In this episode of the Power Producers Podcast, David Carothers talks with Sivan Iram from Flow Specialty. They discuss Flow Specialty’s innovative approach to using AI in insurance to enhance wholesale relationships, improve underwriting response times, and reduce operational friction for agents. Flow Specialty combines human expertise with AI-driven tools to speed up quote turnaround and improve accuracy without requiring agents to use portals. Sivan highlights that Flow’s AI is an internal tool supporting brokers rather than replacing them, positioning the company as a "caddy" for agents. Flow’s AI manages various tasks, such as analyzing quotes, market insights, and carrier communications. This combination allows agents to handle complex insurance transactions efficiently and frees up time to focus on larger accounts.

Key Points:

Introduction to Sivan Iram and Flow

David Carothers introduces Sivan Iram from Flow, highlighting producer challenges with traditional wholesalers. Sivan shares his transition from software to innovating traditional industries. Founded three and a half years ago, Flow provides enterprise-level service to mid-market and small commercial spaces, addressing inefficiencies like slow responses and lack of expertise through AI.  

Flow's Approach to Wholesale Efficiency  

Flow uses algorithmic underwriting and API integrations for faster turnaround. Acting as a "quarterback," Flow manages submissions and automates tasks traditionally done by retailers. Unlike wholesalers, Flow takes full ownership of the process.  

User Experience with Flow  

Sivan explains Flow’s AI agents offer speed, expertise, and tailored insights for brokers. These agents analyze quotes, compare options, and communicate with carriers, enhancing brokers' work without replacing them.  

Addressing AI Concerns  

David compares AI to a golf caddy, supporting rather than replacing people. Sivan agrees, noting that Flow reduces portal fatigue while keeping human oversight. Agents appreciate AI's ability to deliver faster, better service without compromising expertise.  

Growth and Future of Flow  

Flow is growing rapidly, tripling revenue monthly and signing 60+ agencies. With a strong carrier network and investments in technology, Flow balances human expertise with AI-driven insights, providing unmatched market value.  

Conclusion and Call to Action  

David encourages listeners to try Flow and highlights its potential to transform wholesale markets. Sivan provides contact information and reassures agencies about the ease of working with Flow. Both express excitement for Flow's future.  

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