Stop-Loss Underwriting Platform

Every number is
someone's risk.

Threshold is the underwriting platform for managing general underwriters. Multi-carrier rating, census intelligence, and carrier compliance — built to the FSA standard.

Request a demo → See what's inside ↓
Platform Capabilities
The full underwriting
stack. One system.

From RFP intake to bound policy — every step your UW team takes, Threshold handles, tracks, and enforces.

📊
Multi-Carrier Rating
HealthMAPS-based rating engine with per-carrier factors, treaty enforcement, and WTW actuarial tables. Every factor, every time.
🔬
Census Intelligence
Automated census validation, data quality scoring, and enrollment normalization. Catch errors before the quote, not after the claim.
⚖️
Carrier Compliance
Every carrier guideline lives in the system. Spec premium thresholds, SIC triggers, attachment limits — flagged automatically on every case.
📋
Case Management
Full case lifecycle from logged to bound. Priority queuing, team pipelines, and per-underwriter workloads — visible at a glance.
📄
Proposal Generation
Carrier-ready proposals generated from the rating run. No reformatting, no copy-paste. The spec is the document.
🏦
Captive Accounting
PEPM billing, commission tracking, remittance management, and corridor calculations. The financials follow the case, not a separate spreadsheet.
📬
RFP Intake
Structured RFP processing from email and document upload. AI-assisted extraction routes to the right underwriter without a ticket system.
🗺️
Network Analytics
Geographic network penetration maps, carrier performance benchmarks, and executive reporting — without a BI tool bolted on the side.
🔒
Role-Gated Access
CUO, senior underwriter, underwriter, broker portal, carrier portal — each role sees exactly what they need and nothing they don't.
Built for MGUs
Not for brokers.
Not for carriers.
Not for everyone.

Threshold is underwriting software for managing general underwriters. The CUO configures it. The UW team runs it. Every business rule, every workflow, every limit — set by your operation, enforced by the platform.

  • Your subdomain, your logo, your brand — Threshold runs as your platform.
  • Onboard without filing a ticket. CUO configures treaty, guidelines, and workflow at setup.
  • New underwriter gets full institutional knowledge on day one — no tribal knowledge required.
  • When a veteran UW leaves, the guidelines stay.
What Threshold is not
Not a general insurance platform
Stop-loss only. Every table, every factor, every workflow is purpose-built for excess-of-loss stop-loss underwriting.
Not a carrier system
Built for MGUs who operate between brokers and carriers. Not for the carrier's internal systems.
Not a spreadsheet replacement
It's the thing after spreadsheets. The intelligence is embedded, not a macro you maintain.
Not a service business
You run it. No one at ForgeLine touches your data, processes your RFPs, or enters your census. The platform does it.
"

The standard is not "close enough." The standard is: what would a credentialed FSA reviewing this quote expect to see?

The Threshold standard — built into every rate, every table, every calculation
Your Brand. Our Platform.
MGUs buy Threshold.
Their clients see them.

Every Threshold instance runs under the MGU's own brand — their subdomain, their logo, their color palette. The platform is invisible. The MGU is the product.

Subdomain branding
Your MGU gets its own subdomain. Brokers, carriers, and internal UWs log in to your platform — not a shared SaaS URL.
yourfirm.thresholdsl.com
Full visual identity
Logo, primary color, accent color — set at onboarding and applied throughout the interface. Your operation, your look.
CUO configures at setup. No dev work required.
Role-scoped portals
Broker portal and carrier portal run on the same instance — each role sees a tailored surface under your brand.
Broker portal · Carrier portal · UW team · CUO
Data isolation
Each MGU's data is fully isolated. No cross-tenant visibility. Your groups, your treaties, your guidelines — private by design.
Multi-tenant architecture. Single-tenant privacy.
Get Started
Ready to see it in your operation?

Threshold is available to qualifying MGUs. Request a demo and we'll walk through the platform against your actual workflow.

Request a demo →