Long-horizon agentic AI runs broker operations end to end.
The Layerup distribution agent intakes submissions from every broker channel, clears and routes them, chases completeness, supports bind and issuance, reconciles commissions, and runs producer onboarding — not a one-shot pass, but a continuous run that works uninterrupted for hours or days inside your existing systems.
One-shot agents answer. Long-horizon agents finish.
Most AI agents are one-shot: one prompt, one response, no memory, no obligation to finish. Layerup agents are long-horizon — each owns a workflow end to end and stays on it, uninterrupted, for hours or days until the work is done.
One prompt in, one output out. The run is over in seconds — whatever state the work is in.
One workflow worked continuously, for hours or days, until it is actually finished.
Stateless per call. Everything learned about the case is forgotten between steps.
Persistent working memory of the whole case — every document, finding, and decision carried forward.
Guesses or stalls when an input is incomplete. Someone has to notice and re-prompt.
Requests the missing document, follows up, waits for it to land, and resumes exactly where it left off.
Returns a response. Acting on it — updating the core system, moving the queue — is still human work.
Reads from and writes back to your systems of record throughout the run, every action logged for audit.
A label, a draft, a score — an input to someone else's work.
Finished, decision-ready work with rationale and citations attached, staged for human approval.
A one-shot agent can extract fields from a broker email. It can't clear the submission against the book, chase the missing loss runs over the following days, route the account to the right underwriter when it's complete, track it through bind and issuance, and reconcile the commission when the statement finally arrives. The long-horizon distribution agent works each submission until it's done.
From broker submission to bound, billed, and reconciled.
Every stage below is the same agent's continuous run, from intake to commission reconciliation. Distribution leaders and underwriters approve, supervise exceptions, and own broker relationships.
- 01Broker submission intake
- 02Clearance & appetite match
- 03Submission completeness
- 04Quote routing
- 05Bind & policy issuance
- 06Commission & comp admin
- 07Broker comms
Seven stages. A single continuous run.
Submission intake, clearance, completeness chase, appetite routing, bind support, commission reconciliation, producer onboarding — the same agent executes every stage below in one continuous run.
Submissions from every broker, every channel.
The distribution agent monitors broker mailboxes, agency portals, and uploads — classifying new business, renewals, endorsements, and quote requests and routing them to the right desk.
- 01Broker mailbox monitoring
- 02Portal and upload ingestion
- 03Submission type classification
- 04Producer and agency match
- 05Routing to the right underwriting desk
Clearance done in seconds, not days.
The agent runs clearance and duplicate detection across submissions — preventing broker disputes, surfacing existing accounts, and respecting first-in conventions.
- 01Named insured normalization
- 02Account history lookup
- 03Duplicate submission detection
- 04Existing account reconciliation
- 05First-in / appointed broker logic
Complete submissions, fewer broker pings.
The agent evaluates every submission against your completeness requirements and chases the missing pieces from the broker — politely, persistently, and on schedule.
- 01Completeness check per program
- 02Missing-info checklist generation
- 03Broker outreach drafting
- 04Follow-up scheduling and tracking
- 05Submission status visibility
In-appetite risks to the right desk, faster.
The agent applies your appetite and program criteria, routes in-appetite risks to the appropriate underwriting desk, and declines or refers out-of-appetite submissions with documented rationale.
- 01Appetite and program screening
- 02Class and segment classification
- 03Underwriter and desk routing
- 04Decline-with-reason drafting
- 05Referral package preparation
Bind requests and issuance, supported end to end.
The agent intakes bind requests, prepares binders and subjectivities lists, supports policy issuance, and notifies brokers as each milestone clears.
- 01Bind request intake
- 02Binder document preparation
- 03Subjectivity list and tracking
- 04Issuance write-back support
- 05Broker milestone notifications
Commission accuracy without the spreadsheet sprawl.
The agent reconciles commission statements, validates producer compensation against contracts, prepares adjustments, and surfaces exceptions for finance review.
- 01Commission statement ingestion
- 02Producer contract reconciliation
- 03Premium-to-commission validation
- 04Adjustment and chargeback prep
- 05Exception routing for finance
Onboarding, licensing, and appointment — handled.
The agent intakes producer onboarding requests, checks licensing and appointment status, prepares onboarding packets, and keeps appointments and lines of authority current.
- 01Onboarding request intake
- 02License and NPN verification
- 03Appointment status tracking
- 04Onboarding packet preparation
- 05Renewal and continuing education alerts
Move distribution work from doing to approving.
Deploy the distribution agent on one desk. Prove broker NPS and submission throughput improvements, then expand into bind, commission, and onboarding.