Solved Re
The products and managing general agency business of Solved Ventures. This is the part of the company that designs the product, decides which cases belong in it, structures the risk behind it, and answers for it later.
What a managing general agency is
A term that is either obvious or opaque depending on which side of the industry you sit on, so here it is in plain terms.
An insurance carrier can delegate authority. It can appoint a business to underwrite a defined class of policies within agreed guidelines, to appoint and manage the agents who sell them, and to administer the policies after they are issued. That business is a managing general agency.
The carrier is still the insurer. The MGA is the operator. It designs the product, defines which cases belong in it, runs the distribution, and services the book. An MGA is only worth appointing where it does those jobs better than the carrier would do them itself, which is a useful test to apply to any MGA, including this one.
Solved Re Inc. is that business inside Solved Ventures. It owns the product work for Solved Insurance: the design, the underwriting method, the filings, the distribution relationships, and the servicing and claims experience that follows. It is the company the other five exist to feed.
Solved Insurance products are in development and pending state approval. Nothing on this page is an offer of insurance, no coverage is available for purchase, and we name no carrier, reinsurer, or rating agency and publish no capital figure or financial strength rating for a product a regulator has not finished reviewing. Join the waitlist to hear when coverage opens in your state.
Who holds the risk, and why you are right to ask
A life insurance policy is a promise that has to be good in thirty years. Asking who is making it is not rude, it is the whole question.
The carrier is the insurer
The insurance risk on a policy sits with the issuing carrier and the reinsurance arranged behind it. It does not sit with the agency that sold the policy, and it does not sit with the agent at the kitchen table.
So the right question from a buyer is who issues the policy and who stands behind the promise. Anyone selling you insurance should be able to answer that in one sentence, and should not be annoyed you asked.
What we will and will not say today
We will say that Solved Re Inc. is the products and managing general agency business, that it operates inside Solved Ventures, and that the products are in development and pending state approval.
We will not name a carrier, a reinsurer, or a rating agency, publish a capital figure, or claim a financial strength rating. Those statements are only meaningful attached to an approved product, and making them early is how a buyer ends up misled by a website.
Why an MGA structure at all. Because the parts of this business that are worth owning are underwriting judgment, distribution, and servicing, and those are exactly the parts an MGA operates. Building the balance sheet of a life insurer from scratch is a different undertaking with a different clock. Starting as the operator lets the product, the underwriting method, and the field force be proven on real policies first, which is the sequence a regulator, a carrier, and a reinsurance partner all prefer anyway.
Reinsurance is part of the design, not an afterthought
Risk that is structured deliberately is a plan. Risk that accumulates while nobody is watching is an accident with paperwork.
Decided before the first policy, not after the first surprise
How much of each policy is retained and how much is shared is a design decision that belongs at the beginning. It shapes what can be offered, to whom, and at what price, which means it has to be settled before a product is filed rather than renegotiated after a book is on the ground.
Concentration is the thing to avoid
A young book is small, and a small book is easy to concentrate without meaning to: too much of one profile, one geography, or one distribution channel. Structuring the risk from the start is how that gets caught on a design document instead of in an unpleasant quarter.
Selective underwriting is what makes the structure work
No risk arrangement compensates for writing business that should not have been written. Comparative underwriting exists partly for this reason: it declines what does not fit and routes it somewhere it does, which keeps the pool honest for the policyholders who are in it. How underwriting works.
Partners judge the operator, not the pitch
A reinsurance relationship is built on underwriting discipline, data quality, and persistency, all demonstrated over time. That is an argument made with a book rather than a deck, which is another reason to start small and be able to show the work.
Discipline over volume
A book that lapses is worse than a book that was never written. That sentence is the operating stance, and it costs something to mean it.
Everybody loses on a lapse
The acquisition cost was already spent. The commission was advanced and then clawed back. The policyholder paid premiums for months and has no coverage to show for it. And the family who was supposed to be protected is not. There is no version of that outcome where somebody won.
Persistency is the measure
Not applications taken, not policies issued in a month, not a production leaderboard. Whether the policies written are still in force a year and two years later is the number that says whether the product was sold to the right person at a payment they could actually carry.
Turning business down is part of the job
Selective underwriting means declining cases that do not fit and routing them to a product that does. That is a smaller book than the alternative, on purpose. It is also the only way pricing can stay honest for the people who are in the pool.
A payment the household can carry
Most lapses are not buyer's remorse. They are a premium that never fit the budget it came from. A conversation that starts with what a household can pay each month produces a policy that survives, which is worth more to everyone than a bigger one that does not.
Servicing is retention
A payment option offered before a lapse notice keeps more policies in force than any amount of persistency reporting after the fact. That is why servicing is staffed as part of the product rather than treated as a cost center attached to it.
