Your hardest problems are already solved. We just haven’t met you yet.
Each one built on products running in production — because claims without evidence are just consulting decks.
One system — agents, groups, and members working from the same source of truth.
Built for carriers and brokers who've outgrown stitched-together tooling. One platform, one sign-on — four roles, four dashboards. Each party sees exactly what they need.
Four Roles. Four Dashboards.
Products
Plan Management
The product catalogue. Plans, carriers, and pricing by state, ZIP code and agent level.
Enrollment Centre
Branded storefronts per agent and employer group. Save-and-continue, digital signature.
Admin Backend
Operational control room with role-based dashboards for agents, members, groups and administrators.
Carrier Reporting
Enrollments, changes and terminations transmitted in each carrier's format, validated before every run.
Bill accurately, collect reliably, and pay every tier of your distribution network correctly. No spreadsheet in the loop.
Every product below is in production, moving money every month.
Products
Invoice & Billing
Scheduled invoice generation with proration, mid-cycle changes, group-paid and individual billing in one engine.
Payments
ACH and cheque collection with retry logic, dunning, and delinquency rules that carry through to policy status.
Commission Engine
Direct, downline, overrides, flat fees, one-time and affiliate compensation. Multi-party distribution flows reconciled against cleared payments.
HaloPay
Standalone pay-in and pay-out product built by CTS. Customisable and white-labelled for clients.
Build new, or move what you already depend on off the architecture holding it back.
Take the whole thing off your plate, or put our engineers inside your team — either way, the people who ship it still know it in year three. Full lifecycle: discovery through scale. Web, mobile and platform products — one team.
Lifecycle
Message Centre
Centralized transactional messaging infrastructure. Client-specific templates, deployable outside insurance.
E-commerce & Storefront Platforms
Custom-built storefronts and content platforms for digital commerce.
VOD & Streaming Platforms
Video-on-demand streaming services built at consumer scale.
Data Platforms & Enterprise Workflow Apps
Operational tooling and workflow applications for enterprise teams.
Live Platform Migration
Our own insurance platform, being modernized under real financial load — database redesign, module decomposition, stack migration.
Custom Development
If your problem doesn't fit a category, that's usually when it's worth solving properly. We scope, build and run bespoke software — simple applications through complex, business-critical systems — sized to what you actually need.
Put operational data to work. We deploy AI where a human still signs off — in regulated operations, that's the only place it belongs.
We build long-term data management partnerships — not one-off projects. The AI we ship is explainable by design, embedded in live operational flows, and always has a human who signs off.
Data Pipeline
Products
Recommendation Engine
Retrieval-based decision support trained on historical data. Human-in-the-loop by design — proposes, never approves.
Intelligent Assistants
Conversational AI for internal support and operations teams — document retrieval, query resolution, workflow triage.
Operational Analytics
Reporting and analytics across enrollment, retention, billing and distribution performance. Ten years of production data under management.
The team that built your system runs it. AWS, through month-end, every month.
We provide cloud architecture and deployment for systems we build, and take over operation of systems built by others — including the hardening work regulated buyers require before they sign.
What We Operate
Operating Record
A single messaging service consumed by every other system. No service sends notifications directly — everything routes through Message Center.
Channels
How It Deploys
Centralized AWS messaging infrastructure - automated send, retry and delivery logging
Client-specific templates, built and maintained by our team
Cleanly separable - deployable as a standalone, API-accessible message center
Multi-tenant by design: separate data and configuration per client
Available white-labelled, or as a managed API service alongside systems we did not build
Tell us what you’re building — or what’s breaking.
We’ll tell you honestly what we can do. A 30-minute call, no commitment. Typically responds within 24 hours.