Launching an MGA or New Program? The Only Operating Stack You Need: RQB + Expert Insured + AI + BPO

Launching an MGA or new insurance program has always been difficult. You need a quoting engine, a policy administration system, underwriting workflows, document handling, operational capacity, servicing coverage, claims support, and enough structure to scale without breaking. The traditional approach is to assemble all of this one piece at a time—find a rating system, choose a PAS, hire underwriters, engage a BPO vendor, build intake rules, connect your producers, and try to maintain some form of workflow discipline.

Most MGAs never get past this stage. They spend six months choosing systems, twelve months integrating them, and the rest of the year trying to keep the operation from collapsing under its own weight.

The Selectsys Starter Package solves that problem.

It gives you a launch-ready operating model:

• RQB for rate, quote, and bind
• Expert Insured for policy issuance and servicing
• AI OCR for submission automation
• AI Assist for underwriting and servicing guidance
• Insurance BPO for operational execution
• A unified workflow that never breaks

Instead of building your stack, you start with a complete one.

This is how modern MGAs, program administrators, insurtechs, wholesalers, and carrier divisions launch and scale with speed.

1. Why Most MGA Launches Fail Before They Even Begin

Every MGA or program launch runs into the same three barriers:

1. No unified system to run quoting → issuance → servicing
2. No operational capacity to keep up with submissions
3. No consistent workflow to keep underwriting and servicing aligned

The result is a predictable cycle:

• Submissions pile up
• Underwriters are overwhelmed
• Policies get issued manually
• Servicing becomes reactive
• Renewals fall behind
• Claims start without complete policy files
• Back-office work grows without structure

This is not a technology problem alone. It is an operating model problem.

Launching with separate tools and vendors guarantees inconsistency. Launching with a unified operating stack guarantees momentum.

The Starter Package provides that stack.

2. What the Starter Package Actually Includes

The Starter Package is not a single system. It is a complete operating environment made of:

• A quoting engine
• A policy admin system
• AI-driven submission automation
• AI-driven underwriting support
• Operational teams for intake, underwriting assistance, servicing, renewals, and back-office
• A unified workflow that ties everything together

Each piece is independently valuable. Together, they form the only launch-ready operating model in the market.

Let’s go through each component.

3. RQB: A Quoting Engine Built for MGAs and Programs

Every MGA launch depends on quoting speed and accuracy. RQB gives you:

• Multi-carrier rating
• Multi-LOB quoting
• Structured pre-bind validations
• Automated referral routing
• API-driven ingestion
• Carrier-specific rule sets
• Straight-through logic where possible
• Complete underwriting traceability

Bound quotes do not leave the system. They become policy setup tasks in Expert Insured. That connection is what prevents rework.

If you want to understand how this quoting workflow fits into the rest of your operation, the RQB page explains it in detail.

4. Expert Insured: Immediate Policy Administration

Most MGA launches fail because servicing becomes chaotic. Expert Insured solves that from day one:

• Policy issuance
• Endorsements
• Renewals
• Cancellations
• Reinstatements
• Mid-term adjustments
• Document rules
• Compliance checks

You do not wait for a PAS to be configured. It is already ready. You do not connect quoting to policy admin manually. It is already connected.

To see exactly how lifecycle servicing works in Expert Insured, refer to the Expert Insured page.

5. AI OCR: Intake Without Manual Sorting

In a typical MGA launch, email inboxes fill quickly. Submissions arrive with multiple attachments, inconsistent names, missing information, and variable formats.

AI OCR solves this:

• Emails and documents are classified automatically
• Data is extracted and normalized
• Applications are split into usable components
• Attachments are recognized and labeled
• Submission packets become structured files instead of inbox clutter

This is not optional. Without structured intake, underwriting slows immediately.

The page on AI OCR and submission automation walks through this process.

6. AI Assist: Guidance at Every Stage

New MGAs often struggle with:

• Underwriters doing administrative work
• Analysts missing checks
• Inconsistent task ordering
• Different people working differently

AI Assist fixes this by providing:

• Task suggestions
• Workflow routing
• Underwriting cues
• Servicing reminders
• Decision notes
• Document tags
• Contextual prompts

This ensures that no matter who handles the file, the process remains consistent.

The AI Assist page describes that workflow in full.

