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Send the application straight to the insured or retail broker
Insureds and brokers answer online with last year’s answers already filled in, so renewal data collection stops taking weeks.
For MGAs and Wholesalers
Serve more retail brokers than your headcount says you can
Launch a program or appoint a broker. The new business posts where all your other programs already do.
Make each new program cheaper to run than the last
An MGA can only carry as many programs as its administrators can run, since each program adds its own binding terms, submissions and commission rules. Policy issuance, the authority trail and month-end close all fall to the same small team, and questions from retail brokers fill whatever time is left. Applied Epic® sends applications to insureds and brokers with last year’s answers filled in. Each policy carries its binding terms, endorsements and correspondence, so the authority trail builds as the work is done. AI reads and reconciles direct bill and agency bill statements, so that work stays in-house. Retail brokers get documents and answers themselves, so your team isn’t fielding the same call twice. Each new program can run on the process your team already follows.
What running a program takes
MGA software has to hold submissions, policy issuance, the authority trail and commissions in one place, because a program touches every one of them.
Rate and route a risk to your markets
Retail brokers submit against the lines your programs cover, and the quotes come back on the same submission.
Prove what you bound, and under whose authority
Each policy carries its binding terms, endorsements and correspondence, so the authority trail assembles itself.
Reconcile insurer commissions and broker payables together
Insurer commissions and broker payables reconcile against your own transactions, so month-end is one pass, not two.
What customers are saying
Frequently asked by MGAs and wholesalers
Most run a platform that holds binding authority terms, appointed retail brokers, policy issuance and commissions together, because a program touches all four. Managing appointments in isolation tends to mean reconciling them against something else later.
The practical requirement is that a new program shouldn’t need a new system to administer it.
An MGA holds delegated authority from an insurer to bind and often to service business, and may or may not underwrite. An MGU underwrites on the insurer's behalf as its defining function, typically for a specialty class.
In both cases the operational burden is the same: prove what was bound, under whose authority, on what terms.
By holding the authority terms on the policy itself, so what was bound can be read against what was permitted. Each difference is there for someone to resolve rather than discovered later.
That record is also what an insurer partner or auditor asks for, so producing it should be a byproduct of the work.
It should. MGA software that covers submissions and issuance but stops short of retail broker payables leaves the hardest month-end work outside the system.
Insurer commissions and broker payables both need to reconcile against the transactions your own team recorded, ideally in the same pass rather than two.
Run the next program here
See what submissions, policy issuance, the authority trail and commissions look like when one place holds all of it.