Key Takeaways
- • InFactIQ, a Guidewire Insurtech Vanguard, released Demand IQ, an AI-powered demand package review product, announced November 2, 2026 after its unveiling at Guidewire Connections 2026 in Las Vegas (October 26-29).
- • Demand IQ ingests a demand letter and its enclosures, checks each claim against the case file, flags inconsistencies and missing evidence, and drafts a point-by-point response for adjusters.
- • Each finding is linked to the page and line of its source record, allowing claims teams to verify flags directly rather than relying on the output.
- • The product is available now at a flat fee per demand package, with no seats, no contracts, and unlimited users on every review.
- • The company positions the tool as a way to reduce payment leakage on time-limited demands, which InFactIQ says arrive with thousands of pages and short response windows.
Summary
InFactIQ announced the release of Demand IQ, an AI-powered demand package review product unveiled at Guidewire Connections 2026, according to a PRNewswire-PRWeb release dated November 2, 2026. The company, a member of the Guidewire Insurtech Vanguards program, describes the product as a tool that compares what a demand letter asserts with what the underlying records show, flags gaps and inconsistencies, and returns a draft response that a claims team can defend.
The company argues that plaintiff firms have raised more than $600 million to generate demands and medical chronologies at machine speed, while carriers still check each assertion manually. Time-limited demands can arrive with thousands of pages and a short response window, and InFactIQ contends that missed details often result in payment for services the evidence does not support. Demand IQ is designed to let adjusters negotiate from the documented file rather than from the letter's characterization.
According to the release, the workflow has three stages. Users upload the demand letter, medical records, billing summary, and exhibits, with any response deadline captured from the outset. The system then checks every claim against every record, flagging discrepancies such as physical therapy sessions claimed versus sessions attended, or a "no prior history" statement contradicted by records, as well as missing items such as treatment gaps and bills without supporting documentation. Each flag links to its source line. In the response stage, the adjuster selects a playbook and Demand IQ drafts a point-by-point reply, with a reasoning view setting out each assertion, the carrier's position, supporting evidence, and points that could not be established. Unreviewed flags remain as open questions. The same file can also be used to build an independent medical examination referral packet, and responses export to Word or PDF.
CEO John Sanchez said, "The demand letter tells one story and the file may tell another." Demand IQ is available now at a flat fee per demand package. InFactIQ serves insurance carriers, third-party administrators, insurance defense teams, and litigation firms nationwide.
The company argues that plaintiff firms have raised more than $600 million to generate demands and medical chronologies at machine speed, while carriers still check each assertion manually. Time-limited demands can arrive with thousands of pages and a short response window, and InFactIQ contends that missed details often result in payment for services the evidence does not support. Demand IQ is designed to let adjusters negotiate from the documented file rather than from the letter's characterization.
According to the release, the workflow has three stages. Users upload the demand letter, medical records, billing summary, and exhibits, with any response deadline captured from the outset. The system then checks every claim against every record, flagging discrepancies such as physical therapy sessions claimed versus sessions attended, or a "no prior history" statement contradicted by records, as well as missing items such as treatment gaps and bills without supporting documentation. Each flag links to its source line. In the response stage, the adjuster selects a playbook and Demand IQ drafts a point-by-point reply, with a reasoning view setting out each assertion, the carrier's position, supporting evidence, and points that could not be established. Unreviewed flags remain as open questions. The same file can also be used to build an independent medical examination referral packet, and responses export to Word or PDF.
CEO John Sanchez said, "The demand letter tells one story and the file may tell another." Demand IQ is available now at a flat fee per demand package. InFactIQ serves insurance carriers, third-party administrators, insurance defense teams, and litigation firms nationwide.
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