Foundation
Focused, clearly scoped support.
Best when the team needs one specific work product, a targeted review, or a practical first engagement.
Services
Three Service Areas. One Clearer Way to Grow.
Apto’s services are organized around the work insurance teams actually need done, not around complicated consulting categories. Whether you are an MGA, carrier, or captive, the work usually falls into three areas: product development, analytics, and reserving.
MGAs
Carriers
Captives
Engagement Tiers
Foundation, Growth, Partner
Each service area uses the same three-tier structure so companies can quickly understand the difference between focused execution, strategy plus execution, and a deeper advisory relationship.
Growth
Strategy plus execution.
Best when the team needs Apto involved earlier in the process, with more structure, planning, and delivery support.
Partner
Senior support across the full process.
Best when the team needs priority access, ongoing advisory, and one partner connected to the larger business outcome.
Product Development
Move From Product Idea to Filing and Implementation Faster
Product development packages are built for teams that need actuarial expertise, filing execution, and practical operating experience connected in one process. The higher tiers create more speed and efficiency by keeping strategy, filing work, and implementation support aligned.
Foundation
Filings Only
Choose Foundation if you already know what needs to be filed and need experienced execution.
- Focused filing project
- Regulatory support documentation
- Reduced-cost first filing project available
Growth
Strategy + Filings
Choose Growth if you need support shaping the product before it reaches the filing stage.
- Product development strategy
- Product creation and filing work
- Speed-to-market planning
Partner
Full Development Partner
Choose Partner if speed, implementation support, and priority access matter for the launch.
- Strategy, filings, and implementation support
- Priority execution for time-sensitive work
- One partner across the full process
| Product development support | Foundation | Growth | Partner |
|---|---|---|---|
| Rate, rule, or form filing execution | ✓ | ✓ | ✓ |
| Regulatory support documentation | ✓ | ✓ | ✓ |
| Product development strategy | — | ✓ | ✓ |
| Product creation and refinement | — | ✓ | ✓ |
| Speed-to-market planning | — | ✓ | ✓ |
| System implementation support | — | — | ✓ |
| Priority execution access | — | Optional | ✓ |
| Best first engagement | Reduced-cost filing project | Product strategy and filing plan | Launch roadmap and implementation plan |
Analytics
Turn Reporting and Business Data Into Clearer Decisions
Analytics brings reporting, dashboard design, reinsurance support, and fronting carrier submission work into one clearer service area, so teams can see how the support scales from a focused report to broader decision support.
Foundation
Ad Hoc Analytics
Choose Foundation if you need one specific report, bordereaux deliverable, or feasibility-style analysis.
- Specific reports or bordereaux needs
- Focused analysis for a defined question
- Discounted delivery of one specific report
Growth
Dashboards + Strategy
Choose Growth if you need repeatable reporting, Power BI dashboards, and a stronger data foundation.
- Power BI dashboard design
- Analytics strategy and report design
- Database and reporting structure
Partner
Data Expert Partner
Choose Partner if your data needs to support carrier, reinsurance, or executive-level decisions.
- Everything in the lower tiers
- Reinsurance and carrier submission support
- Data support for contract negotiations
| Analytics support | Foundation | Growth | Partner |
|---|---|---|---|
| Ad hoc analytics or specific report delivery | ✓ | ✓ | ✓ |
| Bordereaux reporting support | ✓ | ✓ | ✓ |
| Captive feasibility study or focused analysis | When relevant | ✓ | ✓ |
| Power BI dashboard design | — | ✓ | ✓ |
| Analytics strategy across multiple reports | — | ✓ | ✓ |
| Database and reporting structure | — | ✓ | ✓ |
| Reinsurance submission package support | — | — | ✓ |
| Fronting carrier submission package support | — | — | ✓ |
| Data support for carrier or reinsurance negotiations | — | — | ✓ |
| Best first engagement | Discounted specific report | Dashboard roadmap and build plan | Submission readiness review |
Reserving
Independent Reserve Insight for Compliance and Business Strategy
Reserving packages give MGAs, carriers, and captives the right level of reserve support for their stage. Some teams need an independent reserve study without a Statement of Actuarial Opinion. Others need an appointed actuary, annual SAO support, or quarterly advisory that connects reserving strategy to claims execution.
Foundation
Reserve Study Without SAO
Choose Foundation if you need an independent reserve report, often for MGA discussions with a carrier.
- MGA reserve report without SAO
- Independent IBNR view
- Discounted reserve study without SAO
Growth
Appointed Actuary + SAO
Choose Growth if the business needs an annual Statement of Actuarial Opinion for a carrier or captive.
- Annual reserve analysis
- Appointed actuary support
- Statement of Actuarial Opinion
Partner
Quarterly Reserve Advisory
Choose Partner if reserving needs to become a recurring strategic conversation, not just an annual compliance item.
- Quarterly reserve strategy
- Claims-team education
- Ongoing advisory on reserving adequacy
| Reserving support | Foundation | Growth | Partner |
|---|---|---|---|
| MGA reserve report without SAO | ✓ | ✓ | ✓ |
| Independent IBNR view for carrier discussions | ✓ | ✓ | ✓ |
| Annual reserve analysis | Focused | ✓ | ✓ |
| Appointed actuary support | — | ✓ | ✓ |
| Statement of Actuarial Opinion | — | ✓ | ✓ |
| Quarterly reserve advisory | — | — | ✓ |
| Claims-team education on reserve strategy | — | — | ✓ |
| Best first engagement | Discounted reserve study without SAO | Annual SAO engagement | Reserve strategy review |
How to Choose
Start With the Business Need
Apto helps companies choose the right starting point by first identifying what they need to launch, monitor, explain, or reserve. The service areas stay simple, while the tier level flexes based on how much strategy, execution, and ongoing support the business needs.
Need help launching or filing a product?
Start with Product Development.
Need reporting, dashboards, submissions, or data support?
Start with Analytics.
Need reserve analysis, SAO support, or reserve strategy?
Start with Reserving.
Not Sure Where to Start?
Start With a Conversation, Not a Contract
Tell us what you are trying to build, launch, monitor, or reserve. Apto will recommend the right service area, the right tier, and the right first engagement.