# ThreeFlow

> The Benefits Placement System connecting brokers and carriers

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Chicago, IL, USA |
| Founded | 2015 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Series B (USD 53M total raised) |

## Overview

ThreeFlow is the creator of the Benefits Placement System (BPS), a category of enterprise software it pioneered to modernize how insurance brokers and carriers collaborate on employee benefits placement. Originally founded in 2015 as WatchTower, the company rebranded to ThreeFlow and launched its platform in 2021.

The platform serves as a shared system connecting brokers and carriers throughout the full benefits lifecycle -- from quoting and analysis through negotiation, presentation, and implementation -- without replacing existing tools like CRMs or benefits administration systems. By the end of 2025, ThreeFlow managed USD 3.7B in premium across 450+ broker locations, 78 certified carriers, and more than 19,100 employer groups. Of that managed premium, USD 1.9B was actively transacted during 2025, with placement activity nearly doubling year-over-year to 43,000 coverages.

The company's core value proposition is eliminating the manual, error-prone work that has historically characterized benefits placement workflows. AI-powered quoting reduces manual quoting work by up to 60%, saving 7+ hours per RFP and delivering claimed 50% workday time savings for users.

## Products & services

### Benefits Placement System \(BPS\)

The core platform connecting brokers and carriers in a shared environment to manage the entire placement process -- new business RFPs, renewals, analysis, negotiation, and implementation. Manages USD 3.7B in premium under management with USD 1.9B actively transacted in 2025.

**Key features:**

- Shared workflow environment for brokers and carriers
- New business and renewal management
- Negotiation and analysis tools
- Implementation support

*Target users:* Employee benefits brokers, group insurance carriers

### Quoting 2\.0

AI-powered quoting with built-in accuracy controls and automated data normalization across carrier quote formats. Reduces manual quoting work by up to 60%.

**Key features:**

- AI\-populated quotes from carrier submissions
- Automated data normalization across formats
- Built\-in accuracy controls
- Significant time savings per RFP

*Target users:* Benefits brokers

### ThreeFlow Insights

Market analytics and intelligence tools providing benchmarking data and proprietary market signals for brokers and carriers.

**Key features:**

- Market benchmarking data
- Proprietary pricing signals
- Competitive intelligence for brokers and carriers

*Target users:* Brokers, Carriers

### ThreeFlow Connect

Integration layer that automates setup and syncs data across CRMs, AMS platforms, benefits administration tools, and carrier quoting systems.

**Key features:**

- Salesforce integration
- AMS \(broker management system\) connectors
- Benefits administration platform integrations
- Carrier quoting system connections

*Target users:* Benefits brokers, IT teams

### Smart Proposals

Quote comparison and presentation tools that allow brokers to build client-facing proposal materials directly from placement data.

*Target users:* Benefits brokers

### AI\-Assisted Coverage Builds

Automatically populates coverage details for existing client portfolios in minutes.

*Target users:* Benefits brokers, carrier representatives

### Fully\-Insured Medical

Support for ACA and mid-to-large market fully-insured medical coverage. Launched in 2025 to expand platform coverage beyond ancillary lines.

*Target users:* Benefits brokers, medical carriers

## Category & focus

- Subcategories: Benefits Placement, Group Benefits Technology, Broker\-Carrier Collaboration
- Insurance verticals: Group Benefits, Health
- Target customers: Brokers, Carriers, Employers

## Notable customers

- NFP \(broker\)
- M3 Insurance \(broker\)
- Arista \(broker\)
- Axion \(broker\)
- Henderson \(broker\)
- Scott & Company \(broker\)
- Guardian Insurance \(carrier\)
- Lincoln Financial \(carrier\)
- OneAmerica \(carrier\)
- The Hartford \(carrier\)
- ManhattanLife \(carrier\)
- Wellfleet Workplace \(carrier\)
- RMTS \(carrier\)
- Vision Benefits of America \(carrier\)

## Links

- Website: <https://www.threeflow.com>
- Directory profile: <https://insurtechlist.com/companies/threeflow/>
- Linkedin: <https://www.linkedin.com/company/threeflowtech>
- Demo request: <https://www.threeflow.com/request-demo>
- Broker portal: <https://broker.threeflow.com>
- Press & media: <https://www.threeflow.com/press-media>
- Carrier portal: <https://carrier.threeflow.com>
- Resources & blog: <https://www.threeflow.com/resources>

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*Last updated: 2026\-04\-08*