Case Study: Auto Club Group Michigan achieves 99% automated underwriting and 35% more applications processed with FICO Blaze Advisor

ACG Michigan blazes new trails for insurance underwriting with Decision Management solution

Auto Club Group (ACG) Michigan, a major Midwest auto insurer expanding into nearby states, needed a centralized, standardized and user‑friendly quoting and underwriting system to serve both internal and independent agents. Relying on disparate mainframe systems and third‑party tools left agents navigating slow, manual “green screen” processes, causing inconsistent quotes and hindering growth and agent adoption.

ACG deployed FICO Blaze Advisor to centralize underwriting rules, separate business logic from operations, and provide a web‑based quoting front end that integrates legacy systems and external data (e.g., driving records). In under nine months the team created 3,000 decision rules and moved from 100% manual review to 99% automated underwriting, cutting costs, increasing applications processed by 35% and tripling its independent agent network while improving compliance and agility.

Auto Club Group Michigan