Built Together: How New Mexico Mutual and InvoiceCloud Delivered Modern Premium Payments on Guidewire

New Mexico Mutual partnered with InvoiceCloud to replace a legacy billing system that was creating policyholder disruption and manual work for their team. Integrated natively with Guidewire BillingCenter, the new platform went live in six months — expanding payment options, increasing agency and policyholder adoption, and reducing cancellations and reinstatements driven by payment friction.

$30k

saved in print and mail expenses

67%

total electronic payment adoption

62%

total paperless adoption

The Challenge

New Mexico Mutual’s legacy billing system couldn’t keep pace with the complexity of their policies. When endorsements or audited premiums changed mid-term, scheduled payments broke — triggering cancellations, reinstatements, and a cycle of manual corrections that burdened their billing team. The carrier needed a modern ACH solution with expanded payment options that worked within their Guidewire environment and made paying premium easier for every policyholder.

Our Approach

After evaluating vendors, New Mexico Mutual selected InvoiceCloud for its modern platform, Guidewire Billing Center integration, and partnership approach from day one of the RFP process. The implementation was completed in six months with minimal disruption to policyholders and delivered digital wallets, pay by text, IVR, credit card, and PayPal, guest checkout and single sign-on for direct website payments (no portal account required), and modern ACH that stays current when policy changes affect premium amounts

The Result

Since going live on InvoiceCloud, New Mexico Mutual has seen measurable improvement across both policyholder experience and internal operations.

Increased digital adoption among policyholders and agency partners

Fewer cancellations and reinstatements driven by payment disruption

Reduced manual work for the billing team

Hear From Our Customers

“The implementation with InvoiceCloud was collaborative. It didn't feel like the conventional carrier-vendor relationship. We were able to implement the project within 6 months with minimal disruption to our policyholders.”

Cynthia Luna

Director of Underwriting and Customer Service, New Mexico Mutual

We implemented a seamless billing automation solution, ensuring zero disruption to Client Name’s existing workflows. Operational and financial bottlenecks were growing as teams relied on manual.

Get the full story

Hear more about the operational benefits New Mexico Mutual saw with its modernized billing and payment plaform.

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