Why It Matters
The M3–Fulcrum partnership shows how AI can amplify human expertise in brokerage operations—not replace it.
Accelerating Core Workflows – Proposals, policy checks, and client prep now run faster, with fewer manual touchpoints.
Enabling Growth Without Extra Headcount – Teams gain hours back weekly to focus on clients, not paperwork.
Driving Adoption Through Flexibility – Fulcrum integrates with existing processes, minimizing disruption while maximizing efficiency.
The result: more capacity, faster turnaround, and stronger client engagement—translating directly to measurable revenue growth.
M3 Insurance is one of the largest independent agencies in the Midwest and a top 50 brokerage nationally—known for its deep industry expertise and commitment to innovation. Fulcrum first connected with M3 through BrokerTech Ventures (BTV), a leading accelerator co-founded by M3 CEO Mike Victorson, after Fulcrum joined the 2024 cohort.
From the beginning, the shared vision was clear: use AI to make producers and client managers more effective by automating time-consuming proposal, policy, and servicing workflows—without disrupting existing processes.
Transforming Proposal Creation
The partnership began with a full redesign of M3’s proposal generation process. Working closely with Fulcrum, M3 reimagined its proposals from the ground up— modernizing layout and coverage language, elevating brand presentation, and bringing consistency to both detail and design.
In the first month alone, M3 generated enough proposals through Fulcrum to save 500+ hours of manual work, freeing up teams to focus on client analysis instead of formatting.
“Being able to generate customized proposals within minutes has been a game changer. It’s eliminated manual entry, reduced errors, and improved consistency. Our client managers now spend time reviewing and analyzing quotes instead of transcribing them. Overall, Fulcrum’s responsiveness has been outstanding.”
— Amanda Spain, Operations Director
Bringing Policy Checking Back In-House
After success with proposals, M3 turned to Fulcrum to support policy checking—a workflow they had previously outsourced. The goal was to bring it back in-house without adding workload or disrupting team routines.
Fulcrum’s AI now supports the end-to-end policy checking flow, from document ingestion to comparison and validation, with minimal change for M3’s servicing teams. This shift has enabled tighter control, faster turnaround, and higher accuracy—while maintaining the same staffing model. In the first week, Fulcrum processed a backlog of over 400 policies that had yet to be reviewed.
“Lots of insurtechs try to automate proposals or policy checks, but few get the complex edge cases right. Fulcrum stood out with their willingness to pull forward elements of their product roadmap and their deep understanding of insurance processes. That’s what builds adoption and trust.”
— Amber Seitz, Lead Solutions Advisor
Next Step: Launching the Sales Assistant
With proposal generation and policy checking now running smoothly, M3 is expanding its use of Fulcrum into sales enablement – helping producers analyze coverage differences and prep for client meeting to reduce administrative overhead and accelerate deal cycles.
