Case Study: MERIT Insurance Grows Revenue Using Pathwork
Pathwork’s AI Underwriter has allowed MERIT to grow revenue by taking on more cases, even the most difficult
With Pathwork’s rapid, personalized underwriting analysis, a best-fit carrier is identified in minutes – even those with complex risk profiles. This has transformed how MERIT operates, allowing them to process more cases as well as expand the types of cases they can take on.
About MERIT Insurance Services
MERIT Insurance Services, part of Integrity Marketing Group, is an independent brokerage general agency (BGA) specializing in life insurance, long-term care insurance, fixed annuities, disability insurance, and senior benefits. MERIT supports insurance professionals, financial planners, and investment advisors by delivering top-tier carriers, underwriting solutions, and products tailored to client needs.
MERIT was looking for a solution that could boost their efficiency, allowing the team to take on more cases with existing resources. By implementing Pathwork’s AI Underwriter, MERIT improved both application conversion and placement rates, while making it easy to handle more complex cases.
Growing Case Volume with Faster, Smarter Underwriting
Pathwork’s AI Underwriter has transformed how MERIT’s advisors do business, increasing application conversion rate as well as placement rate. MERIT advisors can provide client health information or upload a medical record then the tool searches for the best possible coverage across all major carriers. With less back and forth with carriers to understand requirements, the time it takes to place an application is reduced from days to minutes.
On the back end, Pathwork’s tool helps advisors close the deal. By providing detailed comparisons across carriers, it’s easier for advisors to assure clients that they’re getting the best possible rate. Information is packaged up in an easy format to share with all parties.
“Pathwork makes placing business easier, faster, and more profitable. We’ve gone from placement taking 3-5 days to 3-5 minutes.”
— Addison Rosenbluth
Increased Confidence Handling Impaired Risk Cases
By automating carrier comparisons and analyzing multiple health factors instantly, Pathwork empowers advisors to take on challenging cases with confidence. Pre-qualifying takes seconds, not hours—so advisors can screen more applications and uncover more opportunities.
“With Pathwork, we can say ‘yes’ to more cases. We tell our customers, ‘Let us look at every case you have—don’t assume it’s an automatic decline.’”
— Addison Rosenbluth, Vice President at MERIT Insurance Services
Key Features Powering Growth:
Pathwork’s AI Underwriter equips agents with the tools they need to act fast and deliver results:
Instant Underwriting Answers: Advisors can get precise answers to underwriting questions in real-time—no need to comb through dense carrier guidelines.
Best-Fit Carrier Identification: After inputting client information or uploading medical records, the tool determines the most suitable carrier, reducing redundant applications.
Comorbidity Consideration: Evaluates multiple health risks to ensure clients receive the most accurate and favorable coverage.
Clear Carrier Summaries: Delivers a concise, easy-to-share overview of likely coverage outcomes—ideal for transparent client communication.
APS Summary: Synthesizes medical records into a one-page summary for underwriters, expediting submissions and improving rate class accuracy.
With Pathwork, MERIT is transforming the underwriting process—empowering advisors to move quickly and with confidence, increasing overall revenue, and helping more clients get the coverage they deserve.