Last Updated on 7. August 2025 by mgm-marketing
With X12 Cosmo, managing general agents (MGAs) receive a powerful platform that combines digitization, automation, and integration at the highest level. Thanks to the flexible AI-based A12 low-code platform, individual competencies and business ideas can be optimally integrated into all processes—from risk assessment, underwriting, and portfolio accounting to claims management. This allows MGAs to leverage their unique selling propositions in a digital world and sustainably assert themselves in the market.
Content
- Why should managing general agents focus on an integrated digital platform right now?
- How can MGAs secure their individual competence and business idea as a success factor?
- Which core functions of X12 Cosmo are particularly interesting for managing general agents?
- Contact for inquiries and demos
Why should MGAs focus on an integrated digital platform right now?
The insurance industry is undergoing a profound transformation: digitization, automation, and the desire for more efficient processes shape the market environment. Managing general agents (MGAs) are increasingly positioning themselves as “speedboats” between insurers and brokers, leveraging their high level of expertise to meet the growing market demands. A powerful, flexible, and fully integrated solution that accurately represents individual processes and ensures maximum transparency towards risk carriers and distributors is critical for success. mgm insurance offers Cosmo, a forward-looking complete solution that addresses all needs of modern MGAs.
How can MGAs secure their individual competence and business idea as a success factor?
A key success factor for managing general agents is the ability to reflect their individual competence and specific business idea in their business processes. Standardized solutions quickly reach their limits here. The unique aspects of underwriting, product design, or digital customer communication and integration are often what makes an MGA unique in the market and secures competitive advantages.
To efficiently and sustainably represent this individuality, flexible, adaptable technology is required. mgm insurance relies on the award-winning AI-based A12 low-code platform. This technology allows even complex and individual requirements to be swiftly, efficiently, and audit-proofly transferred into digital business processes. The A12 platform has already demonstrated in numerous successful projects that it can create tailored solutions for MGAs—without sacrificing the advantages of a standard platform:
- No-code product modeling – Rates, coverage concepts, and clauses can be adjusted via drag-and-drop.
- Joint development platform for business & IT – Subject matter experts model, developers refine. This way, you remain digitally sovereign.
- No shadow IT – Individual processes are represented within the platform, thus avoiding the need for tools like Word and Excel.
- Quick start with templates – Preconfigured industry components bring new products and processes to live in just a few weeks.
Which core functions of X12 Cosmo are particularly interesting for managing general agents?
The X12 Cosmo solution is modular – managing general agents only use the modules relevant to their business and integrate existing software, e.g., accounting and billing systems:
| Module | Used by managing general agents for efficiency & transparency |
| AI Assistant | Automated extraction of risk, document, and process data – including handover to third-party systems. Less manual work, more focus on quality. |
| Underwriting | Proposal, tender, and contract management in one interface: pricing, documentation, policy issuance, portfolio management. |
| Bordero | Bulk billing between insurers, MGAs, and brokers at the push of a button – complete traceability for all partners. |
| Risk | Centralized, line-specific, and cross-line management of risk data – perfect basis for reporting and active portfolio management. |
| Data Pool | Harmonized data hub for dispositive data from all systems – avoids silos, creates consistency.. |
| Claims | End-to-end claims system: reporting, reviewing, settling, and booking – fully digital and audit-proof. |
With Cosmo, managing general agents receive a digital platform that digitally maps the entire value chain. Efficiency increases, process optimization, and risk transparency are not just promises, but measurable realities.
Contact for inquiries and demos
mgm X12 Cosmo – The integrated digital platform for managing general agents
