What We Do

Vector One was formed in 1989 as an operational resource for the insurance industry. As an interactive computer services provider, Vector One provides technology that facilitates business-to-business information sharing and communication among subscribing companies. The platform supports subscribers’ internal fraud prevention, compliance, due diligence, and risk-management efforts relating to commission-related debit balance obligations arising from business relationships with independent producers.

Participating subscribers manage their own debit balance information and communicate directly with other subscribers. Vector One provides the technology infrastructure that allows subscribers to identify whether information exists within the system and obtain contact information for the subscriber responsible for that information. Subscribers remain responsible for their own business decisions and independent review processes.

Who needs Us

Who needs vector one:

Life and Health Insurance Companies and National Marketing Firms that contract with independent producers and want to:

• Strengthen internal compliance and market conduct oversight.

• More competitively price their products by reducing losses resulting from debit balances.

• Improve the chances of resolving outstanding debit balances.

• Support internal fraud prevention, compliance, and risk management programs.

• Streamline operational processes associated with managing commission-related debit balance obligations.

Ask yourself:

• What is the financial impact of unresolved debit balances on your company’s bottom line?

• How much premium revenue does your company need to book to offset the losses from debit balance issues?

• Can you do additional due diligence to better protect your policyholders?

• Can additional information support your company’s internal fraud prevention, compliance, and risk management efforts? 

Why subscribers participate:

Participating companies use Vector One to support internal operational processes related to commission-related debit balance obligations. The platform provides a centralized resource designed specifically for insurance industry participants operating through independent distribution channels.

About

For more than three decades, Vector One has supported insurance industry participants with technology designed to facilitate the management of commission-related debit balance obligations associated with independent insurance producers.

Contact Us

This site is for general information purposes only. If your company is interested in applying to become a subscriber, please complete the following form. Vector One will review the information you provide and, if your company meets the initial eligibility requirements, will contact you regarding the subscriber application process.

Contact information

Mailing Address:
PO Box 12368
Scottsdale, AZ 85267
Phone:
(800) 851-8559
Fax:
(480) 922-7720

ARE YOU A Producer?

Producers, please do not contact Vector One using the form to the left.

If you are an producer, please Click Button Below:

Producers -Contact Us

Debit-Check® Hotline:

(800) 860-6546

Vector One Operations, LLC manages the interactive computer services provided by Debit-Check, a business-to-business information sharing service that supports insurance industry participants in managing commission-related debit balance obligations arising from commercial relationships with independent producers. Debit-Check is not a consumer reporting agency, does not provide consumer reports, and does not maintain credit reports, credit scores, or ratings of any kind.

Through Debit-Check, participating insurance industry subscribers may share limited information with one another about commission-related debit balances. All information in Debit-Check is submitted and maintained by participating subscribers.

If you are an independent producer and would like to know whether any Debit-Check subscriber currently maintains a posting associated with you, you may submit a written request by mail or fax using the form below, or by submitting your own written request that includes your full name (or agency name), Social Security Number (or Tax Identification Number), mailing address and/or fax number, signature, and date.

Upon receipt of a qualifying request, Vector One will review the subscriber postings in Debit-Check and respond in writing.  If one or more subscribers currently maintain a posting, Vector One will provide the name and contact information of the posting subscriber(s) so that you may contact them directly.  If no postings are found, Vector One will confirm that in writing.

Vector One does not create or independently evaluate underlying documentation or make determinations regarding any posting.

Download producer Information Request Form Below:

If you are already aware of the company or companies maintaining a posting associated with you in Debit-Check and wish to dispute a posting, please submit a written request by mail or fax explaining the basis for your dispute. Your letter must include your full name (or agency name), Social Security Number (or Tax Identification Number), mailing address and/or fax number, signature, and date. Upon receipt, Vector One will process your letter by forwarding it to the posting company for response.

If you have other questions, please address them in writing. Due to privacy considerations, Vector One does not accept telephone inquiries from producers.