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Expert Insured vs Applied Epic / AMS360: From Retail Agency Systems to MGA-Ready Platforms

Expert Insured and Applied Epic / AMS360 both manage insurance operations, but they serve very different models. Applied Epic and AMS360 were built for retail agencies that focus on client servicing and accounting.

Expert Insured was designed for MGAs, carriers, and wholesalers that need to rate, issue, and service policies directly with carriers and partners.

This comparison outlines the differences between the two and shows how MGAs can transition from traditional agency systems to a full program management platform.

Platform Level Comparison

Feature Expert Insured (Selectsys) Applied Epic / AMS360
Core Focus MGAs, carriers, wholesalers, delegated authority Retail agencies and brokerages
Deployment Cloud-native on Azure Cloud-hosted or on-premise hybrid
Implementation Time Weeks Months
Best For MGAs, program administrators, and carriers launching new programs Retail agencies managing policy renewals and accounting
Integration Model API-first with RQB, AI Assist, and BPO integration Closed system with limited external API support
Operations Layer Built-in via Selectsys BPO Pods Internal staff or third-party outsourcing required

Platform Design

Expert Insured was purpose-built for MGAs who manage delegated programs, carrier reporting, and policy administration. It connects rating (RQB), policy management (EI), and operations (BPO Pods) in one system. Everything works in a continuous loop from quote to issuance to servicing.

Applied Epic / AMS360 provide strong tools for agency management, CRM, and accounting but are not designed for MGAs that need delegated authority, bordereaux reporting, or direct carrier API connectivity.

Verdict: Expert Insured supports full underwriting and policy operations, while Applied Epic / AMS360 focus on agency servicing and accounting.

Implementation and Migration

For a detailed walkthrough of running both systems in parallel and sunsetting later, read our migration guide.

Expert Insured can migrate data from AMS360 or Applied Epic and go live within weeks using the Selectsys Starter Package. The configuration focuses on your workflows and carrier integrations, not on rebuilding accounting structures. Once migrated, your legacy systems can remain as archives while all new programs operate in Expert Insured.

Applied Epic / AMS360 implementations and upgrades can take months and require dedicated IT support, especially when connecting external vendors or carriers.

Verdict: Expert Insured simplifies AMS360 and Applied Epic migration with shorter timelines and lighter data conversion.

Quoting and Rating

Expert Insured integrates directly with RQB (Rate • Quote • Bind) to enable multi-carrier rating and automated appetite rules. It eliminates rekeying and improves quote-to-bind turnaround.

Applied Epic / AMS360 do not include built-in rating capabilities and rely on external raters or carrier portals for quotes. This slows workflows and increases manual steps.

Verdict: Expert Insured provides end-to-end rating and binding, while Applied Epic / AMS360 rely on external quoting systems.

Policy Administration and Lifecycle

Expert Insured includes a full policy administration system with endorsements, renewals, cancellations, and accounting. It supports delegated authority and compliance reporting within one dashboard.

Applied Epic / AMS360 manage policies and renewals but primarily as client service records. They do not handle carrier-side policy issuance or automated document creation for MGAs.

Verdict: Expert Insured covers both MGA and carrier-facing workflows, while Applied Epic / AMS360 serve agency policy tracking.

Operations and Scalability

Expert Insured connects directly to Selectsys BPO Pods, trained insurance teams who manage submissions, renewals, audits, and servicing inside your system. This model gives MGAs immediate capacity without hiring.

Applied Epic / AMS360 require agencies to handle all operations in-house or outsource them manually, often without platform integration.

Verdict: Expert Insured scales operations seamlessly with embedded BPO support; Applied Epic / AMS360 depend on manual coordination.

Analytics and Reporting

Expert Insured includes unified dashboards for cycle time, SLA compliance, hit ratios, and Policy Quality Index (PQI). Data from quoting, issuance, and servicing is combined for accurate analytics.

Applied Epic / AMS360 focus on client and financial reporting but do not provide analytics for delegated program performance or carrier compliance.

Verdict: Expert Insured provides program-level visibility that Applied Epic / AMS360 cannot match.

Security and Compliance

Expert Insured runs on Microsoft Azure with SOC compliance, data encryption, and role-based access control. It is designed to meet audit and reporting requirements for MGAs and delegated carriers.

Applied Epic / AMS360 are secure and reliable but were not built for delegated authority or carrier-level compliance frameworks.

