How ThreeFlow works for carriers: the better way to partner

A new era of benefits placement

Benefits placement is becoming increasingly complex and continues to evolve—in this ecosystem, efficiency and visibility are everything. That’s where ThreeFlow, the industry’s first Benefits Placement System (BPS), comes in. We designed it to transform the way brokers and carriers collaborate—bringing everything from quoting to negotiations to implementation into one shared platform.
With brokers increasingly adopting BPS platforms, carriers are facing a critical question: how do you stay ahead and maintain strong broker relationships? The answer is ThreeFlow.

Why should you consider a BPS like ThreeFlow?

Working the old way—through emails, spreadsheets, and fragmented communications—leaves you stuck in reactive mode. It creates headaches, lost opportunities, and inefficiencies. Carriers who embrace a BPS, on the other hand, shift power back—gaining control, consistency, and real-time insights enable them to compete more intelligently.

Here’s what happens if you stick with the status quo:

• Lack of certainty: Was your quote received? Did the value story you shared resonate?
• Zero control: You lose influence over how your quote is presented to clients.
• Limited visibility: Who are you competing against? Are you still in the running or already out of the conversation?
• Incomplete information: Chasing details wastes time and delays decisions.

How ThreeFlow helps carriers win

With ThreeFlow, carriers and brokers collaborate within one streamlined system, allowing visibility and control from new business to renewals. Here's how ThreeFlow benefits you:

• Gain control: Provide context directly within your quotes—add value propositions and comments to ensure brokers understand your offering.
• Consistent workflows: Every quote through ThreeFlow is structured and complete, reducing back-and-forth while helping brokers identify key selling points quickly.
• Empowered communication: Get notified when brokers engage with your quotes or make changes, giving you time to act strategically.
• Compete smarter: Use real-time insights to see which carriers you’re competing against, as well as if anyone has already been declined, allowing you to know where to focus your efforts.

What’s in it for you?

From renewals to new business to negotiations, ThreeFlow adds value at every step of the policy journey.

Renewals: align with broker workflows

We understand: Sending a renewal via email feels quick and easy. But on ThreeFlow, renewals are just as seamless—and you gain much more control.With features like smart renewals, ready renewals, and attach renewals, you can continue using your existing workflows while benefiting from ThreeFlow’s streamlined process.

Why submit renewals on ThreeFlow?

• Early renewals: Brokers can schedule renewals in advance, giving you time to adjust rates and bundle new coverage.
• Flexibility: Brokers can request renewals from you, or you can proactively send them via email.
• Real-time visibility: See who you’re competing against if your renewal goes to market.
• Direct connections: Integrated carriers can send renewals directly from their systems to ThreeFlow, reducing the need for time-consuming, manual steps.

New business: faster, smarter quotes

Gone are the days of manually entering RFPs. With smart proposals, carriers can upload proposal documents and let AI generate pre-filled quotes.

Why quote new business on ThreeFlow?

• Consistent RFPs: Brokers submit complete RFPs, so your underwriting team can respond without delays.
• More control: Confirm when your quotes and supporting documentation are received, ensuring timely conversations with brokers.
• Faster responses: Integrated carriers can send quotes directly from their systems, speeding up the process.

Analyze, negotiate, and present with confidence

The first quote rarely closes the deal—negotiations and presentations matter just as much. Without a shared system, tracking changes through email and disparate systems can be confusing and chaotic.

With ThreeFlow, you’ll:

• Be notified: Know when you’re a finalist so you can send your best offer in time for broker meetings.
• Own your value story: Strengthen your chances of winning by adding quotes and customized value propositions.
• Track changes: Ensure brokers are presenting the latest versions of your proposals, with clear visibility into edits and updates—as well as into the competition.

Decision, closure, and implementation

No more chasing down brokers for results. When brokers mark coverage as sold on ThreeFlow, you’re automatically notified of the win—or loss—and can see exactly which quote iteration was selected.ThreeFlow also simplifies implementation by processing updates in real-time. You’ll always have the most accurate terms at hand, avoiding costly plan or billing errors.

Unlocking market insights with ThreeFlow

Our most sought-after product, ThreeFlow Insights, gives carriers access to exclusive data that helps them grow their business. With real-time market data, you can:

• Identify brokers driving the most product lines and premiums.
• Track close ratios and invite ratios by broker.
• See who you’re winning and losing against to improve future proposals.

Automate workflows with ThreeFlow Connect

Ready to take things further? ThreeFlow Connect integrates with carrier systems to automate workflows from quotes to implementation. For carriers, this means:

• Instant opportunities: Receive and respond to new business quotes faster.
• Fewer errors: Send accurate policy data directly from ThreeFlow to your quoting and billing systems.
• Smarter operations: Focus on the right opportunities with minimal manual work.

The future of benefits placement is here

With increasing competition every day, inconsistent workflows, incomplete information, and limited visibility create unnecessary obstacles for carriers trying to win new business and retain existing clients. These challenges slow down processes, increase the risk of missed opportunities, and strain relationships with broker partners. But ThreeFlow offers a better way forward.

With ThreeFlow, carriers can deliver fast, consistent quotes that showcase their value propositions clearly and ensure brokers have the insights they need to make informed decisions. Collaborative communication is built into the platform, fostering stronger relationships between brokers and carriers by streamlining conversations and eliminating version control issues. Beyond efficiency, ThreeFlow provides valuable insights that help carriers plan smarter, identify growth opportunities, and continuously improve outcomes year after year.

The future of benefits placement isn’t just about keeping up—it’s about getting ahead. Don’t get left behind—embrace a more efficient, collaborative, and data-driven approach with ThreeFlow. Get started today.