AI underwriting software for MGAs

Move submission emails and documents from inbox to structured, enriched, ready-to-review work with human oversight.

Reduce the preparation work that slows submission review

• Submission intake Capture incoming submission emails and documents, then organize the work for processing instead of relying on manual inbox handoffs.
• Document extraction Turn configured fields from ACORD forms, loss runs, and supporting documents into structured, reviewable submission data.
• Appetite checks Apply defined appetite criteria to support triage and referral. Out-of-appetite and ambiguous cases remain visible to underwriters.
• Risk enrichment Add configured research or connected data to the submission record so relevant context is available during review.
• Underwriting memos Organize structured and enriched information into a consistent memo that supports, but does not replace, underwriter judgment.
• AMS-native workflows Map permissions, handoffs, and write-back requirements so automation can work with the existing agency management system.

What is AI underwriting software for MGAs?

AI underwriting software for managing general agents, or MGAs, converts submission emails and documents into structured data, supports appetite checks and risk enrichment, prepares underwriting memos...

• Receive the submission Bring submission emails, ACORD forms, loss runs, and supporting documents into a defined intake workflow.
  • Email and documents
  • Defined intake queue
• Extract and validate data Extract, normalize, and validate configured submission fields. Missing, conflicting, or uncertain information stays visible for review.
  • Configured fields
  • Visible uncertainty
• Check appetite Compare structured submission details with defined appetite criteria to support triage, referral, and the next review step.
  • Appetite criteria
  • Referral rules
• Enrich the risk Add configured research or connected information to provide relevant risk context without hiding the source workflow or exceptions.
  • Risk context
  • Configured research
• Prepare the underwriting memo Organize submission data, enrichment, appetite results, and exceptions into a consistent memo for underwriter review.
  • Consistent format
  • Review-ready context
• Route controlled next steps Route tasks, referrals, and approvals through a controlled workflow. Authorized people review exceptions and own underwriting decisions.
  • Human approval
  • Visible exceptions

Fit the MGA workflow before expanding automation

InsuranceFlow is an insurance-native automation layer, not a replacement for the agency management system or underwriting team. Workflow discovery defines required data, appetite criteria, exceptions, permissions, handoffs, and write-back …

Start with one document-heavy workflow

Define the required fields, appetite rules, exceptions, and AMS handoffs. Compare measured results with the baseline, account for workflow scope and document quality, then expand deliberately.

• Work with the existing AMS An agency management system, or AMS, remains in place. Integration scope depends on data mapping, permissions, handoffs, write-back requirements, and verified support for the selected platform.
• Keep exceptions visible Missing, conflicting, uncertain, ambiguous, and out-of-appetite information remains available for authorized review rather than being treated as a completed decision.
• Define security boundaries Confirm architecture, data handling, retention, permissions, and deployment boundaries during discovery. Private AI deployment options can be evaluated against the MGA's requirements.
• Measure workflow outcomes Establish a baseline for inbox-to-review time, rekeying effort, data completeness, exception volume, referral turnaround, and underwriter touch time before measuring results.

Explore Integrations

Explore Proof of Value

Questions about AI underwriting software for MGAs

Clear answers about submission intake, extraction, appetite checks, AMS integration, security, measurement, and human decision authority.

What is AI underwriting software for MGAs?

How does InsuranceFlow move a submission from intake to review?

Can InsuranceFlow extract data from ACORD forms and loss runs?

How do automated appetite checks work?

Can AI prepare an underwriting memo?

Does InsuranceFlow replace an MGA's AMS or underwriting team?

Can InsuranceFlow connect with an existing AMS?

How does InsuranceFlow keep people in control?

What outcomes should an MGA measure?

How should an MGA start with underwriting automation?

See your submission workflow in InsuranceFlow

Review how your MGA's documents, appetite rules, exceptions, underwriting memos, and AMS handoffs could fit a controlled workflow.