Case Study

Full-Lifecycle Agency + MGA Management Platform

A business running both agency and MGA distribution models had onboarding, submissions, underwriting, rating, policy administration, and commissions operating as disconnected processes, with teams rekeying data between the digital platform and the AMS. We built a connected operating model across the full lifecycle, cutting submission-to-quote time by 40% and manual processing by half.

40%

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Client

A business operating across both agency and MGA distribution models

What We Solved

Agent onboarding, submission and underwriting workflow, rating, policy administration, and commissions

ENGAGEMENT

Custom build

The Challenge

The client connects independent agents, insureds, and a broad panel of carriers through a single technology ecosystem, spanning high-touch MGA underwriting alongside high-volume, self-service agency production. Two quite different businesses, running on one platform.

Agent onboarding, submissions, underwriting, rating, policy administration, and commissions all ran as disconnected processes, which forced teams to rekey information between the digital platform and the Agency Management System. The right workflow varied by carrier, product, risk, and distribution channel, yet every submission followed the same operational path regardless.

That left no way to separate the risks that genuinely required an underwriter from the business eligible for straight-through processing, and no consistent view of a submission from agent to bound policy.

The Solution

Paktolus designed and implemented a connected operating model spanning the full lifecycle: agent onboarding, submission, eligibility and appetite, underwriting routing, multi-carrier rating, quote, bind, AMS policy creation, and commissions, all built on a common workflow and data layer.

Intelligent Workflow and Assignment Design

Digital Agent Onboarding

Appointments, access, and approvals produce a persistent agent record carried through into bound policies.

Operational Efficiency Through Task Segmentation

Skill-Based Underwriting Routing

Submissions routed by product, carrier, risk, authority, and underwriter specialization.

Data Visibility and Reporting Standardization

Agent and Insured Portals

Submission entry, outstanding requirements, status, and quote selection in one place.

Scalable Operating Model

Multi-Carrier Orchestration

Rater results and direct carrier integrations normalized into one quote experience.

Front End Intake Optimization

Straight-Through Processing

Eligible risks move from submission to bind without manual intervention.

Governance and SOP Enablement

AMS and Commission Integration

Bind data creates the policy shell and links commissions to agency, producer, carrier, and policy.

Technologies

Python OpenAI Llama Ollama LangChain SentenceTransformers Hugging Face TGI NVIDIA NeMo Guardrails pgvector PostgreSQL FastAPI PyMuPDF Redis Celery Docker Kubernetes Prometheus Grafana AWS

Results

40%

reduction in submission-to-quote processing time

50%

reduction in manual processing and duplicate data entry

30%

increase in straight-through, self-service processing

Beyond the numbers, the change was structural. Agents now have one digital path to onboard, submit, and track business. Multiple carriers and access methods sit behind a single quote experience. And agent, policy, premium, carrier, and commission data stays linked rather than being reassembled at each step.

Where This Applies

Running an agency book and an MGA book on one platform means two operating models sharing one set of systems. The failure mode is treating every submission the same way, which slows the business that should have been automatic and gives the complex risks no more attention than the simple ones.

Explore: Distribution + Producer Experience → Underwriting + Policy Operations →

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