Vertafore, the Denver-based insurance distribution technology company, has introduced its Digital Underwriter vision for managing general agents and launched two Velocity AI agents designed to reduce manual work across underwriting workflows. The strategy focuses on increasing underwriting capacity without requiring MGAs to expand teams at the same pace as submission volumes.
Vertafore is embedding AI agents directly into its MGA software, where they handle preparation and repetitive processing while underwriters retain responsibility for risk assessment and final decisions.
MGAs often compete for business from the moment a submission arrives, making processing speed commercially important. Yet underwriters still spend substantial time preparing submissions, collecting information and reviewing documents rather than evaluating risk or developing programs.
That administrative workload usually increases as an MGA grows. Vertafore’s Digital Underwriter model addresses work across submission intake, risk evaluation, quoting, binding and servicing rather than automating isolated tasks outside the main underwriting process.
Emily McGinn, general manager of MGA and Wholesale at Vertafore, said the company’s objective is to create more capacity across the entire workflow. AI handles more preparation and repetitive work, then directs underwriters towards information requiring attention.
The first of the two new products, the Velocity Change Request Agent, reviews renewal and endorsement applications and identifies changes between versions. It then produces a summary showing information that might affect the underwriting decision.
Underwriters review and approve the summary before Vertafore saves it to the application record. The process also creates a reference for subsequent work instead of requiring employees to search manually through multiple versions of an application.
Preliminary Vertafore testing found the Change Request Agent reduced review time by up to 70%. The company also reported reductions of up to 98% in errors and missed changes during testing. General availability is expected in fall 2026.
The second product, the Velocity Configuration Agent, targets program administration inside Vertafore’s Surefyre platform. It gives administrators a natural-language interface for creating or changing more complex program configurations without depending as heavily on specialist technical staff.
An administrator describes the required change in ordinary language, and the agent converts the request into a proposed configuration. Staff then review, refine, preview and test the configuration before saving it.
Vertafore said this structure gives Surefyre administrators more direct control over routine configuration work while leaving specialists with more time for program design. MGAs also receive a faster route for adjusting products when carrier requirements or business needs change.
Initial testing showed reductions of up to 65% in configuration time, according to Vertafore. General availability for the Configuration Agent is also scheduled for fall 2026.
Vertafore has separately previewed a Velocity Policy Check Agent for MGA workflows. The product will compare information in issued policies against application data and policy records, then identify mismatches or missing information requiring review.
Instead of completing a field-by-field comparison manually, underwriters receive exceptions identified by the system and concentrate on those differences. Human review remains part of the process before corrections or other underwriting actions proceed.
The Policy Check Agent expands the Digital Underwriter model further into post-bind work. Vertafore hasn’t announced a general availability date for the MGA version.
The two newly announced agents follow earlier Velocity products introduced for MGA operations. Vertafore already offers the Velocity Submission Processing Agent and Velocity Portal Launcher Agent as part of its effort to automate more of the work surrounding underwriting decisions.
The Submission Processing Agent addresses intake work by extracting and organising information from incoming submissions. The Portal Launcher Agent supports workflows involving external carrier and insurance portals, reducing repetitive navigation and data handling.
Together, the products form Vertafore’s attempt to apply AI across connected stages of underwriting rather than adding a separate assistant beside existing software. The agents operate inside the company’s MGA systems and pass work between automated processing and human review.
Vertafore expects the approach to help MGAs process more submissions with existing underwriting teams, shorten cycle times and improve bind rates. Those measures have direct commercial consequences because slower processing leaves brokers and insureds waiting while competing markets respond.
CEO Amy Zupon said Vertafore’s strategy centres on changing how work moves through insurance systems instead of placing standalone AI functions around existing processes. The company is connecting automated preparation with human decisions across the same workflow.
Vertafore is applying a similar agent-based model elsewhere in insurance distribution. In September, the company also introduced new Velocity AI agents for independent insurance agencies covering document review, policy intake, policy checking and employee support.
The MGA products address a different operating environment, where underwriting teams manage submission volume, carrier requirements and program configuration. Vertafore is using the Digital Underwriter concept to connect those activities through its existing software rather than requiring MGAs to move work into a separate AI platform.
