Nirvana Insurance improves deal visibility and speed with direct-to-insured billing

Challenges

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Nirvana Insurance set out to drive premium growth by launching a new non-fleet trucking program. However, this expansion presented unique hurdles—the program's high transaction volume created significant complexity for retail partners, who struggled to manage invoicing and payments for numerous insureds. Partners also needed a simplified way to offer premium financing for smaller policies without increasing their operational burden.

Solution

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Nirvana partnered with Ascend to streamline billing and premium financing for their non-fleet trucking program. With Ascend's direct billing capabilities, Nirvana Insurance billed insureds at the point of sale—complete with built-in financing options for its retailer. This not only simplified operations for distribution partners but also accelerated the program's time to market. By leveraging Ascend as their accounting operations platform, Nirvana scaled their program without the need for a large back-office team and maintained efficiency even as transaction volumes grew.

Results

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Nirvana’s non-fleet program launch was a clear success. With Ascend’s accounting operations platform, Nirvana achieved rapid growth without additional billing or finance hires, even as transaction volumes surged. By offering direct billing to insureds, they were able to work with more agency partners—leading to higher quote and submission volumes, fueling GWP growth.

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Ascend’s intuitive interface provides greater visibility and speed on individual deals, significantly outperforming traditional premium finance solutions. This efficiency allowed Nirvana to scale confidently, partnering with more agencies without adding operational complexity. With Ascend managing the financial back-end, Nirvana remained focused on their core strengths—AI-powered safety coaching and a modern claims experience—sharpening their competitive edge.

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