Platform
Platform OverviewUnderwriting PlatformSubmission TriageOrchestrateData InfrastructureForms EngineRate Price QuotePartner PortalContent Hub
Solutions
CarriersMGAsMutualsMGA Aggregators
Resources
Case StudiesEventsBlogMediaLibraryGuides
About
CompanyCareersTrust Center
info@federato.ai

Mutuals

Build a More Profitable Portfolio

Federato helps mutuals increase their profitability, and dramatically increase their underwriters' productivity.

Book a demo

“The transformation we expect to achieve with Federato will be vastly impactful on our operational efficiency. Our underwriters will be equipped with the tooling and data to quote and bind policies quickly and effectively, simultaneously improving our client experience and our bottom line.”

“The transformation we expect to achieve with Federato will be vastly impactful on our operational efficiency. Our underwriters will be equipped with the tooling and data to quote and bind policies quickly and effectively, simultaneously improving our client experience and our bottom line.”

Benefits of Federato for Mutuals

01

Increased profitability from existing underwriting teams

The Federato platform's submission triage tools help focus your underwriters on the highest-value deals, and creates opportunities for even greater cost efficiencies via straight-through processing.

02

Powerful performance reporting to quantify results

Federato's real-time reporting tools empower you to bring demonstrated underwriting results to your board and reinsurance partners, backed by up-to-date performance numbers.

03

Modern, end-to-end underwriting workflows in a single system

Federato consolidates the entire submission-to-bind process within a single configurable platform, increasing efficiency and visibility while keeping technology costs under control.

04

Built-in underwriting discipline

At every stage of the process, the Federato platform surfaces guidance and decision support based on your portfolio strategy, helping your underwriters stay in alignment as they evaluate risks.

Benchmark your performance using this maturity model
MATURITY LEVEL 01
FIFO

First in, first out. Mostly random manual review.

MATURITY LEVEL 02
Triage

Basic automated ranking, with manual follow-up.

MATURITY LEVEL 03
AI Decision Support

“Prepare a quote for this with a $15k deductible”

Once a triaged task is selected, AI tools provide decision support.

MATURITY LEVEL 04
Supervised AI Underwriting

“Automatically quote good deals for my review”

The system automatically drafts the best triaged deals and explains its reasoning. The underwriter adjusts for nuance and manages the
relationship.

MATURITY LEVEL 05
True Agentic AI Underwriting

“Automatically quote the safest good deals within guardrails”

AI fully executes a subset of deals that clearly fit strategy according to predefined rules and guardrails. 

Decisions are randomly audited by underwriters for quality control.

Underwriting is at the core of building profitable portfolios, and absolutely vital to delivering better financial outcomes.
This maturity model will help you benchmark where your company is today against the most successful companies in the industry.
If your company’s maturity is lagging, you should spend 30 minutes with us to discuss your goals.
Request a demo

“Small mutuals like us are often resource-constrained compared to large carriers. Federato’s tech-first approach to deploying sophisticated data tooling and portfolio management capabilities will allow us to compete in a way that is usually only within reach for global carriers, and to do so this year, not some interminable time in the future.”

Video
Insurance

Top 3 Underwriting Process Efficiency Issues (& How to Fix)

Learn more about how to create underwriting process efficiencies without increasing overhead within the insurance industry.

April 8, 2025

Ready to get started?

Request a demo