The MGA technology stack
The systems supporting submission intake, underwriting, rating, policy administration, data and partner reporting.
An MGA technology stack connects distribution, underwriting decisions, policy administration, billing, claims information, compliance and portfolio reporting.
Workflow before software
Architecture should follow the decisions and evidence the business needs, not a generic vendor checklist.
System of record
Clear ownership of risk, policy, premium and claims data reduces reconciliation and makes authority easier to govern.
Change control
Integrations, rules and models require testing, monitoring and accountable release processes as the portfolio evolves.
Use the structure to ask better questions.
The label is only a starting point. Authority, economics, risk ownership, data rights and governance determine how an arrangement works in practice. Decision-makers should test the underlying evidence and contract rather than infer quality from terminology alone.
This guide provides a high-level educational overview. Market terminology and legal obligations vary by jurisdiction and agreement. MGA Index updates reference pages when material market practice changes.
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