A decision made on the wrong rule isn't a mistake. It's exposure.
Factify certifies your carrier guidelines, binding authority rules, and eligibility requirements into governed facts, so every agent decision runs on the rule that's actually in force.
Why insurance agencies and brokers choose Factify
Policy as code
Carrier appetite statements, binding authority limits, eligibility rules, class and territory restrictions, they don't live in binders and carrier bulletins anymore. They become executable logic your agents enforce at placement time
Consistent. Sealed. Auditable.
Whether it's a submission acceptance, a coverage determination, or a referral to your carrier, every agent ran on the same certified guidelines as the last one. Same input, same output. That's what consistency means when a carrier audits your book or an E&O claim comes in.
Always Current
Carriers update appetite. Carriers restrict classes. Carriers tighten territory guidelines, sometimes mid-year, sometimes with a week's notice. When they do, your agents know before the next submission. No gap between what the carrier communicated and what your team is actually placing against.
Full audit trail
When a carrier questions a placement or an E&O claim surfaces, you don't reconstruct the file, you produce it. Every placement decision sealed with the guideline version applied, the inputs used, and who certified that binding authority.
Where insurance brokers are deploying agents today
Submission Intake & Triage
Agents screen submissions against current underwriting appetite, class, geography, limits. Ineligible risks flagged before they reach an underwriter's desk.
Carrier Appetite & Eligibility Screening
Every submission checked against certified carrier appetite before placement. Risks outside authority flagged immediately, before a producer wastes time quoting a class the carrier won't touch.
Placement & Binding
Binding decisions run against certified authority limits and carrier guidelines only. No agent exceeds binding authority or places on a guideline the carrier superseded last quarter
Underwriting & Risk Assessment
Risk evaluation runs on the exact carrier guidelines and appetite active at submission time. Agents don't make eligibility calls from memory, they run on what's actually in your binding authority.
Producer Licensing & Appointments
State-by-state licensing and appointment requirements enforced at point of sale. Agents don't bind business through an unlicensed producer, the rule prevents it before it happens.
Carrier Audit & E&O Documentation
When a carrier audits your book or an E&O claim surfaces, the file is already built. Every placement tied to the guideline version in force at the time, no reconstruction, no scramble.
