AAIS

What AAIS does

AAIS (American Association of Insurance Services, Inc.) is a U.S. national 501(c)(6) not-for-profit advisory organization founded in 1936 and headquartered in Lisle, Illinois, operating as a fully remote entity with more than 100 employees. It serves property and casualty (P&C) insurance carriers by providing standardized advisory solutions — including policy forms, manual rules, and rating guidelines — across five core lines: Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. AAIS is governed by its Member carriers, making it the only national not-for-profit advisory of its kind in the U.S. P&C market, and it is a licensed statistical agent in more than 50 jurisdictions.

The organization's product surface spans three layers. The advisory layer includes the FLAMES (Fire Loss and Mitigation Evaluation Score) methodology that re-frames public-fire-protection rating around mitigation effectiveness rather than equipment counts, plus Regulatory Compliance, Onboarding, and Actuarial Services. The technology layer consists of the Speed to Market (S2M) Toolkit for accelerated filings, a Statistical Data Management Application for regulatory reporting, and the openIDL open insurance data exchange platform. Distribution to Members is delivered through the AAISdirect secure portal and a Partner Program of more than 50 technology, reinsurance, and services providers (including Duck Creek, Guidewire, Insurity, Vertafore, Wolters Kluwer, Swiss Re, Munich Re, Gen Re, and RMS), with separate MGA/Program Administrator access mediated through partners such as VRC Insurance Systems, Damco Solutions, and Joshu.

Revenue is generated primarily through membership fees on a subscription/recurring basis; pricing is not publicly disclosed. The company recently appointed Keith Wolfe (formerly Guy Carpenter North America CCO; 27 years at Swiss Re/GE) as President and CEO effective March 1, 2026, and added eight core-tier partners to its ecosystem between September 2025 and March 2026, signaling ongoing ecosystem and product expansion within its established member-governed model.

Name

AAIS

Legal name

American Association of Insurance Services, Inc.

Website

https://aaisonline.com

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

51–100 employees

Short description

AAIS is a U.S. national not-for-profit advisory organization providing property and casualty insurance carriers with standardized policy forms, rating guidelines, regulatory compliance support, statistical data management, and the AAISdirect member portal, governed by its Member carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Lisle

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: AAIS is a not-for-profit advisory organization that generates revenue through membership fees from property and casualty insurance carriers. Members pay for access to advisory solutions, policy forms, rating guidelines, and data management capabilities.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

AAIS is a not-for-profit advisory organization that develops and delivers insurance policy forms, manual rules, rating guidelines, and loss-cost information for property and casualty (P&C) carriers across Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. It also provides regulatory compliance filings, actuarial services, onboarding support, and proprietary tools such as FLAMES (fire risk evaluation), the Speed to Market (S2M) Toolkit, and the openIDL data exchange platform, all accessed through the AAISdirect member portal.

Product overview

AAIS (American Association of Insurance Services) is a not-for-profit advisory organization offering a comprehensive suite of insurance advisory products organized across five core lines: Personal Lines, Commercial Lines, Farm & Ag, Inland Marine, and Auto. These are supported by a range of service offerings including Regulatory Compliance, Actuarial Services, Onboarding Services, and the FLAMES fire risk evaluation methodology. The organization provides technology solutions through the Speed to Market (S2M) Toolkit, Statistical Data Management Application, and openIDL platform, accessed via the AAISdirect member portal. The portfolio is delivered through a Partner Program connecting members with specialized technology and service providers across payment processing, analytics, underwriting technology, and other insurance solution categories.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Lines Policy forms, manual rules, and loss-cost rating information for personal insurance coverages including dwelling properties, homeowners, mobile-homeowners, flood protection, personal umbrella, watercraft, and personal inland marine. Designed for standard markets with customization for non-standard and preferred markets; sold to P&C insurance carriers.
• Commercial Lines Advisory programs providing policy forms, manual rules, and rating guidelines for commercial insurance coverages serving business clients across various industries; sold to P&C insurance carriers.
• Farm & Ag Specialized insurance advisory products for farm and agriculture operations, providing forms and rating guidance tailored to agricultural exposures; sold to P&C insurance carriers.
• Inland Marine Insurance forms, manuals, and rating information for inland marine coverages including transport, bailee, and specialty risks; sold to P&C insurance carriers.
• Auto Policy forms, manual rules, and rating guidance for personal auto insurance programs, including Personal Auto Program offerings; sold to P&C insurance carriers.
• Regulatory Compliance
• Onboarding Services
• Actuarial Services
• FLAMES (Fire Loss and Mitigation Evaluation Score)
• Statistical Data Management Application
• Speed to Market (S2M) Toolkit
• openIDL
• AAISdirect

Quantifiable outcome

• 90 years of continuous service to the P&C insurance industry since 1936
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability6 records

