From Premium Payments to Digital Disbursements: How California Mutual Insurance Company Modernized Its End-to-End Payment Experience

How California Mutual Insurance Company modernized its end-to-end payment experience — and eliminated check fraud risk — with InvoiceCloud.

100%

Manual check runs eliminated

2-Way

Inbound + outbound payments

0

New vendors needed

Sept '25

Live with disbursements

The Challenge

Agent commissions and policyholder refunds went out as mailed checks every month, a time-consuming and risky process for California Mutual. Return premium checks were a recurring headache that meant undeliverable refunds and follow-up work. There were even issues with check fraud: one commission check was intercepted and altered before deposit.

Our Approach

By extending an existing InvoiceCloud relationship (California Mutual already used InvoiceCloud for inbound premium payments via SimpleSolve) to outbound disbursements, the carriers was able to eliminate the integration learning curve by building on a proven, trusted platform. California Mutual launched agent commission payments and return premium refunds via digital disbursement in September 2025, and enjoyed a coordinated rollout across California Mutual, InvoiceCloud, and SimpleSolve with California Mutual involved in design decisions from day one.

The Result

Automating disbursements gave California Mutual’s lean finance team real capacity back and removed paper check vulnerabilities entirely. The result was faster payments, lower costs, and less risk.

Finance reviews and releases payments faster

Lower costs due to less printing and mailing

Better policyholder experience

Hear From Our Customers

“Working with InvoiceCloud feels like working with my own staff. There isn't any red tape to get assistance and support.”

Cheri Schmidt

CFO, California Mutual Insurance Company

Learn how InvoiceCloud partners with Guidewire to improve inbound and outbound payments for insurers nationwide.

Get the full story

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