MetaMGU
Rent-a-carrier model. Delegated authority, capacity allocation, and underwriting governance — turning insurance capacity into a marketplace.
PolicyProgram
Program governance — authority limits, underwriting guidelines, risk appetite parameters, and compliance rules.
PolicyReinsure
Reinsurance structuring — treaty placement, facultative arrangements, and capacity layering across carriers.
PolicyCaptive
Captive integration — retained risk layers, loss fund management, and alternative risk transfer structures.
BindDesk
Binding authority — delegated underwriting within approved limits, real-time binding, and carrier compliance.
Where MetaMGA asks "how do I sell this?", MetaMGU asks "who will underwrite this?" It's the capacity side — sourcing underwriting paper from carriers, structuring reinsurance, managing delegated authority, and ensuring every bound policy is within approved guidelines. The rent-a-carrier model turns insurance capacity into a composable resource.
Carrier provides underwriting capacity and authority limits
MetaMGU structures the program via PolicyProgram governance
PolicyReinsure arranges treaty and facultative protection
PolicyCaptive manages retained risk layers if applicable
BindDesk executes binding within delegated authority
MetaMGU reports production, loss ratios, and compliance to carriers