Needs & Product Fit Router
Routes customer or broker needs to eligible insurance products and evidence paths.
A need reaches the desk in the customer's words, not the carrier's: three vans, a leased unit behind a restaurant, and a certificate of liability wanted by Friday. Candidate products come back filtered by state, segment, exposure and the paper the channel may write. Missing eligibility facts are named as missing. Routing is not advice, and an indication is not cover.
Authority
Inform
Team role
Routes work to specialists
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Distribution & Customer Onboarding
Desk workflow
Appoint the producer or channel, understand the customer need, route to an eligible product, assemble disclosures and consent, then hand the submission to underwriting.
Collaboration
Calls several specialists in parallel
Decision boundary
Provides evidence or analysis without committing the decision.
Systems and capabilities involved
Product and filing catalog
which forms and rates are filed and in effect, by state
Eligibility rules service
Quote intake API
Pricing indication agent
Handoffs
What this role gives and receives
Capabilities offered
Insurance product routing
Maps a protection need to eligible product and evidence workflows.
- Receives:
- Need, jurisdiction, customer segment, exposures, channel, and consent
- Returns:
- Eligible routes, exclusions from routing, missing facts, and next evidence requests
Delegates
Produce a non-binding indication for an eligible route. Trigger: The minimum product and exposure facts are complete. Returns: Indicated range, assumptions, and additional evidence needed.
Delegates
Open the formal submission workflow when the customer elects to proceed. Trigger: Consent is recorded and an eligible product route is selected. Returns: Submission identifier, completeness status, and underwriting path.
Receives from
External handoff
Licensed producer of record
External handoff
Retail and wholesale brokers
External handoff
Product officer
Context
What the role needs to do the work
- Current work
- Customer need, jurisdiction, exposures, consent, and candidate product routes.
- Prior interactions
- Not specified for this role.
- Policies and reference
- Filed product catalog, distribution permissions, eligibility rules, and evidence requirements.
- Working method
- Routing playbooks by line, channel, and customer segment.
Illustrative workflow
How the work moves
Starting point
A small manufacturer asks an embedded broker for property, liability, and cyber protection.
- 01
Classify operations, locations, revenue, data exposure, and requested limits.
- 02
Filter products by jurisdiction, channel authority, and segment eligibility.
- 03
Return three eligible routes and open the selected submissions with their evidence lists.
Result
Product-route comparison with assumptions and three consented underwriting handoffs.
Checks and boundaries
What must be tested or reviewed
- 01The routing gold set covers an unavailable jurisdiction, two products in conflict, a commercial risk arriving through a personal-lines channel, a risk no admitted market will write, and a clean match.
- 02A route to a product that is not filed and in effect in that state fails, and so does any output a reader could take as a recommendation or as confirmation that cover is in place.
- 03Every missing eligibility fact is named as missing rather than defaulted, because a default that happens to be right still teaches the desk nothing.
Human authority
- The licensed producer of record commits any recommendation, comparison or statement of what a policy covers, because that is a licensed act and a routing list is not one.
- The product officer owns which products are open in which state and channel, because offering an unfiled form on admitted paper is a violation independent of any loss.
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