Question 1

What is a "system of action" for underwriters?

Accepted Answer

A system of action is the surface where insights become decisions and decisions become coordinated work. Where a system of record stores what happened and a system of intelligence predicts what could happen, a system of action is where an underwriter sees the day's required decisions, makes them in one click — bind, decline, refer with downstream notifications wired — delegates to specialist agents and reviews their output, and coordinates with brokers and teammates without leaving the surface.

Question 2

How much does Vortic cost?

Accepted Answer

Vortic is pay-as-you-go. Approved users top up via Stripe Checkout — $0.10 per credit, $20 minimum top-up, credits never expire. A full pipeline run uses 18 credits ≈ $1.80. The platform is invite-only during early access; request access via the signup form. Enterprise pricing with SSO, on-prem and dedicated CSM is available.

Question 3

Which LLM does Vortic use?

Accepted Answer

Vortic runs on a curated set of free OpenRouter models — Llama 3.3 70B Instruct (fast tier), DeepSeek V3 (balanced), Qwen 2.5 72B Instruct (capable), and Gemini 2.0 Flash (multimodal/long context). Each agent is matched to the most suitable model. Enterprise customers can configure paid model fallbacks.

Question 4

Who uses Vortic?

Accepted Answer

Vortic is built for everyone who touches a risk: underwriters (primary), MGAs and Lloyd's coverholders (deployment unit), brokers (quote-back), carriers (capacity), reinsurers (treaty visibility), adjusters (audit trail), and compliance teams (FCA/NAIC oversight).

Question 5

What data sources does Vortic integrate with?

Accepted Answer

Vortic's data fabric includes EA Flood API, FEMA NFIP, Verisk ISO, D&B Firmographics, Lloyd's Market Data, OS Postcodes, broker portals (Marsh, Aon, Howden), and your own data warehouse (Snowflake, Postgres). Outputs flow to carriers, reinsurers, compliance, brokers, and adjusters.

Question 6

What is agentic underwriting?

Accepted Answer

Agentic underwriting is the practice of delegating structured parts of the placement workflow to multiple specialist AI agents — each with a narrow contract, traceable outputs, and human gates at bind — instead of a single generic chat assistant. Agents may run in parallel (risk, flood, pricing, compliance, treaty, portfolio) before synthesis into an audit-ready memo.

Question 7

Does Vortic replace underwriters?

Accepted Answer

No. Vortic automates extraction, enrichment, specialist analysis, and memo drafting. Underwriters retain judgment on bind, decline, refer, conditions, and broker conversations. The product is designed as a system of action: agents propose, humans dispose, with full traceability.

Question 8

How fast can Vortic analyze a broker submission?

Accepted Answer

A typical full nine-agent pipeline run—including PDF parsing, parallel specialists (risk, flood, pricing, compliance, treaty, portfolio), and memo synthesis—completes in roughly 20–30 seconds end-to-end with streaming updates. Actual latency varies by document complexity and model routing.

Question 9

Who should request access to Vortic?

Accepted Answer

Teams that bind commercial risks on delegated authority—MGAs, Lloyd's coverholders, binding-authority underwriters, wholesale brokers needing faster quote-back, carriers overseeing delegated partners, and reinsurers monitoring treaty utilisation. Early access is invite-only; use the signup form to describe your book and workflows.

Question 10

Why use agentic underwriting instead of a single AI chatbot?

Accepted Answer

Specialist agents each have a narrow contract, dedicated prompts, and traceable outputs; they can run in parallel before synthesis into one memo. That yields faster bind-ready decisions, clearer citations to external data (flood, firmographics, market benchmarks), and an audit trail regulators expect—versus one opaque assistant thread.

Built for MGAs,
coverholders, and carriers.

Request access.

Built for MGAs,coverholders, and carriers.

Request access.

Built for MGAs,
coverholders, and carriers.