Know if it's worth quoting before you quote
The pre-submission intelligence layer that evaluates commercial prospects, scores quote readiness, and helps you focus on submissions that actually bind. See how RTU works, compare pricing, or read the RTU blog for category insights.
Free plan · 25 free analyses · Unlimited users · No credit card
Strong candidate for submission. QRS of 87 indicates high placement likelihood across your appointed carriers. Note: Include safety documentation for height work exposure.
Why ReadyToUnderwrite
Stop guessing. Start knowing.
ReadyToUnderwrite gives you the intelligence you need to make better decisions about every prospect—before you invest time.
Quote Readiness Score
A 0–100 scoring system that evaluates how likely a prospect is to get quoted—before you spend hours on the submission.
Carrier Appetite Intelligence
Configure your carriers’ appetites and appointments. RTU simulates every prospect against your configured appetite—so you see which carriers are most likely to write the risk.
Red Flag Detection
AI identifies risk characteristics and potential declination factors at intake—not after you’ve prepared the submission.
Intelligent Risk Intake
AI reviews publicly available business information and enriches prospect data. Build structured risk profiles in minutes, not hours.
Submission Readiness
Dynamic checklists show exactly what’s needed for each carrier. Know what’s missing before you submit—organized by carrier and coverage line.
Learning Feedback Loop
Record outcomes and the system learns what works. ReadyToUnderwrite gets smarter about your agency’s carriers, risk types, and submission patterns over time.
Agency Intelligence
The longer you use it, the smarter it gets
Every outcome you record—quoted, declined, bound—teaches ReadyToUnderwrite what actually works for your agency, your carriers, and your book of business.
Decline Pattern Warnings
When your recorded outcomes show a pattern of declines for a carrier-risk combination, you get warned before the next submission.
Document Impact Analysis
Learn which documents actually improve outcomes. Your submission data shows what moves the needle for each carrier.
Submission Velocity Insights
Discover what high-scoring, well-prepared submissions have in common—and how to replicate them across your team.
How It Works
From prospect to decision in minutes
ReadyToUnderwrite fits into your existing workflow and makes every step smarter. See the full process.
Enter Prospect Info
Add basic details or a website URL. AI reviews publicly available information and builds a risk profile.
Get Instant Analysis
Receive a QRS score, risk tier classification, red flags, and improvement recommendations.
Match to Your Carriers
See which of your appointed carriers best fit this risk—based on appetite rules you configure.
Submit with Confidence
Use readiness checklists to prepare complete submissions. Record outcomes to improve future results.
Pricing
One agency. One price. Everyone uses it.
Every plan includes the full scoring engine and unlimited users. No seat limits—your whole team gets access.
Every plan includes
What is an Analysis?
An analysis is one prospect evaluation performed by RTU. Each analysis may include:
ReadyToUnderwrite is designed to help agencies focus on the prospects most likely to bind—reducing wasted effort and improving submission quality over time.
Performance metrics reflect system capabilities. Actual outcomes depend on data quality, carrier relationships, and market conditions.
Know if it's worth quoting before you quote
Start with 25 free analyses. Unlimited users. Full engine. No credit card required.