---
title: "Why the STP stalled: The hidden cost barrier in underwriting automation"
description: Jeff Skelton joins Checkr on Sept 16 to unpack why pricing, not technology, has capped straight-through processing in personal lines underwriting.
image: https://try.checkrtrust.com/hubfs/Social%20Images/Webinar%20-%20Text%20only%20-%20Navy.png
---

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Live webinar · September 16, 2026 · 10am PT / 1pm ET

# Why the STP stalled: The hidden cost barrier in underwriting automation

## Straight-through processing has been the promise of underwriting automation for a decade. So why do most carriers still route a majority of quotes to manual review?

The answer isn’t a data or systems problem. It’s a pricing problem. When every data pull costs money regardless of whether the quote converts, carriers are forced to ration the very information that would let them automate the decision, running full enrichment only on the small slice of applicants closest to binding and leaving the rest to stall.

### Save your seat

September 16, 2026 · 10am PT / 1pm ET

**All registrants get coffee on us.** Attend live and you’re entered to win a $105 Amazon gift card.

When

September 16, 2026 10am PT / 1pm ET Live, moderated

Speakers

[![Jeff Skelton](https://try.checkrtrust.com/hubfs/Headshots/Jeff%20Skelton.jpeg) Jeff Skelton Former Insurance Data Executive](https://www.linkedin.com/in/jeffrey-skelton-17639211/) [![Roosevelt Mosley](https://try.checkrtrust.com/hubfs/Headshots/roosevelt%20mosley.jpeg) Roosevelt Mosley Managing Principal, Pinnacle Actuarial Resources, Inc.](https://www.linkedin.com/in/rooseveltmosley/)

What we’ll cover

## Why the industry’s pricing model, not its technology, has capped straight-through processing.

Four questions we’ll work through, live.

01

#### Why “more automation” and “more data” haven’t solved STP on their own

02

#### The real economics behind why carriers ration enrichment to only the applicants closest to binding

03

#### What a per-bind pricing model changes about what’s actually possible earlier in the funnel

04

#### What to ask your current data vendors before your next contract renewal

Who should attend

## Underwriting and product leaders evaluating STP, plus the analysts reporting back to them.

Underwriting and product leaders at mid-market and regional personal lines carriers evaluating straight-through processing initiatives.

Analysts and underwriting ops staff who’ll be reporting findings back to their teams.

## Save your seat

September 16, 2026 · 10am PT / 1pm ET · Live.

All registrants get coffee on us, and attendees are entered to win a $105 Amazon gift card.

[Register now ›](https://try.checkrtrust.com/webinar-straight-through-processing#cwf-form)

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