The field is part of the underwriting
An agent who only presents what a client qualifies for writes business that sticks. That is why agents contract through Solved Solutions and sell on the same stack the product is built on, rather than being handed a rate sheet and wished luck. For agents.
Methodical expansion
One product, then one state at a time. Not because it is cautious by temperament, but because that is how the approvals actually work.
| One product first | Simplified issue final expense whole life. A real need, a manageable risk profile for a new book, and the line this team has personally sold. Proving the underwriting on business we understand is worth more than a catalog nobody has tested. |
|---|---|
| One state at a time | There is no national approval. Each state department of insurance reviews what is filed with it, on its own schedule. Filings are sequential, and the work in one informs the next. |
| No published dates | We will not put a launch date on something a regulator controls, and we will not publish a list of states as though coverage were available in them. See the roadmap. |
| Distribution before the product | Agent contracting runs through Solved Solutions and is open ahead of approval, so a state that opens has a licensed field force already in place rather than a recruiting problem. |
| Then the next line | Additional life lines on the same comparative underwriting core, then senior market products. Both planned, neither dated, and both sequenced behind servicing the first book well. |
Insurance moves at the speed of regulators. Planning around that is not patience as a virtue, it is arithmetic.
Where Solved Re sits in the group
Five companies acquire, carry, quote, and contract. This one holds the product at the end of the chain.
- Solved Marketing. Owned lead acquisition, generated in house rather than bought from an aggregator, which removes a margin that otherwise ends up in the premium.
- Solved Telephony. The carrier interconnects and voice infrastructure the conversations run on, operating with customers inside and outside the group.
- AgentTech Dialer. The dialer, CRM, and compliance tooling agents work in, in production today.
- Solved Enroll. Multi-product quoting and enrollment, in private beta, and the home of the AI Plan Recommender that runs on the same underwriting core.
- Solved Solutions. The FMO that contracts and appoints the agents who will write these products when states open.
- Solved Re Inc. The products and MGA business. Product design, underwriting method, filings, servicing, and claims. In development, pending state approval.
Owning every step is what makes it possible to take cost out of the process instead of out of the coverage. More about the company
Read further
For agents
Contracting through Solved Solutions and what the selling experience is built to do.
ExploreHow underwriting works
The comparative method, and why selectivity and persistency are one argument.
ExploreProducts and roadmap
What is in development, what is planned, and why there are no dates.
ExploreHow it works
The consumer experience the whole structure exists to deliver.
ExploreFAQs
Questions about Solved Re
What is a managing general agency?
An MGA is an insurance business that an insurance carrier delegates specific authority to, most often underwriting a defined class of business within agreed guidelines, appointing and managing distribution, and administering policies after they are issued. The carrier remains the insurer. The MGA is the operator: it designs the product, decides which cases fit it, runs the field force, and services the book. Where an MGA is worth something to a carrier is precisely where it does those jobs better than the carrier would.
Who actually holds the risk on a policy?
The issuing insurance carrier, together with the reinsurance behind it. Not the agency that sold it to you and not the agent who sat at your table. That is worth understanding as a buyer, because the promise you are relying on decades from now is the carrier's promise. We will name the parties on a product when there is an approved product to name them on, and not before.
How does reinsurance fit into this?
It is part of the structure from the beginning rather than something bought later to fix a problem. Reinsurance decides how much of each policy stays with the issuing carrier and how much is shared, which is what keeps a young book from being concentrated in a way nobody intended. Designing that arrangement up front is one of the reasons the entity is called Solved Re.
Why will you not name your partners or publish a rating?
Because the products are in development and pending state approval, and naming counterparties or claiming a financial strength rating before there is an approved product would be misleading. We do not publish capital figures, we do not claim a rating from any rating agency, and we do not name a reinsurer or carrier on a marketing page. When there is something accurate and approved to say, we will say it plainly.
What does discipline over volume mean in practice?
It means turning down business. A book that lapses is worse than a book that was never written, because the acquisition cost was spent, the commission was paid and then clawed back, the policyholder paid premiums for coverage they no longer have, and the family is left with nothing. So persistency is the measure we manage to, rather than applications submitted or policies issued in a month.
How does Solved Re relate to the rest of the group?
It is the last step in a chain that starts with a lead. Solved Marketing generates demand in house, Solved Telephony and AgentTech Dialer carry and manage the conversation, Solved Enroll quotes and enrolls, Solved Solutions contracts the agents, and Solved Re holds the products those agents sell. Owning every step is what makes it possible to take cost out of the process instead of out of the coverage.
Something else? Contact us
Agents, carriers, and reinsurance partners
Products are in development and pending state approval. If you want to talk about distribution or partnership before then, get in touch.