From bottlenecks to breakthroughs: Where MGAs are wasting time

Author

Andrés Gutierrez
April 15, 2025

You’re not short on submissions. You’re short on time.

Right now, MGAs are drowning in broker emails, policy PDFs, and manual triage.
And the scary part? Most of them don’t realize how much revenue they’re leaving behind because of it.

If your underwriters are spending more time opening files than quoting risks, it’s not a bandwidth issue.
It’s a workflow problem.

The real reasons MGAs are losing time

Let’s get straight to it. Here are the silent time killers hiding in every MGA:

  • Inbox chaos: Underwriters waste hours sorting submissions that AI could filter in seconds.

  • Document overload: Sifting through inconsistent formats kills your team’s focus and your win rate.

  • Broker ghosting: If you reply too slowly, brokers won’t come back. Speed wins deals.

These aren’t just inefficiencies. These are lost-deal problems.

How top MGAs are turning AI into a competitive advantage

Let’s look at the before and after of real MGA bottlenecks:

Before: Your team spends 3–4 hours every day cleaning and formatting submissions.

After: AI reads, extracts, and flags broker emails before your team even logs in.

Before: You assign three people just to prep quote sheets from PDFs.

After: AI pulls exposure, exclusions, and limits, ready for quoting in minutes.

Before: Turnaround time? 4 to 5 days. And by then, your broker already moved on.

After: With triaged and prioritized submissions, you quote same-day. And you win.

This isn’t about automation. It’s about leverage. AI helps you do the same job with less burnout and more margin.

Real numbers from MGAs using AI

These aren’t hypotheticals. Here’s what’s already happening in the field:

  • MGAs using AI saw a 5x increase in submission triage speed

  • AI-enabled underwriting increased productivity by 50%+

  • Manual data entry time reduced by 60%, improving quote speed and accuracy

This is the edge. The difference between teams who just process submissions and those who win deals.

Final thought: Are you quoting or just sorting?

Your competitors aren’t winning because they have more people.

They’re winning because they’ve stopped spending time on tasks that don’t add value.

You’ve got the deal flow. You’ve got the authority. Now you need the leverage. If you want your underwriters to underwrite (not organize inboxes) it’s time to move from bottlenecks to breakthroughs.

#InsuranceInnovation #MGAOperations #AIinInsurance #WorkflowOptimization #InsurTech

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