How a mid-market MGA triaged submissions 3x faster while enforcing appetite rules on every deal
3x
Faster submission triage speed
70%
Reduction in time searching guidelines
100%
Audit trail coverage
2+ hrs
Senior UW time reclaimed daily
Industry
Insurance / MGA & Program Administration
Organization
Regional MGA, 12 underwriters across 3 offices, $85M premium volume
Challenge
Scattered underwriting knowledge, inconsistent appetite enforcement, submission backlogs
Solution
AI-Powered Underwriting Knowledge Agent with Decision Intelligence
Timeline
6 weeks to full deployment
The Challenge
A growing MGA specializing in commercial property and specialty lines was struggling with a familiar problem: underwriting knowledge was everywhere — except where underwriters needed it. With 12 underwriters spread across three offices, an expanding book of programs, and carrier relationships with different appetite rules, the submission triage process had become a daily scramble.
Appetite rules scattered across documents, emails, and people's heads
Junior underwriters constantly pinging seniors with "Do we write this?" questions
Inconsistent decisions on similar risks
Same submission, different answers depending on who reviewed it and when
Submission backlogs during peak periods
Monday mornings meant 40+ submissions waiting for triage before any real underwriting happened
Time wasted searching, not underwriting
Senior underwriters spending 30%+ of their day answering internal questions instead of writing business
E&O exposure from undocumented decisions
No clear audit trail of why a risk was quoted, declined, or referred
The Solution
The MGA partnered with Attri to deploy an AI-powered Underwriting Knowledge Agent — a secure system that turns scattered guidelines, appetite rules, and underwriting policies into instant, citable answers for every underwriter.
Instant Appetite Answers
The Underwriting Knowledge Agent responds to natural language questions: "Do we write coastal property in TX?" — get clear answers with source citations in seconds
Centralized Knowledge Base
All appetite guidelines, class codes, territory rules, and carrier requirements in one secure, searchable source of truth
Citable, Explainable Decisions
Every answer includes citations to actual guidelines — decisions can be verified and trusted instantly
Submission Triage Acceleration
The Triage Agent pre-screens every incoming submission against appetite rules before they hit underwriter desks
Role-Based Access Control
Junior underwriters, senior UWs, and leadership get appropriate access levels
Additional Features
Mandatory Dissent
AI flags when a submission is borderline — forces documentation of why it was approved despite concerns
Confidence Ranges
Every recommendation includes confidence level (high/medium/low) so underwriters know when to dig deeper
Immutable Decision Ledger
Complete audit trail of every triage decision — who, when, why, with source documents
Policy Gate Enforcement
Hard stops on submissions that violate carrier guidelines (e.g., minimum premium, excluded classes)
Decision Intelligence Layer
Mandatory Dissent
AI flags borderline submissions — forces documentation of override decisions
Confidence Ranges
Every recommendation shows confidence level so UWs know when to dig deeper
Immutable Ledger
Complete audit trail of every decision — who, when, why, with sources
Policy Gates
Hard stops on submissions violating carrier guidelines
Underwriting Knowledge Agent
You
Do we write coastal property in Texas under the ABC Carrier program?
Underwriting Knowledge Agent
Yes, with restrictions. ABC Carrier writes coastal TX property with maximum TIV $1.5M, minimum 25 miles from coast, and wind/hail deductible 5% minimum. This submission ($2M TIV, coastal zone) exceeds TIV limits. Recommendation: Decline or refer to excess markets.
Confidence: High
Ask a follow-up question...
The Results
| Metric | Before | Now |
|---|---|---|
| Time to triage submission | 25-30 minutes | 8-10 minutes |
| Questions to senior UWs per day | 15-20 | 3-5 |
| Time searching for guidelines | 2+ hours/day | 15 minutes/day |
| Inconsistent decisions caught | Unknown | 100% flagged |
| Audit trail coverage | Partial | 100% |
Consistent decisions across all underwriters — Same question, same answer, regardless of who asks or when
Junior underwriters ramped faster — New hires productive in weeks instead of months
Senior underwriters back to production — Freed from internal Q&A duty, back to writing business
E&O exposure reduced — Every decision documented with source citations
Broker relationships improved — Faster turnaround times, clearer declination reasons
Why It Worked
Built for insurance, not generic AI
The system understands underwriting terminology, appetite structures, and regulatory requirements — not just keyword matching.
Answers cite sources, not guesses
Every response includes the specific guideline, page, and section. Underwriters can verify instantly, building trust in the system.
Enhances underwriters, doesn't replace them
The AI handles the searching and citing — humans make the judgment calls. Senior UW expertise is amplified, not automated away.
Fits existing workflows
Deployed via Microsoft Teams and email integration — no new systems to learn, no workflow disruption.
Security and compliance from day one
SOC 2 Type II architecture, private cloud isolation, role-based access, and no model training on client data.
Security & Compliance
Ready to See It in Action?
We help MGAs, wholesalers, and carrier underwriting teams turn scattered knowledge into instant, trusted decisions.
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