with Rhoads at the enterprise insurance buyer level for compliance and operational technology spend.
• Duck Creek Technologies: Provider of core systems for property & casualty insurance, serving carriers with policy, billing, and claims platforms. While not focused specifically on producer compliance, Duck Creek competes for the same large carrier IT budget that funds compliance infrastructure investments.
• Zywave: Insurance distribution technology provider offering agency management, content, and producer tools to brokers and agencies. Comparable to Rhoads in serving the agency distribution channel, with overlapping capabilities around producer enablement.

Emerging players

• Appulate: Provides real-time insurance data exchange and producer/agency workflow automation for commercial lines. Adjacent to Rhoads in enabling agent-carrier connectivity and producer data flows, though focused more on downstream commercial lines workflows than licensing compliance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/rhoads
• Xx.com/RhoadsPCRM

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rhoads Online Institute