Positioning:
FacioMGA is unique in this list because it's not just an AI add-on – it's a full delegated authority policy administration system (PAS) and an AI agent platform in a single stack.
Most tools on this list:
- Require you to already have a core PAS, and
- Integrate as a separate layer for intake, underwriting support, or pricing.
FacioMGA instead:
- Stores products, binders, rating, workflows, and authorities as structured blueprints.
- Uses that structure to power internal AI agents that can read, reason, and act on your actual core data.
- Acts as the system-of-record for policies, binders, and delegated authority rules, not just a "sidecar" tool.
What FacioMGA's AI agents can do
Because the platform is DA-native and low-code, its agents can:
- Help build and modify products (questions, pricing, terms) using conversational input.
- Pre-underwrite and triage submissions against binder rules.
- Enforce authority limits and trigger referrals automatically.
- Generate clean, carrier- or Lloyd's-ready bordereaux.
- Watch aggregates and loss ratios and flag emerging issues.
- Support underwriters with contextual recommendations directly inside the core UI.
Why it's different
- Core + AI in one: Other vendors typically control one domain (e.g., intake, pricing, analytics). FacioMGA controls the entire delegated authority lifecycle and lets AI act inside that core.
- Lloyd's & DA focus: Binders, sections, aggregates, referrals, and bordereaux are first-class objects—perfect ground for AI agents that must operate in a regulated environment.
If you want an MGA brain that is both the PAS and the AI cockpit, FacioMGA is in a category of its own.
Compare: See our full comparison of MGA software platforms and why FacioMGA ranks #1 in AI usage and innovation.
2. Cytora – Agentic AI for Risk Digitization & Intake
What it does
Cytora is a risk digitization platform that transforms messy, unstructured submissions from brokers into structured, decision-ready risks. It uses generative and "agentic" AI to automate intake and route risks appropriately.
Key capabilities:
- Reads emails, attachments, schedules, and statements of values.
- Extracts key fields and normalizes them into consistent schemas.
- Applies rules to prioritise and triage submissions.
- Integrates with existing PAS / workbench tools.
AI agent angle
- Cytora's latest release explicitly references agentic AI, orchestrating multiple "digitization agents" to handle complex transactions with explainability.
Where it fits for MGAs
- Fantastic for MGAs swimming in unstructured submissions and spreadsheets.
- Sits in front of your PAS; it doesn't replace your core system.
3. hyperexponential / hx Renew – Pricing & Underwriting Agents
What it does
hyperexponential's hx Renew is a pricing decision platform widely adopted by complex commercial (re)insurers and MGAs.
Key capabilities:
- Sophisticated rating and pricing tools for complex risks.
- Ability to incorporate proprietary datasets and advanced models.
- Deployed as an underwriter workbench for pricing decisions.
AI agent angle
- Acts like an AI-augmented pricing assistant: it helps underwriters explore scenarios, compare rates, and use more data without drowning in spreadsheets.
- It integrates with PAS and intake tools, but is focused specifically on pricing & decision intelligence, not full policy administration.
Where it fits for MGAs
- Ideal for MGAs focused on complex commercial lines, portfolio optimization, and advanced rating.
- Works best as a pricing brain connected to a PAS—again, not as the PAS itself.
4. IntellectAI – Intelligent Underwriting Agents for MGAs
What it does
IntellectAI offers intelligent underwriting solutions for MGAs, emphasizing "expert agents" that help triage opportunities, manage submissions, and improve underwriting efficiency.
Key capabilities:
- AI-powered opportunity analysis
- Submission ingestion and risk assessment
- Underwriting workflow support and triage
AI agent angle
- Markets "pre-built solutions powered by expert agents" for MGA operations. These agents help underwriters identify attractive opportunities and scale capacity more safely.
Where it fits for MGAs
- Great for improving front-end underwriting and workflow efficiency.
- Typically deployed alongside existing PAS / policy admin tools.
5. Outmarket AI – AI Agents for Appetite, Placement & Portfolio
What it does
Outmarket is an AI platform focused on data-driven underwriting & growth for MGAs, with a strong emphasis on appetite, placement, and portfolio management.
Key capabilities:
- Appetite search and intelligent market placement
- Risk exposure monitoring
- Claims trend detection and early warning signals
AI agent angle
- Uses AI-driven insights and analytics to effectively act as a portfolio and placement agent, helping MGAs attract aligned submissions and manage risk exposure more intelligently.
Where it fits for MGAs
- Particularly useful for MGAs trying to optimise which business they see and place, not just how they process it internally.
6. Earnix – AI for Pricing & Underwriting Automation
What it does
Earnix is known for real-time pricing and personalization, and has published dedicated guidance on using AI and automation to improve MGA underwriting and resilience.
Key capabilities:
- AI-driven pricing models
- Real-time rating and personalization
- Portfolio analytics and scenario modelling
AI agent angle
- Think of Earnix as a pricing/underwriting strategy agent: it helps MGAs continuously refine pricing and product strategies using AI.
Where it fits for MGAs
- Strong for MGAs with high-volume, data-rich portfolios, particularly in personal lines or SME.
7. AllDigital / Athula – AI Underwriting Automation Tool
What it does
AllDigital, in partnership with Athula, launched an AI solution designed to help MGAs and carriers automate underwriting and streamline decision-making.
Key capabilities:
- AI underwriting workflows
- Data integration and decision support
- Focus on scalable underwriting automation
AI agent angle
- Acts as a rule- and data-driven underwriting agent to reduce manual review and speed up decisions.
Where it fits for MGAs
- Good example of how AI underwriting tools can slot into existing stacks; still relies on a separate PAS for core policy admin.
8. Selectsys / Similar Submission Automation Platforms
What they do
Vendors like Selectsys focus on AI-powered submission automation for MGAs, wholesalers, and carriers. Their tools read incoming submissions, extract structured data, and sometimes even generate instant quotes.
Key capabilities:
- Reading unstructured submissions
- Extracting and validating data
- Auto-populating quote systems
AI agent angle
- Operate as submission agents: AI workers that turn messy inbound flow into clean, ready-to-underwrite records.
Where they fit for MGAs
- Extremely helpful for MGAs drowning in inboxes and PDFs, but again, they sit in front of the PAS.