Every agent action has a level. InsightAdvocate ships with every agent at L1, draft, and a tenant ceiling of L2, ask first. Nothing the agents prepare reaches a carrier or a client without a person, and that is not a setting a busy week can quietly change.
Four levels
| Level | What the agent does |
|---|---|
| L1 · Draft | Prepares a draft; a person does the work. Where every agent starts. |
| L2 · Ask first | Prepares the decision and asks a person before it acts. The ceiling. |
| L3 · Act and tell | Acts, tells the person and lets them pull it back. Locked. |
| L4 · Act | Acts on its own. Locked. |
The level for an action
this action and line"] --> MIN{"Lowest of"} C["The action's cap: L2"] --> MIN T["Tenant ceiling:
ADVOCATE_AGENTS_MAX_LEVEL"] --> MIN MIN --> L["Level used"]
The effective level is the lowest of the agent’s own level for the action (set per line if needed), the action’s cap, and the tenant ceiling. In InsightAdvocate every action — notices, rebuttals, escalations, client updates, settlement recommendations — is capped at L2 whatever the dial says.
Earning a notch
Each answer to a prepared decision is evidence. The autonomy roll-up recommends moving an agent up when people agree with it at least 90% of the time over 50 answers, and moves it down at once below 70% over 20. A practice leader accepts a recommendation; the agent never promotes itself. On the illustrative book nobody has answered yet, so the page says “nothing to measure yet” — which is the honest number.
Why stop at ask first? Because a letter to a carrier is the broker speaking for the client, and a client update is advice. Both carry E&O exposure. Agents make the preparation fast; people stay accountable for what is said.