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• ePayPolicycoreTechnology or Integration · 16 March 2026ePayPolicy joined the AAIS Partner Program providing AAIS Member insurance carriers access to integrated digital payment platform for streamlined premium collection and policy binding. The platform supports credit card, ACH, and automated premium financing options, serving over 10,000 insurance organizations.
• The Berwyn GroupcoreTechnology or Integration · 9 March 2026The Berwyn Group joined the AAIS Partner Program offering death audit and location intelligence solutions. With over 35 years of experience and serving more than 2,000 organizations, The Berwyn Group provides tools like the CertiDeath platform to help insurers verify deceased insureds and prevent improper payments.
• Damco SolutionscoreTechnology or Integration · 17 February 2026Damco Solutions joined as a new partner combining AAIS's regulatory-ready forms and industry expertise with Damco's Insurance Management Systems and implementation capabilities to help insurers and MGAs simplify compliance and launch programs faster.
• Keith Wolfe (Leadership)coreOthers · 12 February 2026Keith Wolfe appointed as President and CEO effective March 1, 2026. Wolfe previously served as Chief Commercial Officer for Guy Carpenter North America after 27 years with Swiss Re and GE.
• JoshucoreTechnology or Integration · 15 December 2025Joshu joined the AAIS Partner Program to support insurers in faster product launches and compliance through a cloud-based underwriting and distribution platform.
• SelectsyscoreTechnology or Integration · 1 December 2025Selectsys joined the AAIS Partner Program to collaborate on building and maintaining Inland Marine Rating APIs that support faster MGA and Program Administrator operations.
• Property GuardiancoreTechnology or Integration · 24 November 2025Property Guardian joined the AAIS Partner Program to provide advanced wildfire analytics and risk assessment tools for insurance industry members. Partnership aims to enhance underwriting, pricing, and risk management for wildfire-exposed property portfolios.
• VRC Insurance SystemscoreTechnology or Integration · 22 September 2025VRC Insurance Systems joined the AAIS Partner Program providing software solutions that help MGAs and carriers manage quoting, policy issuance, claims, and premium accounting from a centralized platform (Verity).
• ECCA Payroll+minorOthersPayroll services partner.
• Inland Marine Underwriters AssociationminorOthersIndustry association partner for inland marine sector.
• IRMIminorOthersInternational Risk Management Institute, education and resources partner.
• Martin & CompanyminorOthersInsurance services partner.
• Perr&KnightminorOthersInsurance consulting and actuarial services partner.
• Stanley Parsons Insurance ServicesminorChannel Partner/ Reseller/ DistributorInsurance services partner.
• WAHVEminorOthersWork At Home Vintage Experts providing talent acquisition services for the insurance industry.

Scale indicators3 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Verisk (ISO): Verisk's Insurance Services Office (ISO) division is AAIS's most direct competitor, providing policy forms, advisory services, statistical data, and rating information to U.S. P&C carriers at significantly greater scale. Both organizations serve the same primary customer base (P&C insurance carriers) with substantially overlapping product lines.
• National Council on Compensation Insurance (NCCI): NCCI is a similar not-for-profit advisory organization that provides rating, statistical, and advisory services specifically for workers compensation insurance. Its structure (nonprofit, member-driven, statistical agent in multiple jurisdictions) and business model closely parallel AAIS, making it a strong functional peer in a related line of insurance.
• NAMIC (National Association of Mutual Insurance Companies): NAMIC is a national trade association serving mutual insurance carriers, a core member segment for AAIS. It provides advocacy, education, and member services to a substantially overlapping constituency, and many of its members are also AAIS Members.
• PCI (Property Casualty Insurers Association of America): PCI is a national trade association representing property and casualty insurers, with substantial overlap in target member base with AAIS. It provides advocacy, industry intelligence, and member services to P&C carriers that may also be AAIS Members.
• CIAB (Council of Insurance Agents & Brokers): CIAB is a national trade association for insurance agents and brokers, with member overlap into the P&C value chain that AAIS serves. While it is more agent/broker-focused than AAIS (which is carrier-focused), it is comparable as a not-for-profit, member-driven advisory organization serving the broader P&C industry.

Broad incumbents

• Wolters Kluwer: Wolters Kluwer is a global information services company whose regulatory compliance and insurance compliance solutions (e.g., OneSumX) overlap with AAIS's regulatory compliance and filing services. It is also listed as an AAIS Partner Program member, underscoring the overlap in serving insurance compliance needs.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides data, analytics, and risk assessment tools widely used by P&C insurers, overlapping with AAIS's Statistical Data Management Application and its broader data/analytics offerings. It operates at much larger scale and serves a broader set of insurance verticals.
• Guidewire Software: Guidewire is a leading core insurance platform provider for P&C carriers and is also an AAIS Partner Program member. Its core systems, analytics, and digital products intersect with AAIS's policy form, rating, and speed-to-market offerings, making it both a partner and an adjacent competitor.

Emerging players

• Applied Systems: Applied Systems provides agency management and insurance technology platforms to P&C agencies and carriers, with adjacent but not identical overlap to AAIS's advisory and forms services. It represents a technology-led competitor/partner in the broader P&C insurance technology ecosystem.
• Vertafore: Vertafore provides insurance agency management, rating, and connectivity software, overlapping with parts of AAIS's rating and forms ecosystem. It is also an AAIS Partner Program member, illustrating the cooperative/competitive relationship typical of insurance ecosystem participants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/AAISConnect
• YouTubeyoutube.com/channel/UCmKNcKCNTsG6vSh46SV4ziQ
• Facebookfacebook.com/AAISconnect
• LinkedInlinkedin.com/company/aaisconnect

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

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 AAIS