Speed to Launch: How MGAs Go Live in 30–60 Days with Real-Time Rating
Speed Is the New Competitive Edge for MGAs
Every MGA and wholesaler is under the same pressure: launch faster, quote faster, bind faster.
In delegated authority, the first to quote often wins the business. The ability to take a new program from idea to live quoting in under 60 days used to sound impossible, but RQB makes it normal.
Speed to market is no longer about headcount or vendor coordination. It’s about how efficiently you orchestrate rating, underwriting rules, and carrier connectivity. With RQB, MGAs can go from “approved program” to “first live quote” in weeks, not quarters.
What Slows Down Traditional Program Launches
Program launches fail to move quickly for three reasons:
- Data chaos: rating spreadsheets scattered across teams.
- Carrier friction: inconsistent API documentation and onboarding.
- System fragmentation: one platform for intake, another for rating, another for document return.
These delays don’t come from underwriting; they come from disconnected technology.
RQB eliminates those walls with a single rate–quote–bind framework designed for speed.
A 30–60 Day Launch Framework That Actually Works
RQB’s launch framework is built around configuration, not development. That’s why it scales quickly across programs and carriers.
Phase 1: Define and Connect
- Select target lines (WC, GL, Auto, Property, Cyber, BOP).
- Map carrier integration (API or manual rating).
- Load appetite rules, rating tables, and bind triggers.
- Create submission intake templates and carrier routing rules.
Within 10 days, your program structure is mirrored inside RQB and ready for testing.
Phase 2: Configure and Test
- Enable rating rules for each line and coverage type.
- Validate rating outputs across carriers.
- Test submission-to-bind loops and document generation.
- Create dashboards for quote time, SLA, and carrier response.
Testing doesn’t require code changes, RQB’s rules engine handles it through configuration screens and carrier connectors.
Phase 3: Launch and Iterate
- Deploy a controlled pilot to producers or underwriters.
- Track quote-to-bind ratios and approval speed.
- Add carriers or states dynamically as performance stabilizes.
By day 45–60, the program is live, auditable, and measurable.
Multi-Line Capability from Day One
Most MGAs don’t start with one line. RQB handles Workers’ Compensation, General Liability, Commercial Auto, Property, Cyber, and BOP from day one.
You can chain quotes, bundle them, or run them independently, all with shared rating logic and unified carrier visibility.
This is where RQB’s speed advantage compounds. A multi-line quoting setup that once took months of mapping now takes a few days of configuration.
For deeper coverage on this, read Multi-Line Quoting: Bundling WC, GL, Auto, and Property in One Pass.
Real-Time Rating: The Engine Behind Speed
Instant rating is the heartbeat of RQB.
Instead of waiting for manual rating files or delayed APIs, the system performs real-time calls to carrier endpoints and returns rates immediately.
Underwriters can compare multiple carriers side by side, adjust limits, and re-rate within seconds.
Real-time quoting also eliminates bottlenecks in the submission queue. Producers and underwriters get live feedback, which increases engagement and reduces abandoned submissions.
Learn more in Real-Time Rating: How Speed Impacts Bind Ratios.
AI-Powered Intake That Saves Days Before the Quote
Speed doesn’t start at rating, it starts at intake.
RQB uses AI to process submission documents, extract key details, and standardize data before it reaches the rating engine. That means less re-keying, fewer missing fields, and faster quote readiness.
What used to take 2–3 days of manual cleanup now happens automatically within minutes.
Explore how intake automation connects to RQB in Submission Intake Automation: From Inbox to Quote in Minutes.
API Connectivity That Scales With You
Each carrier connection you add extends your quoting universe, but legacy systems make adding APIs slow and expensive.
RQB’s modular API architecture allows you to connect, test, and launch new carriers without changing your core workflow.
You can:
- Connect to REST or XML endpoints directly.
- Use “quote-and-send” fallback for carriers without APIs.
- Combine API and manual rating within one program.
- Add validation rules and error handling instantly.
That’s why RQB remains fast even as your carrier network grows.
See API Connectivity: Adding Carriers and Rules Without Rebuilds for deeper insight.
From Quote to Bind to Document Return
Speed to launch is useless if the bind process lags.
RQB automates the final step, generating bind requests, issuing confirmation documents, and returning files to your AMS or PAS automatically.
No separate document management step, no re-uploading.
With integrated approval routing and digital evidence, the bind process is both faster and audit-safe.
You can explore this in Bind Automation: From Quote to Policy Packet Instantly.
Governance and Visibility Built In
Fast doesn’t mean reckless.
RQB includes underwriter and producer modes that define permissions, restrict carrier access, and create approval checkpoints.
You maintain speed with structure, every quote, rating call, and document is logged.
Dashboards track SLA compliance, quote velocity, and cycle time for every program, giving executives real metrics on operational performance.
Read more in Underwriter & Producer Modes: Governance Meets Velocity.
Analytics That Prove ROI
Every fast program needs proof of performance.
RQB analytics show:
- Average quote-to-bind time per carrier
- Conversion ratio by line of business
- Referral and exception volume
- Producer adoption rate
These metrics help MGAs refine programs, adjust appetite, and prove success to carrier partners.
Explore further in Program Analytics: Measuring What Matters.
The Business Impact of Speed
When MGAs launch programs faster:
- They capture new premium before competitors respond.
- Producers stay loyal because quoting is painless.
- Carriers commit more capacity because the MGA executes reliably.
- Operational cost per submission drops sharply.
Speed isn’t a feature, it’s a business model.
RQB makes it achievable without custom development or long IT timelines.
Implementation: 2 Weeks to Pilot
Week 1: Program definition, carrier mapping, and rule setup.
Week 2: Intake configuration, testing, and controlled go-live.
Once you hit your first quote in RQB, the rest of your programs follow the same blueprint.
Request a Demo or Start a Pilot to see how RQB can take your next MGA program live in weeks, not months.
Frequently Asked Questions
How long does it take to connect a new carrier?
Usually under a week once credentials and rating rules are provided.
Can I launch without APIs?
Yes. You can start with manual or “quote-and-send” carriers and migrate to APIs later.
Does RQB handle multiple lines in one submission?
Yes. You can quote WC, GL, Auto, Property, and BOP in one sequence.
Can producers use RQB directly?
Yes. Producer mode allows self-service quoting with role-based access.
How does RQB connect to other systems?
Through open REST APIs and native integration with Expert Insured, MGA Systems, AMS360, and Applied Epic.
