- Define coverage
- Set product rules
- Approve intent
murmur01/10SLIDE
Turn insurance product knowledge into action.
PARTNER STORY · OCTOBER 2026
THE EXPERIENCE
We built an insurance company.
We lived the disconnect.
018 states as an MGA
Every launch moved product intent through filings, rating, underwriting and operations.
0237 states as a carrier
Becoming a carrier expanded Go’s footprint and the teams, systems and product knowledge we had to connect.
03Full-stack insurer
We learned what it takes to keep the filed product, operating reality and live book aligned.
Murmur was born from operating experience.
THE PROBLEM
Disconnected work
costs more than time.
TODAYFRAGMENTED
MURMUR
ONE CHANGE · THE FULL PATH
IDEA→
PRODUCT→
ACTUARIAL→
UNDERWRITING→
COMPLIANCE→
FILING→
ENGINEERING→
OPERATIONS→
LAUNCH
- Collect data
- Model expected loss
- Set rate indication
- Draft actuarial support
- Decide what to insure
- Set who qualifies
- Flag cases for review
- Set who can approve
- Map state rules
- Assemble filing
- Answer objections
- Secure approval
EMAIL
DOCUMENTS
APPROVALS
REPEATED WORK
Expert time · manual coordination · delayed opportunity
Every team recreates its part of the product change from scratch.
THE CONSEQUENCE
Nothing brings themarket signals back.So the product drifts.
INTENDED
FILED
RUNNING
PERFORMING
THE MURMUR APPROACH
The productat the center.
Evidence informs action.Results inform what’s next.
FILINGSFORMSRATESUNDERWRITINGPOLICY ADMINCLAIMSOPERATIONSPRICING
PRODUCT
ONE DEFINITIONSOURCE-BACKED · VERSIONED · GOVERNED
FILINGSFORMSRATESUNDERWRITINGPOLICY ADMINCLAIMSOPERATIONSPRICING
PRODUCT
EVIDENCE · DECISIONS · OUTCOMES
THE CATEGORY PATTERN
The best softwarecompanies becamethe center of gravity.
SPECIALIST AI
Specialist AI is becoming
part of professional work.
MEDICINE
OpenEvidence
Clinical answers
grounded in evidence
LEGAL
Harvey
Legal research
and workflows
TAX
Blue J
Tax research
and drafting
INSURANCE
Murmur
Insurance answers.
Connected to product execution.
WHO BUYS
One foundation.
Multiple teams.
INITIAL USERS
- Product Managers
- Underwriting
- Actuarial
BUDGET OWNERS
- Business Leaders
- Functional Leaders
PLATFORM EXPANSION
- Operations
- Engineering
- Claims
- Distribution
- Portfolio Leadership
THE COMMERCIAL MODEL
Start with a question.
Grow into the work.
- 01
FREE · LIMITED USAGE
Ask
Discover source-backed
insurance intelligence. - 02
PAID · INTELLIGENCE
Alerts + Study
Monitor what changes.
Understand what it means. - 03
PAID · PLATFORM EXPANSION
Build + Operate
Your products. Your book.
Your operating workflows.
The product finallyhas a system.
MurmurIQ.com© 2026 Murmur, Inc.