Underwrite evidence, not testimony.
Small-business renewal answers are increasingly drafted by the insured's MSP, often with AI, and the review leaves no trace. We are asking you to review a record format that binds each answer to its evidence, the AI model that drafted it, the named human reviewer and the client's decision. No fee is tied to any record or policy.
A record behind every renewal answer, for you to shape.
Renewal answers are assembled from memory, increasingly drafted by AI, and signed by an officer who can't show how they were produced.
Each answer bound to its evidence, the AI model and version that drafted it, the named reviewer and the client's decision, re-verified every quarter.
- Evidence instead of testimony
- A visible human review
- Answers mapped to your own application
- Early input into the format
The carrier underwrites answers assembled from memory.
- The officer who signs is attesting to answers someone else assembled.
- AI-drafted answers are arriving with no note of what drafted them.
- Nothing is re-checked between one renewal and the next.
- When a claim tests an answer, there is no record of how it was produced.
Five things bound to one answer.
This is the format we are asking you to review. The record is built and switches on with founding MSPs.
- Question
- Is MFA enforced for all remote and administrative access?
- Answer
- Yes, for all 3 admin accounts and remote access 1
- Evidence
- Identity policy export, attached Self-reported plus external sign-in check Measured2
- Drafted by
- AI model and version recorded with the draft 3
- Reviewed by
- Named reviewer at the MSP, 2 Dec 2026, 14:05 4
- Decision
- Client accepted 5
- Re-check
- Next re-verification 2 Mar 2027
- The answer to the specific application question.
- The evidence, marked measured by the scan or reported by the client.
- The AI model and version that drafted it.
- The named reviewer and the time they reviewed it.
- The client's decision, with the next re-verification date.
Illustrative preview built from the live product's layout, with sample names and figures. Items marked Next are built or scheduled but not yet switched on.
Read about the recordwww.valuealigners.com/for-insurance-brokers↗You receive the output, bound into a record.
The insured's MSP runs intake, scan, mapping and remediation. With consent, the record reaches you with the renewal answers.
Intake and scan
About 30 minutes. One intake per client plus a read-only external scan. Nothing installed.
Mapping
Gaps scored against the frameworks the client's sector answers to. Every finding marked measured or self-reported.
Plan
A severity-ordered list and a client-ready PDF: what to fix first and why.
Fix
Each gap grouped by the product category that closes it, with a priced option beside it.
Record
NextReceive the record with the renewal answers, with the insured's written consent.
Renewal
Use the latest re-verified record at renewal. Clients on the Core plan are re-verified four times a year.
What the record adds, for your review.
What reaches an underwriter today, compared with the record format.
| What you need | Self-attested application | Point-in-time scan report | Value Aligners record |
|---|---|---|---|
| Answer bound to its evidence | No | Partly | Next |
| Shows who reviewed it and when | No | No | Next |
| Discloses the AI model and version that drafted it | No | No | Next |
| Client's decision on each item recorded | No | No | Next |
| Re-checkable without asking us | No | Partly | Next |
| No vendor paid to influence the recommendation | Partly | Partly | Yes |
| Refreshed through the policy term | No | No | Next |
Next = built and switching on with founding MSPs from December 2026, on top of an evidence layer that runs today.
See the formatwww.valuealigners.com/for-insurance-brokers↗What changes for underwriters and for brokers.
- Evidence instead of testimonyEach answer arrives with what supports it.
- A visible reviewA named human, a time and a decision.
- Fresher signalQuarterly re-verification for Core clients through the term.
- Your formatRecords mapped to your own application first.
- Cleaner submissionsA readiness view before the application goes out.
- Fewer follow-up questionsAnswers come with their provenance.
- A clear consent pathRecords shared through the MSP with the insured's written consent.
- Optional partner trackBrokers who introduce MSPs can earn partner commission, paid from MSP revenue, separate from any policy, and disclosed.
The record only holds if the money around it is clean.
- You get the record format and the answer-set mapping
- One or two consented live renewals beside real applications
- Early input into the format before it is fixed
- You name one application to map to, and give a written view by 15 Jan 2027
- Records in your format from consenting insureds
- Each with evidence, AI model and version, named reviewer and client decision
- A feed or API if you want one later
- No fee tied to any record or policy, either way
- No placement commission
- No vendor pays to be ranked, recommended or named in a record
- Raw scan output stays with the MSP and the client
Value Aligners is not an auditor and does not certify. The record is the MSP's and the client's attestation, with how it was produced attached.
Termswww.valuealigners.com/for-insurance-brokers↗What runs today, and what switches on for the review.
- Intake and read-only external scan
- Six-framework mapping
- Measured or self-reported badge
- Client PDF
- Auditor-format exports and evidence pack
- Cyber-insurance readiness topic
- The decision record and its export
- Carrier questionnaire mapping and answer-set export
- Quarterly re-verification
- A record shared with an outside party: the first come from founding MSPs
- Any carrier integration or relationship
- Our own cyber and E&O cover bound
- A SOC 2 report
Sixty minutes, one application, one written view.
Review a format, not a system. Shape it before it is fixed.
- A 60-minute walkthrough of the record format.
- Name one application you would want it mapped to.
- See one or two consented live renewals beside real applications.
- Give a written view by 15 January 2027: useful, useful with changes, or not and why.
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