7. Insurance BPO: Your Team from Day One

Launching an MGA is impossible without operational support. The Starter Package includes full Insurance BPO coverage:

• Submission preparation
• Document follow-ups
• Underwriting assistance
• Rating support
• Policy setup
• Endorsements
• Renewals
• COI issuance
• Back-office work
• Carrier and producer communication

You are not asked to assemble tasks, build processes, or define workflows. They are already part of the operating model.

To understand how these operational teams fit into the larger cycle, the Insurance BPO page describes their full role.

8. Submission Intake and Underwriting Support: Structure Before Decisioning

Underwriters are meant to evaluate risk, not chase documents.

The Starter Package includes:

• A submission intake team that prepares every file
• Analysts who run initial checks
• Support staff who complete documentation requirements
• Task structures that define what needs to be done before the underwriter reviews the file

This ensures underwriters only see complete, ready files.

The submission intake and triage page and the underwriting support outsourcing page explain how this works day-to-day.

9. Policy Administration BPO: Servicing That Scales

Policy admin is where 80 percent of your effort goes after a launch.

The Starter Package includes specialists who handle:

• Endorsements
• Mid-term changes
• Producer updates
• COIs
• Renewal preparation
• Billing inquiries
• Data corrections
• Carrier-specific requirements

These teams follow the same structured workflow every time.

To see that workflow in detail, refer to the policy administration BPO page.

10. Claims FNOL and Back Office Support: Completing the Stack

Most MGA launches forget claims.

Most fail because of it.

The Starter Package includes:

• FNOL assistance
• Claims intake
• Documentation handling
• Early-stage triage
• Back-office support for indexing, labeling, and updates

These functions ensure the claims process starts cleanly and does not disrupt underwriting or servicing.

The claims FNOL support page and back office support page cover these steps.

11. Integrating with Existing Agency Systems

If you are running your MGA or program inside a larger agency using Epic or AMS360, the Starter Package offers a hybrid mode:

• Workflows run inside Epic
• Workflows run inside AMS360
• Operational teams follow the same structure
• Data integrity stays consistent
• Quoting and servicing remain connected
• You can migrate later if you choose

The Applied Epic outsourcing page and the AMS360 outsourcing page outline how hybrid operations work.

12. Compare What You Get to the Alternatives

Most teams evaluate:

• Vertafore vs Expert Insured
• AMS360 vs Expert Insured
• Sagitta vs Expert Insured
• Federato vs AI Assist
• PL Rating vs RQB
• ResourcePro vs Insurance BPO
• Patra vs Insurance BPO
• StaffBoom vs Insurance BPO
• OIP vs Insurance BPO

All of those comparisons share a common flaw: they compare one component, not the entire operating model.

The Starter Package provides the whole operating model on day one.

The compare pages explain this in detail.

13. What Changes When You Launch With a Complete Stack

Launching with the Starter Package changes the trajectory of your MGA or program:

• Underwriters only see complete files
• Backlog disappears
• Policies are issued correctly the first time
• Endorsements follow a defined process
• Renewals become proactive, not reactive
• Claims begin with complete information
• Data stays clean
• Teams follow one workflow
• No time is lost connecting systems or vendors
• You scale from the first month instead of the fifteenth

It is the difference between launching a program and launching a business that can actually grow.

14. Why This Matters for Carriers and Program Administrators

Carriers and program administrators often hesitate to launch new programs because operational readiness is uncertain.

With the Starter Package:

• The workflow is consistent
• The servicing structure is predictable
• The underwriting process is defined
• The quoting engine is ready
• The policy system is already configured
• Operational teams are already trained
• AI maintains accuracy and consistency

This removes the risk of program launch failure.

15. The Value Flywheel Behind the Starter Package

The Starter Package is powered by the Value Flywheel:

• Intake becomes structured
• Underwriting becomes efficient
• Quoting becomes connected
• Policy admin becomes predictable
• Servicing becomes consistent
• Claims begin clean
• Data strengthens the cycle

Each step reinforces the next.

The operating model page describes this full cycle.

16. Final Thoughts

Launching an MGA or new insurance program does not need to be slow or complicated. With RQB, Expert Insured, AI automation, and fully trained operational teams working in the same workflow, the entire process becomes straightforward.

The Starter Package gives you the operating model that others spend years trying to assemble.

If you want a launch-ready stack—quoting, underwriting, policy administration, servicing, automation, and operations—you start here.

If you want a quick reference for any of the terminology mentioned on this page, you can review the Glossary for clear definitions and context.

Everything else is optional.