mea runs carrier operations across underwriting, claims and finance behind the systems you already use. Your experts get their days back for risk, judgment and the decisions that move performance.
For carriers, the drag starts with every document opened by hand and every field rekeyed into another system, then compounds through each submission waiting to be triaged, each exception sitting in a queue and each claims handoff, reconciliation and operational step that keeps an expert away from the decision.
The cost shows up across the business: in underwriting capacity, in claims performance, in operating expense and ultimately in the combined ratio.
Operating costs can consume
12 to 14
points of combined ratio.
mea can deliver
up to 60%
lower operating cost on selected workflows.
Clients can see
up to a 40% increase
in underwriting capacity.
Carriers can use the four mea products. Start with the workflow creating the most drag. Connect the rest as the business case expands. The end state is one operating model with no operational drag.
Run the back office end to end.
mea Operations carries out underwriting, claims and finance activity behind the systems your teams already use. Operations leaders retain visibility. Underwriters, claims professionals and finance teams stay focused on the work requiring their expertise.
Turn incoming information into ready-to-work data.
mea reads submissions, claims documents, financial information and supporting correspondence, structures the data and updates connected systems. Add Triage to apply appetite, guidelines and business rules before the work reaches your team.
Build the underwriting experience around the decision.
The underwriting decision environment. mea Underwriting carries the risk from submission to bind: intake, validation, triage, appetite, assessment, pricing, quote and bind, with authority and compliance built into every step. A workbench assembles the work. mea executes it.
Run the whole stack on mea.
mea Full Stack runs the systems of record as well, across policy administration, claims and finance, for carriers ready to consolidate.
Underwriting
Dense, inconsistent submissions bog underwriters down before the first decision. mea reads and structures them, applies appetite and guidelines, routes the right opportunities and runs the assistant work around the decision.
Underwriters get cleaner work, more time on the risks worth writing and underwriting operations run at up to 60% lower operating cost on selected workflows.
Claims
Claims handlers rekey data, chase documents and carry inconsistent decisions. mea moves the operational claims work through connected systems, from intake through settlement.
Claims experts keep the cases needing judgment, intervention or customer care and get 30 to 50% of handler time back.
Finance
Finance teams close the month against legacy processes for booking, reconciliation and credit control. mea runs those workflows with consistency and full visibility.
Finance teams get faster closes and more capacity for analysis, control and commercial decision-making.
“Partnering with the experts at mea will help us strengthen our global input management, including how we ingest and classify submission and claims information, enabling our teams to spend more time on risk assessment, advice and service.”
Jens Hillmer, Global Head of Business Operations and Transformation, HDI Global
Built from insurance, all the way down.
mea OraSM is mea’s proprietary insurance AI, built on the industry’s only insurance domain-specific language modelSM and the industry’s only insurance knowledge graphSM. Together, they provide mea’s AI agents with the domain-context to understand insurance documents, terminology, rules and relationships so they can operate reliably and auditably on live, high-stakes insurance work.
No. mea Ingestion and mea Operations can work with the systems you already use. mea Underwriting can integrate with the existing policy administration environment. A broader platform path is available when replacement supports the business case.
No. Start with one clearly defined workflow. Prove the operating and commercial value. Expand when the opportunity is clear.
mea Underwriting Operations runs inside mea Underwriting. mea Operations is the execution layer that runs the back-office and supporting activity behind the underwriting decision environment.
mea reduces operational work, creates more consistent execution and returns capacity to expert teams. The impact can appear through operating cost, underwriting throughput, claims performance and decision quality. mea can model the opportunity against a defined workflow and book of business.
Cut the drag. Just win.