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AI Underwriting Support

Accelerate Underwriting. Elevate Precision.

Your AI Underwriting Support Teammate gathers risk data from multiple sources, runs preliminary assessments, flags exceptions for review, and prepares comprehensive underwriting summaries — giving underwriters the intelligence they need in minutes, not days.

SOC 2 Compliant HIPAA Ready Fully Auditable
What This Teammate Does

End-to-End Underwriting Support — AI-Powered

From submission intake to risk summary delivery, your AI teammate accelerates every step of the underwriting workflow.

Multi-Source Risk Data Gathering

Pulls data from bureaus, third-party APIs, loss runs, financial statements, and public records — assembling a complete risk picture automatically.

Preliminary Risk Assessment

Runs rule-based and ML-driven risk scoring against your underwriting guidelines, flagging submissions that fall outside appetite or require exceptions.

Exception & Referral Flagging

Automatically identifies exposures, coverage gaps, and guideline exceptions — routing them to senior underwriters with full context and recommended actions.

Underwriting Summary Generation

Produces structured underwriting summaries with risk highlights, comparable accounts, loss history analysis, and pricing recommendations.

Guideline & Appetite Matching

Validates every submission against your current underwriting guidelines and appetite statements — ensuring consistency across the book.

Pricing & Benchmarking

Pulls rate comparisons, historical pricing data, and competitor benchmarks to support pricing decisions with data-driven confidence.

Who It's For

Built for Underwriting Leaders Who Need Speed & Consistency

Designed for the executives and operations leaders responsible for underwriting performance, risk selection, and profitable growth.

Chief Underwriting Officers

CUOs and SVPs of Underwriting who need to increase throughput, improve risk selection, and maintain guideline consistency across teams and geographies.

  • 3x underwriting throughput
  • Consistent risk selection
  • Reduce E&O exposure

COOs & CFOs

C-suite executives focused on expense ratios, profitable growth, and operational leverage — looking for underwriting efficiency without headcount increases.

  • Lower expense ratios
  • Scale without adding staff
  • ROI within 60 days

Underwriting Managers

Line managers responsible for team productivity, submission turnaround, and quality — who need to do more with the same team size.

  • Faster submission turnaround
  • Reduce manual data gathering
  • Free UWs for complex risks
What It Replaces

Replace Manual Data Gathering with AI-Powered Intelligence

AI Underwriting Support directly displaces hours of manual research and repetitive analysis — without changing your underwriting philosophy.

Traditional Model
AI Teammate
Hours of manual data gathering per submission
Automated multi-source data assembly in minutes
Inconsistent guideline application across UWs
Consistent AI-enforced appetite matching
Senior UW time spent on routine submissions
AI handles routine, UWs focus on complex risks
Spreadsheet-based pricing comparisons
Real-time pricing benchmarks & analytics
Slow submission-to-quote turnaround
Same-day risk assessment & summaries
Measurable Impact

KPIs That Move the Business

Every AI Underwriting deployment is benchmarked against the metrics that matter most to underwriting leaders.

3xThroughput Increase

Process 3x more submissions per underwriter with AI-powered data gathering and preliminary assessment.

70%Faster Risk Assessment

Risk data assembly and preliminary scoring completed in minutes instead of hours or days.

↓40%Lower Expense Ratio

Reduce per-submission cost by eliminating manual research and repetitive analysis tasks.

85%Auto-Submission Accuracy

AI-generated risk summaries match senior underwriter conclusions 85% of the time on standard submissions.

↓25%Improved Loss Ratio

Better risk selection through consistent guideline enforcement and data-driven pricing.

0Additional UW Hires Needed

Scale submission volume without adding underwriting headcount — AI handles the growth.

Seamless Integration

Connects to Your Existing Underwriting Systems

Your AI teammate integrates with the policy admin, rating engines, and data providers you already use.

Guidewire PolicyCenter

Native integration with PolicyCenter for submission intake, risk data population, and underwriting workflow orchestration.

Duck Creek Policy

Bi-directional sync with Duck Creek for submission processing, rate retrieval, and policy issuance workflows.

Rating Engines

Connects to Earnix, Guidewire Rating, and custom rating platforms for real-time premium calculations and pricing.

Data Bureaus & Third-Party

Pulls from ISO, AAIS, LexisNexis, D&B, and specialty data providers for comprehensive risk intelligence.

Majesco & Custom PAS

Connects to Majesco, custom policy admin systems, and legacy platforms via secure APIs and RPA bridges.

API & Webhook Support

RESTful APIs and configurable webhooks for any system not covered by out-of-the-box connectors.

Deployment Timeline

Live in Weeks — Not Quarters

A structured, phased deployment that delivers measurable results from the first sprint.

Week 1–2

Discovery & Configuration

  • Map existing underwriting workflows and guidelines
  • Configure integrations with PAS, rating engines, and data bureaus
  • Define appetite rules, exception triggers, and referral logic
  • Set up governance controls and audit logging
Week 3–4

Pilot Launch & Validation

  • Deploy on a selected line of business or submission type
  • Human-in-the-loop validation of risk assessments
  • Benchmark KPIs: throughput, accuracy, turnaround time
  • Iterate on scoring models based on UW feedback
Week 5+

Scale & Optimize

  • Expand to additional lines of business and geographies
  • Continuous model improvement from underwriter feedback
  • Onboard additional underwriting teams
  • Quarterly business reviews with ROI benchmarking
Governance & Trust

Enterprise-Grade Security for Underwriting Operations

Every decision is auditable. Every action is governed. Built for regulated insurance environments.

Human-in-the-Loop by Default

Every exception and complex risk routes to a senior underwriter. AI augments — it never replaces — underwriting judgment.

SOC 2 Type II & Audit-Ready

Full decision audit trails, role-based access control, and compliance logging designed for DOI examinations.

Data Residency & Encryption

Data residency controls, AES-256 encryption at rest and in transit, and configurable retention policies.

Works With Legacy Core Systems

Connects to Guidewire, Duck Creek, Majesco, and custom PAS via secure APIs and RPA bridges.

Get Started in 30 Days

Launch Your AI Underwriting Pilot

See measurable results — 3x throughput, faster turnaround, and improved risk selection — within your first month. No multi-year commitment. No rip-and-replace.

Live in 2–4 Weeks SOC 2 Type II Human-in-the-Loop No Data Lock-in