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Send the application straight to the insured or 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 agents than your headcount says you can
Launch a program or appoint an agent. 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, authority checks and month-end close all fall to the same small team, and questions from retail agents fill whatever time is left. Applied Epic® sends applications to insureds and agents with last year’s answers filled in and uses AI to check each issued policy against its binding terms. Carrier commissions and agent payables reconcile against your own transactions in one pass, so that work stays in-house. Policies download straight to your retail agents, and connected agents write more of your premium. Each new program can run on the process your team already follows.
What running a program takes
MGA insurance software has to hold appetite, submissions, policy issuance, and commissions in one place, because a program touches every one of them.
See which markets have appetite for the risk
Current appetite shows across the lines your programs cover, so submissions go where they count.
Check every bound policy against your authority
Each issued policy is read against its binding terms, so differences surface before the carrier finds them.
Reconcile carrier commissions and agent payables together
Carrier commissions and agent 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 agents, 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 a carrier to bind and often to service business, and may or may not underwrite. An MGU underwrites on the carrier'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 checking issued business against the authority it was bound under, rather than trusting that it matched. Every policy gets read against its program terms and each difference is flagged for someone to resolve.
That record is also what a carrier partner or auditor asks for, so producing it should be a byproduct of the work.
It should. MGA insurance software that covers submissions and issuance but stops short of retail agent payables leaves the hardest month-end work outside the system.
Carrier commissions and agent payables both need to reconcile against the transactions your own team recorded, ideally in the same pass rather than two.