How this works.

For policy-specific questions, start an Investigation.

What does Re_Tera actually do?

We read your insurance policy against your state’s insurance code and the carrier tactics in our case library, then flag the gaps and sublimit traps before a loss happens. We are not your broker, not your agent, and not your adjuster.

Why aren’t you a broker?

Brokers earn commission from carriers. That sets up a structural conflict the moment a claim gets contested. Re_Tera is paid by you, never by a carrier. We have no commission to protect when we tell you a coverage looks thin or a denial looks like bad faith.

Will you talk to my carrier?

No. We help you understand your policy, draft your own correspondence, and track the regulatory deadlines your carrier owes you. The carrier conversation is yours.

What happens to my policy data?

Your data is encrypted at rest and in transit and is never shared with carriers, brokers, or adjusters. Your policy is processed by OpenAI under our standard commercial agreement (not used to train models) and the extracted text is kept in a per-user vector store so the AI can answer questions about your specific policy. Export or delete it from Account anytime. Full detail is in our Privacy Policy.

How do I cancel?

Open Account and stop the Tera_Plus subscription. It runs until the end of the current billing month. Full refund within 30 days of your first paid charge. Your free month does not count against this window. Your data stays put unless you also delete your account.