Verdict: Expert Insured delivers MGA-grade security and compliance with modern audit readiness.

When to Choose Each

Choose Expert Insured if you:

  • Are an MGA or carrier operating delegated programs
  • Want to migrate from AMS360 or Applied Epic to a modern AMS/PAS hybrid
  • Need to connect quoting, policy, and servicing
  • Prefer built-in operations with trained insurance staff
  • Value rapid implementation and full API access

Choose Applied Epic / AMS360 if you:

  • Operate a retail agency or brokerage with limited underwriting authority
  • Need detailed accounting and client relationship management
  • Have no immediate plans to handle delegated authority or carrier integrations

Migration Path from Applied Epic / AMS360

Step 1: Export client, policy, and renewal data

Step 2: Clean and import data into Expert Insured’s AMS layer

Step 3: Configure carrier APIs through RQB

Step 4: Activate BPO Pods for operations

Step 5: Go live and phase out legacy systems

This phased approach allows continuous business operation while migrating to a more powerful, connected platform.

Key Takeaway

Applied Epic and AMS360 are proven retail agency systems, but they are limited when it comes to MGA and delegated program workflows.

Expert Insured: delivers the quoting, policy, and servicing capabilities that MGAs and carriers need, all in one environment.

It is also the fastest path for agencies upgrading from legacy AMS platforms to a complete, connected MGA system.

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Comparing Expert Insured with Applied Epic usually comes down to one core truth: Epic was built for retail agencies, while Expert Insured was built for MGAs and program administrators who need underwriting controls, policy lifecycle precision, and flexible workflows. Once you reach the bottom of that comparison, it becomes clear that Selectsys is more than just an AMS — it’s the center of an operating model. If you want to see what that model looks like across quoting, policy administration, automation, and execution, the rest of the platform is where things become clearer.

Start with RQB, which gives MGAs a dedicated rating and quoting engine that works across multiple carriers, LOBs, and program rules. That’s something Epic simply isn’t designed to deliver at MGA scale. From there, Expert Insured shows what happens when policy lifecycle tools are designed with binding authority, forms packages, underwriting rules, and program variations in mind — not just retail workflows.

If you're dealing with inconsistent submission packets or manual data entry, AI OCR & Submission Automation converts emails, documents, supplemental questionnaires, and intake materials into usable, structured data so underwriters don’t spend hours copying information into the system. And when you need support determining whether a risk is in appetite or needs more review, AI Assist provides underwriting guidance and automated decision support directly within the policy file.

The backbone of the Selectsys ecosystem is explained through the Value Flywheel, where RQB drives faster quoting, Expert Insured manages the lifecycle, automation reduces friction, and BPO teams execute at scale. This loop strengthens itself as volume increases, giving MGAs an advantage you don’t get with standalone AMS systems.

If you’re simply looking for a fast entry point, the Starter program provides an easier onboarding path without committing to the full stack upfront.

From an operational perspective, your teams can extend capabilities through Insurance BPO for daily tasks or AI BPO for automation-enhanced workflows. Groups that need support managing policy work rely on Insurance BPO Operations, while distribution-heavy teams turn to General Agent Outsourcing. Agencies and MGAs migrating off legacy platforms often leverage AMS360 Outsourcing or Applied Epic Outsourcing to reduce manual load and transition work cleanly.

High-volume servicing tasks are supported through COI Processing Support, Policy Renewal Support, and Endorsement Processing BPO, while system alignment is maintained through Download & Reconciliation Support. If your teams receive many incoming submissions, Submission Intake & Triage captures and classifies them so no opportunity is missed.

Claims functions move faster through Claims FNOL Assistance, and backend efficiency is extended with AI-Powered Back Office. Retail agencies working under MGA programs rely on Retail Agency Support, while underwriting-heavy operations benefit from Underwriting Support Outsourcing. For deep back-office needs, Policy Administration BPO, Claims Processing Outsourcing, and Back Office Support ensure the operational side of your business scales as fast as your programs do.

If you're comparing Expert Insured with Applied Epic, these connected layers show why Selectsys is more than a system — it’s a fully integrated operating model purpose-built for MGAs and program businesses.

Launch faster. Operate smarter. Grow confidently.

To to see how Expert Insured simplifies migration from AMS360 or Applied Epic to a true MGA-ready platform.

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