hours saved for every new business proposal
policy check backlog cleared in first week alone
"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
the problem
Manual, time-intensive sales and servicing workflows were slowing 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.
M3 Insurance’s producers and client managers were spending significant time on repetitive, high-effort workflows like proposal generation and policy checking. These processes required detailed analysis, manual data entry, and often external support, creating bottlenecks in both sales velocity and servicing operations.
Proposal creation in particular was time-sensitive and labor-intensive, while policy checking had been outsourced, limiting control and slowing turnaround. The challenge was clear: increase efficiency without disrupting existing workflows or adding headcount.
the Solution
Embed AI into core workflows without changing how teams work
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.
With proposals live, M3 saw a significant advantage in new business efficiency. Fulcrum saved the team hours on every new business proposal—work that is typically highly time-sensitive and requires extensive analysis. The tool has quickly become a key driver for winning new business faster and allowing producers to focus on strategy instead of data entry.
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.
the REsults
Faster workflows, higher capacity, and measurable business impact
The M3–Fulcrum partnership shows how AI can amplify human expertise in brokerage operations—not replace it.
Hours saved on every proposal, accelerating new business cycles
400+ policy backlog processed in the first week of AI-driven policy checking
Faster turnaround times with improved accuracy and control
Increased capacity without adding headcount
More broadly, teams were able to focus on clients and strategy instead of manual tasks, leading to stronger engagement and direct revenue impact. The result was a step-function improvement in both sales velocity and operational efficiency.
“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
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