At the foundation of PP Mobius is a structured client management and fact find system. Every client record is built around a comprehensive fact find that captures the full picture required for regulated protection advice: personal details, employment status, income, health information, dependents, expenditure, and existing cover. The fact find is not a static form - it drives the entire downstream workflow. Quote eligibility, compliance checks, AML verification, and recommendation generation all depend on what is captured here and when.

The system enforces completeness before key actions are permitted. An adviser cannot generate a quote without the relevant fact find sections being in place. When a client's circumstances change and a fact find is updated, the platform tracks exactly what changed, propagates those changes into the compliance workflow, and determines whether a fresh AML check is required. The fact find is both the evidentiary record that supports advice suitability and the operational trigger for everything that follows.

 

The core adviser workflow in PP Mobius takes a client from initial fact find through to a submitted protection policy without leaving the platform. The journey begins with an integrated connection to iPipeline SolutionBuilder - the UK protection insurance market's primary quoting platform. Fact find data is sent directly to iPipeline, eliminating manual re-entry, and the adviser creates and flags quotes there before returning to PP Mobius to retrieve them. Selected quotes are loaded into a structured slide-over where the adviser confirms the quote and generates a recommendation pre-populated with the relevant policy details: plan owner, cover type, policy type, sum assured, monthly premium, term, and product-specific fields.

Supporting documents are automatically saved into organised filesystem structures within the platform. The recommendation then moves into compliance submission, through compliance review and client signing, and finally to policy application: once compliance has approved and all client signatures are confirmed, the Apply button activates and redirects the adviser directly to the provider's portal. The entire journey - sourcing a quote, creating a recommendation, clearing compliance, and submitting the policy - is tracked, auditable, and contained within a single system.

 

PP Mobius treats compliance not as a final checkpoint but as a structured operational layer embedded throughout the sales process. Once an adviser submits a fact find, a compliance case is opened and moves through a defined status lifecycle. Status gating means advisers cannot advance the case - generating quotes, creating recommendations, obtaining client signatures, or applying for policies - until compliance milestones are met.

Compliance reviewers work from a dedicated view of each case that gives them full visibility into the fact find data, the recommendation, supporting documents, and the AML check outcome. They can record structured notes, request rework from the adviser, and track what changed between submissions.

AML verification is embedded directly into the submission workflow through an integration with SmartSearch. The result appears immediately in the compliance view alongside a full AML history tab that retains every check performed across the life of the case, timestamped and permanently retained. Change-detection logic on resubmission means a new SmartSearch call only fires if identity fields have actually changed - preventing unnecessary external checks while keeping the compliance record accurate.

 

Beyond the human compliance review workflow, PP Mobius includes an automated compliance check engine built on Laravel AI SDK. When a fact find is submitted, the system automatically initialises a structured compliance checklist containing three types of assessment: system checks driven by deterministic business rules, AI checks where individual micro-agents analyse the fact find independently and return results with confidence scoring and trace outputs, and manual checks that require a compliance reviewer to assess and record a decision.

The system supports full versioning of compliance reviews. Compliance can create a new version, selectively re-running automated checks and resetting manual ones, without losing the historical record of prior versions. Every version is a read-only, immutable snapshot with its own isolated activity log. The entire review - any version - exports as a structured PDF designed for FCA audit defensibility, with version number, check statuses, notes, and confidence levels included.

 

Commission calculation is one of the most complex and audit-sensitive parts of PP Mobius. The platform calculates adviser payouts across a multi-tier structure, resolving product type, sale classification, exception conditions, and each adviser's monthly production position into a single auditable output - consistently, without manual intervention.

The commission calculation engine works simultaneously across multiple layers of Tavistock Protect’s organizational hierarchy - advisers, team leaders, area managers, senior managers, regional managers, etc. - each carrying their own rate structures, override entitlements, and access-level-dependent rules. A sale classified one way generates a different financial outcome depending on who made it, under which product access level, and where it sits within the exception hierarchy. Tier thresholds, production ranges, per-product rates, in-house sale rates, and override structures by management level are all configurable by administrators through the platform, so the engine reflects the current business rules without requiring a development change.

The engine is designed to be correct first, auditable second, and changeable without risk.

 

With commissions calculated, PP Mobius handles the full downstream financial operation. Payslips are generated in bulk across the entire adviser base. The system lets finance team select a pay period, preview all sales and their formatted commission outputs across the full adviser population, and trigger background generation for every participating employee simultaneously.

Beyond regular commissions, the platform calculates multiple categories of bonuses for management-tier employees: recruitment bonuses based on new advisers reaching defined production tiers, live business bonuses based on team output with cancellation-rate adjustments, persistency rate bonuses tied to team-level policy retention, traffic light status bonuses rewarding consistent adviser performance, promotion bonuses for advisers elevated into management, and introducer arrangement bonuses for advisers who refer recruits that meet qualification criteria. Each bonus type has its own eligibility rules, penalty thresholds, and automated calculation service.