What Is Underwriting Automation?

If you’re still manually reviewing broker emails, keying in submission data, or toggling between systems just to quote a policy – you’re not alone. But you’re also behind.

Underwriting automation is no longer optional. It’s the new standard for MGAs and carriers who want to grow without adding headcount.

Underwriting automation refers to the use of AI, rules engines, and integrated workflows to streamline the underwriting process – from intake to quote to policy issuance.

This includes:

AI-powered submission intake (email parsing, attachment extraction)
Automated triage based on line of business, carrier appetite, or geography
Auto-quoting via rating engines or carrier APIs
Binding and issuance without rekeying or legacy delays

Why It Matters in 2025

Submission volumes are exploding. Brokers expect fast turnaround.
Manual work is unscalable. Underwriters shouldn’t be data entry clerks.
System sprawl kills speed. You can’t win quoting wars across 5+ platforms.
Carriers demand visibility. Quote conversion, loss ratios, and turnaround times must be tracked in real time.

Automation vs. Orchestration: The Critical Difference

Some platforms – like Federato – market “orchestration layers” that route work. But they don’t actually do the work.

Selectsys automates execution.

Reads the email.
Extracts the data.
Generates the quote.
Issues the policy.

You don’t need an overlay. You need an engine.

How Selectsys Delivers Underwriting Automation

Selectsys combines:

AI Submission Automation – NLP + OCR extract key data from broker emails and attachments
RQB (Rating, Quoting, Binding) – Smart logic engine + API quoting + rules-based triage
EI (Expert Insured) – Single system for issuing, servicing, endorsing, and reconciling policies

All in one platform. Built for MGAs. Zero duct tape.

Real Results From the Field

Customers using Selectsys have reported:

60% faster quote turnaround
3× higher submission capacity per underwriter
Policy issuance from a single screen
Clean data capture for every submission

FAQs

What’s the difference between automation and orchestration?

Orchestration routes tasks. Automation executes them. Federato routes. Selectsys delivers.

Can I use Selectsys without changing my carrier setup?

Yes. RQB integrates with most carrier APIs or existing rates.

How long does Selectsys take to implement?

Most MGAs are up and running with live data in less than 4 weeks.

Is it built for MGAs or insurers?

Selectsys is purpose-built for MGAs, wholesalers, and niche carriers.

Underwriting automation is more than a buzzword. It’s how modern MGAs win the speed, accuracy, and service war.

Stop routing tasks. Start executing.

Ready to see underwriting automation in action? Start a pilot with Selectsys

Learn more about our real-time quoting platform RQB

What Is Underwriting Automation? A 2025 Guide for MGAs and Carriers