P&C Distribution: How Insillion Enables MGAs to Reach Customers Across Distribution Channels

Today's agents, brokers, and end consumers expect instant quotes, seamless digital experiences, and 24/7 accessibility. According to ReSource Pro research, MGAs are aggressively exploring new channel strategies to expand their market reach in an increasingly competitive and hardening market. Yet many remain held back by existing systems that can't keep pace with distributor demands. The solution? P&C insurance distribution software.

Here are three key distribution channels Insillion empowers for MGAs—built for reach, efficiency, and speed.

Establishing the P&C Insurance Ecosystem

Today’s customers expect seamless interaction, no matter the channel. Partners want seamless integration that makes insurance feel native to their platforms, while agents expect to engage with MGAs through modern digital channels. For MGAs, this means embracing true omnichannel distribution that delivers consistent, efficient, and personalized experiences.

MGAs faced critical obstacles: slow quote-to-bind cycles, high cost-to-serve (CTS), and manual processes. These gaps prevented MGAs from fully realizing the potential of insurance omnichannel distribution.

How Insillion Enables Omni-Channel Insurance Distribution

Insillion's insurance portal software empowers MGAs to deliver all three on a single platform. By transforming Excel raters into APIs, it powers digital portals that seamlessly connect front-end interfaces with middle-office functions like quoting and binding.

The unified approach works like this:

• B2B Portals: Connect agents and brokers directly to MGAs, enabling policy management, instant quotes, real-time binding, and intelligent workflows.
• B2C Portals: Allow customers to purchase insurance policies directly, meeting the rising demand for self-service.
• B2B2C Portals: Enable businesses to sell insurance to their end customers through branded partner platforms, often with additional integrated services.

Every distribution channel is built on a single codebase, meaning any product update, rate change, endorsement, or new feature flows automatically across all portals. This architecture ensures MGAs always deliver consistent, up-to-date products across every channel while reducing operational complexity. Insillion’s portals go beyond standard interfaces. They offer:

• Configurable, persona-based journeys that adapt to the needs of agents, customers, or partners.
• Co-branding features let distribution partners reflect partnership in end-to-end user experience fostering trust and consistency.
• Pre-fill capabilities speed up the quote-to-bind process.
• Built-in recommendation engines suggest upsell and cross-sell opportunities, maximizing revenue potential.

According to Direct Commercial, 78% of brokers in 2025 said online portals give them a competitive edge when placing business. With Insillion, MGAs overcome costly, complex custom portals and gain an out-of-the-box solution that cuts maintenance, reduces time and simplifies updates, expands distribution, boosts scalability, and drive higher conversion rates. 

Capturing Growth Through Embedded Insurance

Insurance has traditionally been sold as a standalone product, requiring customers to go through time-consuming steps. Embedded insurance changes that by integrating coverage into everyday purchase journeys, making it effortless and accessible. By 2030, embedded insurance in Asia alone is expected to become a $270 billion market in terms of gross written premium.

In Insillion’s latest MGA101 educational video series, P&C Insurance Distribution, Unpacked, industry expert Alexis Vaughn discusses the rising popularity of embedded insurance as a distribution channel for MGAs. She notes that many MGAs and MGUs opt for an embedded approach when they prefer not to sell their products through brokers or retail agents but instead want to go directly to the consumer. Embedded distribution offers an effective way to achieve this. In fact, 70% of insurance carriers are now partnering with non-traditional distributors like ride-sharing apps and travel platforms to offer embedded solutions.

Insillion – Embedded Insurance Case Study:

Royal Sundaram General Insurance (RSGI), a well-known Property and Casualty insurer with headquarters in India, now offers embedded Group Personal Accident (GPA) policies in addition to e-ticket purchases via INSILLION's API platform through an integration with the Indian Railway Catering and Tourism Corporation (IRCTC), which is a public sector enterprise under the Ministry of Railways in India and operates one of the largest travel websites in the Asia-Pacific region.

Built on Amazon Web Services (AWS) Cloud, the integration delivered a highly scalable, frictionless experience, issuing over 30 policies per second and more than 640,000 policies in a single day.

