Zeal is the warranty administration platform built for independent retailers who'd rather run their own extended protection program than continue to hand the underwriting margin to Allstate, Asurion, or the carrier behind your manufacturer's plan.
That money — the spread between what the customer pays and what the claim ultimately costs — is the most reliable line in the consumer durables business. For a century it has flowed, by default, to the half‑dozen national insurers and warranty administrators who sell their paper through your register.
Zeal is the operating system for taking it back. We are the third‑party administrator — but you are the obligor, the underwriter, and the residual owner of the reserve. We run the plan, the platform, the claims floor, the compliance back office. You keep the float and the underwriting profit.
— Zeal · Platform Prospectus v1.3
Your floor staff opens the POS portal on a tablet, scans the product, records the manufacturer warranty, and offers the customer the protection plan you configured. No payment is collected per sale — every sale is rolled into a daily ACH settlement at close.
The customer texts the claims number on their plan card. A Claude‑powered intake agent gathers the symptoms, takes a photo, verifies coverage against the plan, and triages — Approve, Review, or Deny — before any human picks it up. Most plan holders never log in.
Net premium sweeps each day from Stripe into a custodial bank account titled to your DOWC or PORC entity — never commingled with Zeal's operating funds. The platform is the authorized administrator; you are the owner. Earned premium distributes monthly.
Most SaaS that touches premium gets one thing dangerously wrong: it commingles the customer's money with the operating account. Zeal is engineered, end to end, around a single architectural principle.
¶ Customer premium is never held by Zeal. It moves through Stripe to a custodial bank account titled to your warranty entity, with Zeal as authorized administrator. Zeal's account receives only what Zeal has earned.
Each retailer's reserve is a separate, segregated custodial account. One retailer's claims cannot draw on another's premium. Zeal's creditors cannot reach it.
Withdrawals from reserves are gated by Zeal's internal ledger against actuarial minimums. The retailer cannot accidentally over‑distribute; an admin error cannot send funds to the wrong place.
Custodial bank balances reconcile against the platform's reserve ledger every night. Any discrepancy > $1.00 raises a finance alert by morning.
Investment yield on the reserve is calculated monthly and split per the TPA agreement — typically 70/30 to the retailer. Every basis point is visible in the dashboard.
Zeal is delivered as a multi‑tenant web application with a portal for every stakeholder in the warranty lifecycle. Each portal carries Zeal branding by default; a white‑label upgrade (Growth tier and above) replaces it with your own.
For the operator. Configure plans, watch financials, approve claims, run the program.
For the floor. A mobile‑first interface tuned for the sixty‑second sale.
For the end customer. Simple, trustworthy, almost no learning curve.
For the service network. Dispatch in, invoice out, paid on schedule.
For Zeal. Full oversight — retailer onboarding, AI claims agent supervision, dispatch, fraud, financial operations, compliance. The control plane we operate so you can run your storefront.
Most claims volume — a leaking dishwasher, a refrigerator that won't cool, an error code on the front of an oven — is structured enough that a language model can take the intake from start to triage. Zeal's claims agent answers within seconds, gathers the symptoms, requests a photo, checks the plan, and routes.
⌨ Powered by Claude, delivered over Twilio Programmable Messaging, supervised by Zeal's claims floor in real time.
Zeal earns through a tiered TPA fee on written premium plus a modest platform SaaS fee. There is no per‑transaction processing markup. Custodial banking is at cost.
For single‑location retailers establishing their first in‑house protection program.
For multi‑location retailers and groups running a meaningful protection book.
For chains, regional groups, and PORC‑structured retailers with captive reinsurance needs.
Warranty administration is a regulated activity in every U.S. state. Zeal is built so the regulator's questions are answerable in a single screen, and so the auditor's report writes itself.
Zeal is currently onboarding partners ahead of Series A. If you write $1M+ in eligible product volume annually and have considered the in‑house model, we'd like to talk.
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