{"id":3184,"date":"2025-07-31T12:21:58","date_gmt":"2025-07-31T12:21:58","guid":{"rendered":"https:\/\/dev.opendesignsin.com\/insillion\/?p=3184"},"modified":"2025-12-11T11:16:13","modified_gmt":"2025-12-11T11:16:13","slug":"startup-mga-tech-innovation","status":"publish","type":"post","link":"https:\/\/dev.opendesignsin.com\/insillion\/thought-leadership\/startup-mga-tech-innovation","title":{"rendered":"How to Choose &#038; Future Proof your Tech Stack: A Guide for Start-up MGAs"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1339.52px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><em>This content is an excerpt from Digital Evolution: How MGAs and MGUs are Embracing Innovation, an interview featuring Insillion CEO Raja Raman, hosted by <a href=\"https:\/\/www.targetmkts.com\/\" target=\"_blank\" rel=\"noopener\">TMPAA<\/a> Executive Director Gene Abbey as part of the Target Topics InfoSeries \u2014 a thought leadership series where industry leaders offer insights on dealing with pressing issues faced by the Program Business space.<\/em><\/p>\n<p><span data-contrast=\"auto\">Whether you're an aspiring MGA or a well-established one, it's easy for tech innovation to take a backseat unless it's a core offering of yours. However, the right technology choices have a tangible impact across every part of your operations, be it speed, scalability or overall customer experience.\u00a0<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">With so many tools offering similar benefits, it's hard to know what actually tips the scale.\u00a0In response, this conversation offers an informed view on where insurance technology is headed, and what strategic priorities MGAs should focus on to stay future-ready.\u00a0<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/1OD4GWLScUo?si=pliT0_1omEkLm6FR\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>The Start-up MGA Tech Stack: Key Factors to Consider When Choosing Yours<\/h2>\n<p><span data-contrast=\"auto\">New MGAs need technology that not only supports their current operations but also scales efficiently with them three years down the line. When chosen without foresight, technology can hold back innovation and limit growth in markets with evolving demands.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That doesn't mean MGAs will inevitably hit a wall in a few years, or that they need to spend months setting up complex systems before launching. It just means that the technology they choose should be able to grow with their business and effectively handle future data volumes, processing, and storage needs.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">New MGAs typically can't afford large-scale systems like Guidewire or full IT teams to maintain them. As a result, they either spend too much time building infrastructure themselves, or settle for tools that don't quite fit\u2014leading to subpar automation and data systems.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Recognizing this challenge, Insillion offers <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/managing-general-agent-solution\">carrier-grade PAS solutions<\/a> thoughtfully restructured to meet MGAs' unique needs. With a flexible, <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/mga-pricing\">pay-as-you-grow model<\/a>, our platform is designed to scale with MGAs.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<h2>Preparing for the AI-Driven MGA: What You Should Be Doing<\/h2>\n<p><span data-contrast=\"none\">AI, especially agentic AI, is set to fundamentally redefine how we access and implement solutions. We will no longer need large teams of developers to define and automate processes. Instead, AI will be able to handle these tasks in a much more linear and seamless manner.<\/span><\/p>\n<p><span data-contrast=\"auto\">For example, underwriting ops can be almost fully automated, with a <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/thought-leadership\/insurance-ai-underwriting\">human-in-loop<\/a> stepping in if\u00a0designated<\/span><span data-contrast=\"auto\"> or when triggered,<\/span><span data-contrast=\"auto\"> signaling a potential issue. MGAs will not\u00a0need to manually handle\u00a0end-to-end submissions anymore.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Today, P&C underwriters are already benefitting greatly from AI's deep research capabilities. <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/products\/submission-automation\">Lengthy reports can be converted into easily digestible summaries<\/a>, helping underwriters assess risks faster.<\/span><span data-ccp-props=\"\">\u00a0<\/span><span data-contrast=\"none\">AI also has the potential to transform risk profiling and the generation of risk scores. The insurance industry hasn't widely adopted AI in risk profiling just yet because AI isn't as deterministic and reliable as we'd like it to be for risk evaluations.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">As for the question of adoption, there's only one answer: Adapt or be left behind. AI is impacting every industry including insurance, so the real question is <\/span><span data-contrast=\"none\">how<\/span><span data-contrast=\"none\"> you choose to bring it into your business \u2014 gradually integrating it component by component, or by <\/span><span data-contrast=\"auto\">evolving into an AI-driven organization as a whole.<\/span><span data-ccp-props=\"\">\u00a0<\/span><span data-contrast=\"auto\">AI and agentic systems aren't where we want them to be today. But when they are, MGA systems need to be ready to integrate AI wherever it can to enhance operational efficiency and decision-making.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">Agentic APIs: The Future of Plug-and-Play Integration<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">APIs have continuously taken different forms over the years<\/span><span data-contrast=\"auto\"> \u2014 <\/span><span data-contrast=\"none\">from application APIs to HTTP based,<\/span><span data-contrast=\"auto\"> JSON-based, and SOAP-based interfaces.<\/span><span data-contrast=\"none\"> The next evolution, I believe, is the <\/span><i><span data-contrast=\"none\">agentic<\/span><\/i><span data-contrast=\"none\"> form of APIs.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">By definition, APIs are electronic interfaces, with a front end that, in the future, will increasingly interact with agentic AI. Developers traditionally study API documentation and manually figure out what sequence to call.\u00a0<\/span><span data-contrast=\"none\">This method will be gradually phased out with Agentic AI, which can automatically<\/span><span data-contrast=\"auto\"> understand how to integrate APIs when provided with a well-defined documentation. <\/span><span data-contrast=\"none\">A distribution partner with a similar Agentic AI built into their system can automatically integrate and consume your services without any manual configuration on your end.