How Insillion's Embedded Insurance Solution Works

Success in embedded P&C insurance depends on seamless technical integration. API distribution in insurance is Insillion's core strength. Insillion supports custom "byte-sized" insurance products co-created with partners, using:

• Auto-generated API documentation for faster integrations
• Recommendation engines with dynamic pricing to deliver personalized quotes
• Flexible configurations to make rapid changes to pricing and rating parameters

And because the platform is cloud-native, it scales effortlessly to handle surging demand, ensuring a truly sustainable growth model.

For MGAs opting for the embedded insurance route, Alexis Vaugn states that if MGAs are offering travel coverage, including those that cover cancellations for Airbnb hosts and provide protection to customers, those experiences need to be embedded into the purchase journey when it's most convenient and visible at the point of purchase.

By leveraging modern P&C insurance distribution software, MGAs reduce acquisition costs, move faster, close the protection gap, and extend reach to customers they couldn't engage before.

Automating Email Submission Intake and Triage

Despite the rise of digital portals, a large share of P&C submissions, especially for complex risks, still arrive via email. Brokers prefer email because it’s fast, flexible, and requires no extra training. For specialty lines and non-standard coverage, email provides the flexibility to share detailed context and supporting documentation that doesn't fit neatly into forms.

However, manual email processing creates major challenges. Insillion turns manual email submissions into a fast, error-free workflow, accelerating your quote-to-bind through intelligent email submission automation.

How Insillion's Email Submission Automation Works

Insillion turns manual email submissions into a fast, error-free workflow, accelerating your quote-to-bind through submission intake automation and intelligent document processing insurance capabilities.

The workflow operates seamlessly:

• Automated Data Extraction: Using intelligent document processing technology, Insillion extracts data from email bodies and attachments regardless of format
• Triage: Submissions are categorized by line of business, priority and assessed against underwriting rules.
• Smart Routing: Based on triage results, submissions flow to appropriate destinations:
  • Straight-Through Processing (STP): Standard submissions meeting all criteria are route automatically for instant quotes
  • Underwriter Routing: Complex submissions or those with exceptions routed to experienced underwriters' queues
• Automatic Acknowledgment: The system generates broker acknowledgment and informs them of submission status periodically.

The result? Faster quote turnaround times, improved bind ratios, and significant cost savings. MGAs gain the ability to scale without adding manual workload, while brokers enjoy the responsiveness they expect.

Enabling P&C Distribution Opportunities with Insurance Software

The future of P&C insurance distribution belongs to MGAs that deliver fast, flexible, omnichannel experiences. Insillion makes this possible with a unified, low-code, API-first platform that transforms Excel raters into scalable portals, powers embedded insurance and automates email submissions. With more than 300 APIs and a proven ability to enable B2B, B2C, and B2B2C channels, P&C insurance distribution software gives MGAs unparalleled consistency, speed, and agility across the entire distribution lifecycle, the capabilities needed to thrive in tomorrow's market.

Frequently Asked Questions:

Who provides APIs for B2B2C insurance sales and servicing?

Insurtech platforms like Insillion provide APIs that power B2B2C insurance sales and servicing. These APIs enable insurers and MGAs to distribute products through partner platforms while offering seamless quote, bind, and policy servicing.

Which platforms support insurers in scaling B2B distribution?

To scale B2B distribution, MGAs can use modern P&C insurance distribution software platforms, such as Insillion, that offer modular architecture, no-code configuration, and extensive API connectivity. These solutions provide agent and broker portals, API-driven workflows, and automated submission intake that reduce turnaround time and costs while enabling scalable growth and expanded market reach.

What are the benefits of embedded insurance for MGAs?

Embedded insurance allows MGAs to insert coverage directly into customers’ purchase journeys, for example, when booking travel or financing a car. The key benefits include: higher conversion rates, reduced acquisition costs, expanded reach into new customer segments and untapped markets, closing the protection gap, a sustainable growth model, increasing distribution efficiency, while strengthening customer relationships.