2025 Federato State of Underwriting Report
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Underwriters are under pressure to adapt to a fast-changing insurance landscape, but outdated processes and lack of real-time visibility into the portfolio are costing them valuable time - and leaving profitable deals on the table.

We surveyed 500 underwriters and executives across carriers, MGAs, and aggregators to understand what’s driving the inefficiency and where organizations are falling behind.

1 in 4
submissions are a waste of time
Percentage of submissions reviewed that are outside portfolio appetite
Less than 10%
1%
11-20%
27%
21-30%
53%
31-50%
17%
More than 50%
1%
73%
of underwriters struggle with portfolio visibility
33%
of underwriters say they lack the tools to prioritize effectively
53%
of respondents cite failure to adopt modern tech as the #1 missed opportunity

Download the full report to learn:

Why over a quarter of underwriting effort is spent on unwinnable deals

How misaligned submissions impact reinsurance costs and win rates

What gaps in data, tools, and portfolio visibility are costing you

How underwriting teams are using AI to outperform their competition

Get the full report today to learn more about the current state of underwriting.