An AI mailbox for every program.
Every email opens a submission, sorted by type and checked against your guide.
For MGAs, programs and carrier submission desks
AI Underwriting
Assistant.
Broker submissions read, checked against your guide and ready to quote.
Bindable risks go to the desk that quotes first. The quote waits for your Send.
Packages from $499 a month. Carriers are Enterprise.
Your intake today
Three underwriting bottlenecks, crossed out.
Reading every attachment takes hours. Rules miss messy emails. Generic AI rarely shows its source.
Read every email by hand→Every email sorted as it landsRetype the submission into your rater→Rater inputs filled, each with its pageChase the broker twice for missing info→One ask for what is missing
What oyyo does for your desk
Ready before your underwriter opens the file.
Your rater and quoter, rebuilt by our team as AI-ready apps.
Rater inputs filled from the file, each with its source page. The quote waits for your Send.
Your endorsement library and subjectivities, kept current.
Each quote carries current wording. Subjectivity asks are drafted before bind.
Insured research on each risk.
Operations, press and class, each with its source.
AI context from your own book.
Similar submissions and broker history from your knowledge base.
A site for your brokers, or AI on your current one. Brokers check appetite and submit.
From one MGA
One MGA left about 200 submissions a quarter unanswered.
That was about $1.7M in premium.
Unanswered submissions, not an estimate of business won.
RevTech Labs Class 25Insurtech accelerator in Charlotte. - Who builds oyyo Andriy, CEO 22 years in software. He cares about each person’s productivity.Serhiy, CTO Designed the productivity engine for ops teams and their AI.
- No public AI trainingYour data never trains public AI models.
Inside a submission
What oyyo prepares on each submission.
Each submission leads with the verdict. Your underwriter decides.
For carrier submission desks
Intake, completeness, then the right underwriter.
One labelled sample submission, step by step. Each step shows its state, its age and who acts. Sample times.
1Intake
A submission opens
A broker email reaches your program's AI mailbox. The submission holds every file.
OpenedOn arrivalAge since arrival2 minStateNewoyyo prepares
2Completeness
Gaps listed once
Missing: the signed supplemental. One request to the retail agent is drafted.
RequestDraftedAge since arrival5 minStateNeeds infoA person sends the request
3Guide check
Eligibility and authority
Sample B: above this desk's authority. Referred for an underwriter's decision.
RuleYour guide p. 7StateReferoyyo prepares
4Refer
To the underwriter
Referred with the cited reason, to the underwriter your routing rules name.
Routing reasonLimit above desk authorityOwnerUnderwriter AAge since arrival1 h 40 minStateWith underwriterYour underwriter decides
This example ends at referral. Sample times. The journal records each step and who acted.We agree on referral and routing rules before live intake.
- Your underwriter decides.Every verdict cites the rule and the page.
- Your core system stays.oyyo works beside it. Your rating logic stays yours.
- Quotes keep your wording.Endorsements and subjectivities come from your program library.
Ask oyyo
Ask how oyyo fits your desk.
Answers come from oyyo's own pages. The quote waits for your Send.
Ask oyyo
Pick one, or type your own.
Hi. I'm Ask oyyo. Ask about your guide, your rater or your carrier desk.
Answers from oyyo's AI. General guidance, not advice for a specific risk.
AI readiness
Is your MGA AI ready?
Six questions, about a minute. The call comes with credit from $1,000.
Clear your submission inbox faster.
The quote waits for your Send.
Packages from $499 a month. Carriers are Enterprise.
Start with a card or an invite code. An invite code adds credit from $1,000. Packages and seats come with a card.
Placing risks as an agent or broker? See the broker desk.
For agents and brokers