Plantogether Life Insurance Software: Managing Data, MGAs and MGUs

Plantogether's life insurance software centralizes policy administration, actuarial data, and claims information while providing built-in interfaces for managing relationships with Managing General Agents (MGAs) and Managing General Underwriters (MGUs). The platform stores all data in a secure, relational database, applies business rules for eligibility and underwriting, and generates real‑time reports that satisfy both carrier and regulator requirements.

Core Data Architecture

The system uses a modular schema that separates master data (policyholders, beneficiaries, products) from transaction data (premium payments, claims, endorsements). Each module enforces data integrity through foreign‑key constraints and validation routines, reducing duplicate entries and manual re‑keying.

Integration with MGAs

MGAs act as distribution partners that underwrite policies on behalf of carriers. Plantogether provides an API gateway that lets MGAs submit applications, receive underwriting decisions, and retrieve policy documents without exposing the carrier's internal systems. The API supports JSON and XML payloads, uses OAuth 2.0 for authentication, and logs every transaction for audit trails.

Integration with MGUs

MGUs specialize in underwriting specific risk classes. Plantogether's MGU module allows carriers to assign underwriting authority levels, set commission structures, and monitor loss ratios. Data flows from the MGU's underwriting engine into the core policy database via batch uploads or real‑time webhooks, ensuring that premium calculations and risk scores stay synchronized.

Key Benefits

• Single source of truth for all policy‑related data.
• Automated compliance checks for state and federal reporting.
• Scalable API architecture for third‑party agents, MGAs and MGUs.
• Real‑time analytics dashboards for loss monitoring and profitability.

Typical Workflow

1. An MGA submits a new application through the API.2. Plantogether validates the data against product rules.3. The request is routed to an authorized MGU for underwriting.4. The MGU returns a decision, which is stored in the policy record.5. The carrier issues the policy, and premium billing begins automatically.

Compliance and Security

All data is encrypted at rest and in transit using AES‑256 and TLS 1.2+. Role‑based access control limits user visibility to only the data needed for their function. The system also generates SOC‑2 and ISO‑27001‑compatible audit logs.

Comparison Table