Stop-Loss MGU Platform
Threshold.

Your underwriters should be
underwriting.

Every hour your underwriters spend on admin is an hour they aren't underwriting. Every case that takes days instead of hours is a broker relationship at risk. Threshold is built for the workflow stop-loss actually runs on — from the email that arrives on Monday to the proposal that goes out the same day.

Request a Demo See Capabilities
Zero-touch
RFP to Structured Case
Minutes
RFP to Structured Case
End-to-end
Intake to Bound Policy
Full
Audit Trail
The Problem

The tools haven't kept pace
with the complexity.

Stop-loss underwriting is one of the most knowledge-intensive workflows in insurance. Every quote requires cross-referencing carrier guidelines, credibility-weighting experience, modeling network fit, and applying treaty-specific rules — correctly, every time. That expertise takes years to develop.

And then most of it gets buried in admin. Census files re-keyed by hand. Cases tracked in spreadsheets. Institutional knowledge living in one senior UW's head, with no way to transfer it when they leave.

The Flood isn't dramatic. It's the slow accumulation of manual steps, disconnected tools, and invisible risk that most MGUs have just accepted as the cost of doing business. Threshold was built to change that.

  • Institutional knowledge lives in senior UWs' heads — and walks out the door when they leave
  • Census re-keying and manual data entry consume hours that should go to underwriting
  • Carrier guidelines buried in PDFs — no system enforces them automatically on every case
  • Cases fall through the cracks when brokers have no visibility and UWs have no triage system
Platform Capabilities

One platform. The entire workflow.
Every decision traceable.

Built around the stop-loss workflow from the ground up — not a generic platform retrofitted for insurance. Every capability your UWs need, without switching tools.

Zero-Touch RFP Intake
Brokers email RFPs in any format. Threshold receives, parses, and structures the case automatically. The submission arrives on the underwriter's desk ready to work — before anyone has touched it.
Automated Census Extraction
Census files in any format — ZIP, CSV, XLSX — parsed automatically. Member data extracted, validated, and structured. No re-keying. No transcription errors. The first thing a UW sees is clean data.
Submission Genius
Before a UW touches the case, Submission Genius runs a full assessment — maps plan labels to quote options, scores data quality, flags missing items, and surfaces UW issues. The problems that would surface mid-quote surface before it starts.
Multi-Carrier Quoting
Multi-carrier quotes built in a single workflow — powered by WTW HealthMAPS 2025 Spec and 2024 Agg tables. Every factor, every adjustment, every carrier difference is traceable. The audit trail behind every number is complete before the proposal goes out.
Rx Carve-Out Quoting
Quote stop-loss with or without Rx carve-outs — PBM, formulary type, and Rx-specific deductibles extracted from RFPs and reflected in multi-carrier proposals automatically.
Bind & Policy Management
Firm quote to bound policy without leaving the platform. Bind checklist, carrier policy number, and full policy lifecycle from intake through in-force. The case that arrived as an email becomes a bound policy with a complete audit trail.
Accounting & Invoice Management
Premium ledger, commission tracking, carrier remittances, and MSL retention summary — all in one place. Generate invoices and approve commissions without leaving Threshold.
Credibility-Weighted Experience Rating
Spec and aggregate experience is structured at intake, credibility-blended, and factored into the quote automatically. Shock claim normalization, Table 14 annualization, and 12/24-month credibility weighting — running behind every option, visible on demand.
Role-Aware Home Dashboard
Every user lands on a dashboard built for their role — urgency buckets, workload indicators, and data quality tiers surface what needs attention before the day starts.
MFA & Audit Security
Native TOTP multi-factor authentication with backup codes, plus a full admin audit log on every user action — built to support compliance audits, no add-ons required.
OFAC Sanctions Screening
Every case is automatically screened against OFAC sanctions lists as part of the standard intake flow — compliance built in, not bolted on.
Network Heat Maps & PPO Analysis
Visualize network density and model PPO savings across geographies. 2.67M interpolated ZIP3-level discount rows, ISL-band breakdowns, and Alliance network coverage live — giving underwriters the data to make better network decisions faster.
Carrier, Broker & Vendor Portals
Dedicated portals give each stakeholder role-appropriate visibility and access — no more status calls, no more email chains asking "where are we?"
UW Workflow & Codex
A full underwriting workflow with decision codex — every action logged, every decision traceable, every case fully auditable from intake to bind.
Document Security & Reference Library
Centralized, permission-controlled document management with a built-in reference library — secure access for the right people at the right time.
PPO Discount Report
Generate a detailed savings report for any group — ZIP3-level discount data, ISL-band breakdowns, and network comparison across carriers, ready to deliver to the broker.
Disruption Analysis
Model the impact of a network change on any group's membership — provider overlap, out-of-network exposure, and member-level disruption scores before the quote is bound.
TPA Registry
195+ third-party administrators with network access maps, contact records, and fuzzy-match deduplication — case-linked automatically, always current.
Plan Design Extraction
Deductibles, out-of-pocket limits, coinsurance, and plan type extracted from benefit PDFs automatically — no manual transcription, no re-keying.
Proposal Generation & Delivery
Build multi-carrier quote proposals and deliver them directly to the broker from inside Threshold — formatted, tracked, and logged to the case codex automatically.
Duplicate Detection & SIC Lookup
Automatically flags duplicate RFP submissions before a case is created, and resolves SIC industry codes on intake — clean data from the first moment, not the last.
What Gets Better Over Time

Every case makes
the next one sharper.

Most quoting tools give you a calculator. Threshold gives you a system that learns.

Every case structured, every rate that held, every pattern across similar groups and carriers — captured, structured, and queryable. Prior similar cases surface automatically. Carrier pricing signals compound across your book. The UW who quotes their thousandth group has every prior case in the room with them.

That intelligence can't be replicated by a competitor who starts today. It compounds from day one. It becomes the institutional knowledge that used to live only in senior UWs' heads — now available to every underwriter, every case, every time.

Any competitor can build a better UI tomorrow. Nobody can replicate what accumulates.

  • Prior similar cases surfaced automatically on every new submission
  • Carrier pricing patterns identified across your book over time
  • Institutional knowledge structured and searchable — not locked in one person's head
  • Every outcome captured makes every future recommendation sharper
How It Works

The RFP arrives Monday.
The proposal goes out the same day.

Threshold is designed around the stop-loss workflow as it actually runs — not a generic platform adapted for insurance.

1
Broker Emails the RFP — That's It
The broker sends the RFP with attachments in any format. Threshold receives it, extracts every piece of data, structures the case, and routes it. No portal login required. No re-keying. The case is live before the UW's inbox refreshes.
2
Threshold Structures Everything Automatically
Census parsed. Attachments classified. OFAC screening complete. Prior similar cases surfaced. Carrier guidelines checked. Submission Genius scores the data quality and flags what needs UW attention. The underwriter's job starts where it should — with underwriting.
3
The UW Underwrites. The Proposal Goes Out.
The underwriter opens a fully-structured case — network fit scored, experience rated, carrier guidelines applied, prior patterns surfaced. Multi-carrier quotes built. Proposal generated and delivered to the broker. Every decision logged. Every factor traceable. Full audit trail from the first email to the bound policy.

If your underwriters are spending more time on admin than on underwriting — that's the problem we solve.

Threshold is in active deployment with stop-loss MGUs. We work with a focused group to make sure each deployment runs right. Tell us about your operation and we'll show you how it works on a real case.