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MGA Academy

The Flywheel

Model the economics · test assumptions, never mistake a slider for an actuarial result

Pull the levers

The hypothesis is a chain: evidence that is relevant, attributable, and validated may improve authorized selection or controls; those decisions may change losses. A combined ratio below 100% is an underwriting-margin signal before investment income—not proof that evidence caused the result. Credibility, expenses, capital, wording, mix shift, and adverse selection still matter.

Illustrative sensitivity only. It is not a rate, filing, actuarial indication, coverage term, capacity commitment, or forecast.

The six spokes

This is the same engine as the wiki's flywheel diagram. Master underwriting and the Glacis strategy to spin it faster for real.