- What it does: Appulate sits on both sides of a commercial submission. For carriers, MGAs and wholesalers, it takes in applications, ACORD forms, supplementals, loss runs, spreadsheets and SOVs by email, upload, portal or API, extracts the data, flags missing or inconsistent answers and delivers structured XML or JSON into underwriting, rating and policy systems. For retail agents, it offers a submission platform that reuses ACORD data to send one submission to several markets, plus loss run requests and insured questionnaires. Its site says it has automated insurance workflows since 2005, and it names preconfigured integration options for Guidewire, Insurity, Expert Insured, TRUE and AIM.
- Best for: MGAs, wholesalers and carriers that receive submissions from retail agents and want them complete and structured before an underwriter opens them, including follow-up to the agent for missing answers.
- Not a fit for: Teams that want published security certifications up front or a general-purpose document extraction API.
- Pricing: Not published
Documents and data it handles
- ACORD forms
- Supplemental applications
- Loss runs
- Statements of values (SOVs)
- Spreadsheets
- Policy documents
- Claims forms
Key capabilities
- Intake by email, upload, portal or API
- Forms AI extraction from ACORDs, supplementals, loss runs and SOVs, including handwritten PDFs
- Missing-information detection and consistency flags before submissions reach underwriters
- Automated follow-up questionnaires sent to agents
- Enrichment from approved outside sources and a combined underwriting view
- Structured XML or JSON delivered to underwriting, rating and policy administration systems
- Agent-side platform for sending one submission to several carriers and MGAs
- Works from both ends of the submission, so the same data can flow from agent to wholesaler to carrier
- Flags missing answers and sends follow-up questionnaires to the agent rather than leaving gaps for the underwriter
- Named integration options for Guidewire, Insurity, Expert Insured, TRUE and AIM
- No security certifications are named on its product pages; ask for a SOC 2 report
- Prices are not published
- Results quoted on its site (under 60 seconds per submission, 78% less preparation time) come from an unnamed customer
Pricing
Appulate describes usage-based pricing and a pilot on its forms ingestion page but lists no prices. Agencies can sign up free from its agent page.
Where it fits
- An MGA turning emailed agent submissions into structured data for its policy system
- A wholesaler sending one collected submission to several carriers and MGAs
- A carrier chasing missing application answers from agents before underwriting review
Our assessment
A good fit for MGAs and wholesalers whose submissions come from retail agents, because it handles collection and follow-up as well as extraction. Ask for security documentation early.
How does Appulate compare with alternatives?
Closest alternatives: FurtherAI, Cytora, Indico Data, Kalepa, Sixfold. All Appulate alternatives side by side →
Common questions
How much does Appulate cost?
Appulate does not publish pricing; it is quoted by sales. Appulate describes usage-based pricing and a pilot on its forms ingestion page but lists no prices. Agencies can sign up free from its agent page.
Who is Appulate best for?
MGAs, wholesalers and carriers that receive submissions from retail agents and want them complete and structured before an underwriter opens them, including follow-up to the agent for missing answers. It is a weaker fit for teams that want published security certifications up front or a general-purpose document extraction API.
Is Appulate SOC 2 compliant?
We could not confirm a SOC 2 report for Appulate. Deployment: Cloud; no certifications listed on its product pages.
What are the best Appulate alternatives?
The closest alternatives to Appulate we track are FurtherAI, Cytora, Indico Data, Kalepa and Sixfold. See our Appulate alternatives page for a side-by-side.