Industries · Insurance
Every coverage answer has to match the filed policy form.
Broker RFPs, reinsurance DDQs, regulatory questionnaires and carrier vendor reviews all ask for the same facts. Tribble answers them from what your underwriting, compliance and security owners already approved, and sends only the new questions back to them.
- 2.1Provide your current AM Best financial strength rating. FinanceApproved answer, reused
- 3.4Describe your claims handling process for this line of business. ClaimsApproved answer, reused
- 4.2Is this product admitted in every state listed in Appendix B? ComplianceApproved answer, reused
- 5.6Describe how policyholder data is encrypted and who can access it. SecurityApproved answer, reused
- 6.3Describe changes to your underwriting guidelines for this class since last year. UnderwritingNew, sent to its owner
The documents brokers, reinsurers and regulators send.
Grouped by who owns the answer. Every one draws on the same approved policy forms, filings and controls.
| Document | What it asks for | Answer it with |
|---|---|---|
| Underwriting and product | ||
| Broker and employer RFPs | Coverage, plan design, claims service, pricing and implementation | RFP automation → |
| Renewal questionnaires | Coverage, service and claims changes since the last renewal | RFP automation → |
| Actuarial and reinsurance | ||
| Reinsurance DDQs | Loss experience, reserving, underwriting guidelines and claims handling | DDQ automation → |
| Delegated authority audits | Binding authority, underwriting controls and claims handling for MGAs | DDQ automation → |
| Compliance | ||
| Regulatory and market conduct questions | State licensing, filings, complaint handling and consumer protection | Proposal automation → |
| Security and vendor risk | ||
| Carrier vendor risk questionnaires | SIG, custom spreadsheets and questions built on NYDFS Part 500 | Security questionnaires → |
| Privacy reviews | Policyholder data handling, GLBA and state privacy rules | Security questionnaires → |
Three kinds of buyer, three kinds of review.
Brokers and benefits consultants
They run the RFP for the employer, then score every carrier on the same grid.
- They send
- Broker RFPs, employer questionnaires, renewal requests
- They check first
- Coverage, claims service, financial strength
Reinsurers and fronting carriers
They review an MGA or cedent’s underwriting and claims practice before they renew a treaty or delegate authority.
- They send
- Reinsurance DDQs, delegated authority audits, underwriting questionnaires
- They check first
- Loss experience, underwriting guidelines, claims controls
Carrier vendor risk teams
They hold every supplier to the same data security rules the carrier answers to.
- They send
- RFPs, vendor risk questionnaires, SIG
- They check first
- Data security, NYDFS Part 500 controls, core system integration
One question, start to finish.
What happens to a single question when a broker RFP lands.
The question
Is this coverage available on an admitted basis in every state listed? Note any state-specific exclusions or endorsements.
Example: broker RFP, section 4, owned by your compliance lead
- 01
It comes in
The RFP arrives as the broker’s spreadsheet or through their marketing portal. Tribble reads every question, including the ones split across state-by-state tabs.
- 02
Tribble drafts it
It matches the question to your approved filing summary and drafts the reply state by state.
Sourcestate filing summary. Owner: your compliance lead. - 03
Only what’s new gets reviewed
An endorsement was refiled in two states this year, so those lines go to compliance with the change marked. The rest go straight through.
- 04
It goes back in their format
The answers go back into the broker’s file, ready to submit.
What it looks like in Tribble Respond.
The same approved coverage answer on every broker call.
Tribble Engage gives account executives and underwriters the approved answer in Slack or Teams, with its source, so what they tell a broker matches the filed form.
Tribble Scribe records the call, drafts the follow-up and updates the CRM.
Example · Teams
@Tribble is cyber coverage included in our standard commercial package?
Not by default. Cyber is an optional endorsement on the standard package. The approved endorsement summary lists the limits by state.
Sourcecommercial package endorsement summary, approved by UnderwritingMapped to the frameworks insurance reviewers use.
- NAIC model lawsInsurance data security and market conduct standards
- NYDFS Part 500Cybersecurity rules for regulated insurers and their vendors
- State DOI requirementsLicensing, filings and complaint handling by state
- AM Best ratingsFinancial strength and credit rating questions
- SIG and SIG LiteShared Assessments vendor risk questionnaires
- SOC 2 Type IITrust services criteria and the report itself
Tribble answers from your own evidence for each framework. Tribble itself is SOC 2 Type II compliant.
It learns from the tools your team already uses.
Policy forms and filings in SharePoint, past RFPs and DDQs in Google Drive, underwriting guidelines in Confluence, broker and account notes in Salesforce. Tribble connects to them and keeps each one’s permissions.
Why general-purpose AI isn’t enough for insurance RFPs.
| Compare | Generic AI | Tribble |
|---|---|---|
| Answers from | Public training data | Your approved policy forms, filings and past responses |
| Coverage claims | Can describe coverage you don’t write | Tied to the filed form and its owner |
| State-specific answers | One answer for every state | The approved answer for each state |
| When a filing changes | Nothing updates | Update it once and the next response uses it |
| Review | Compliance checks everything | Only new or changed answers go to their owner |
| Audit trail | None | Who approved each answer, and when |
Proof from a team doing the same work.
Customer story ยท Healthcare benefits
How Rightway put expert hours back into member care
“I put this in Tribble, and within like five minutes, I had a beautiful response.”Sales manager, Rightway, as relayed by Gabrielle Rahn Read the Rightway story →
Rightway isn’t an insurance company, but as a healthcare benefits partner its proposal team answers more than 500 bids a year, where being wrong isn’t an option.
Rated by the teams that use it.
Fall 2026, across RFP, AI Sales Assistant, AI Meeting Assistants, AI Proposal Generator Tools and Sales Analytics. Read the reviews on G2 →
FAQ
Common questions.
Can Tribble answer reinsurance DDQs?
Yes. It drafts answers from your approved actuarial summaries, underwriting guidelines and past DDQs, and shows the source for each one. Anything that changed since your last submission goes to its actuarial or underwriting owner.
How does Tribble handle state-specific answers?
Answers can be approved for one state or for all of them. When a question covers several states with different rules, Tribble uses the approved answer for each state and routes anything it can’t support to the right expert on your compliance team.
Does Tribble need policyholder data?
No. Tribble works from your policy forms, filings, underwriting guidelines, security documentation and past responses. Each source keeps the permissions it already had, so people only see what they’re allowed to see.
Does Tribble answer carrier vendor risk questionnaires?
Yes. Security questionnaires, including questions built on NYDFS Part 500, draw on your approved security documentation, and anything new goes to your security lead. Tribble itself is SOC 2 Type II compliant.
How is this different from the RFP library we already have?
A library stores answers. It can’t tell which ones still match your current filings. Tribble tracks the source, owner and version of every answer, and routes anything it can’t support to the right expert.
Bring a real broker RFP.
Send a redacted RFP, reinsurance DDQ or carrier vendor questionnaire. We’ll answer it from your own material on the call, and show you which questions would go to underwriting and compliance.
Book a working session