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">While the form that APIs take may evolve, the concept remains a constant. Therefore, when evaluating any technology, make sure to assess how well-defined its built-in <\/span><span data-contrast=\"auto\">API offering is. A <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/platform\">solid API foundation<\/a> is key to future-proofing your MGA's systems.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">What It Takes to Build a Tech-First MGA<\/span> <span data-ccp-props=\"\">\u00a0<\/span><\/h2>\n<h3>1. Treat technology as a core part of your MGA's business, not something that sits around it.<\/h3>\n<p><span data-contrast=\"auto\">Make technology part of every aspect of your business plan, from customer engagement\/interfacing to carrier integration.<\/span><span data-contrast=\"none\"> When you treat technology as something that drives your business instead of an afterthought, <\/span><span data-contrast=\"auto\">it can significantly enhance and differentiate your business from competitors.\u00a0<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">If you have trouble visualizing exactly how technology can make every aspect of your business smoother, talk to tech partners like <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/\">Insillion <\/a><\/span><span data-contrast=\"auto\">\u2014 <\/span><span data-contrast=\"none\">We're here to make that clearer.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<h3>2. It doesn't have to be Build<i> or<\/i> Buy: It can be both.<\/h3>\n<p><span data-contrast=\"none\"> MGAs might assume that building is expensive and that buying is the only cost-effective option. Over time however, the ownership costs of building run long and the technology can also become limiting as you grow.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Therefore, it's smart to clearly outline which components are worth building, and which ones are better bought. Over time, you can even replace the built technology with more scalable, off-the-shelf solutions. <\/span><span data-contrast=\"none\">Whenever standard components are available, buying over building often saves time, effort and maintenance issues over the years.<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<h2>Conclusion<\/h2>\n<p><span data-contrast=\"auto\">With Tech and AI growing in leaps and bounds, steady and intentional adoption is key to building a competitive, lean business. A flexible, scalable tech foundation that aligns with your long-term goals enables your MGAs to not just adopt with ease, but lead confidently in evolving markets. <\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Whether you\u2019re an aspiring MGA or a well-established one, it\u2019s easy for tech innovation to take a backseat unless it\u2019s a core offering of yours. However, the right technology choices have a tangible impact across every part of your operations, be it speed, scalability or overall customer experience.\u00a0\u00a0<\/p>\n","protected":false},"author":1,"featured_media":776,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[25],"class_list":["post-3184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thought-leadership","tag-debitis"],"acf":{"event_date":null,"author_name":"Raja Raman","author_image":{"ID":1278,"id":1278,"title":"","filename":"raja-raman.jpg","filesize":10475,"url":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","link":"https:\/\/dev.opendesignsin.com\/insillion\/thought-leadership\/insurance-core-system-modernization-benefits\/attachment\/raja-raman-3","alt":"","author":"1","description":"","caption":"","name":"raja-raman-3","status":"inherit","uploaded_to":1276,"date":"2025-04-04 12:41:37","modified":"2025-04-04 12:41:41","menu_order":0,"mime_type":"image\/jpeg","type":"image","subtype":"jpeg","icon":"https:\/\/dev.opendesignsin.com\/insillion\/wp-includes\/images\/media\/default.png","width":100,"height":100,"sizes":{"thumbnail":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","thumbnail-width":100,"thumbnail-height":100,"medium":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","medium-width":100,"medium-height":100,"medium_large":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","medium_large-width":100,"medium_large-height":100,"large":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","large-width":100,"large-height":100,"1536x1536":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","1536x1536-width":100,"1536x1536-height":100,"2048x2048":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","2048x2048-width":100,"2048x2048-height":100,"blog-large":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","blog-large-width":100,"blog-large-height":100,"blog-medium":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","blog-medium-width":100,"blog-medium-height":100,"recent-posts":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","recent-posts-width":100,"recent-posts-height":100,"recent-works-thumbnail":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman-66x66.jpg","recent-works-thumbnail-width":66,"recent-works-thumbnail-height":66,"fusion-200":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","fusion-200-width":100,"fusion-200-height":100,"fusion-400":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","fusion-400-width":100,"fusion-400-height":100,"fusion-600":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","fusion-600-width":100,"fusion-600-height":100,"fusion-800":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","fusion-800-width":100,"fusion-800-height":100,"fusion-1200":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","fusion-1200-width":100,"fusion-1200-height":100,"portfolio-full":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","portfolio-full-width":100,"portfolio-full-height":100,"portfolio-one":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","portfolio-one-width":100,"portfolio-one-height":100,"portfolio-two":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","portfolio-two-width":100,"portfolio-two-height":100,"portfolio-three":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","portfolio-three-width":100,"portfolio-three-height":100,"portfolio-five":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/04\/raja-raman.jpg","portfolio-five-width":100,"portfolio-five-height":100}}},"_links":{"self":[{"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/posts\/3184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/comments?post=3184"}],"version-history":[{"count":2,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/posts\/3184\/revisions"}],"predecessor-version":[{"id":3929,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/posts\/3184\/revisions\/3929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/media\/776"}],"wp:attachment":[{"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/media?parent=3184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/categories?post=3184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.opendesignsin.com\/insillion\/wp-json\/wp\/v2\/tags?post=3184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}