Insurance Underwriting
Decision support for underwriters that consolidates submission data, risk signals and guidelines into one consistent view.
Automated Underwriting
Straight-through underwriting for standardised risks
Straight-through underwriting for standardised products using codified rules, data enrichment and governed models.
The problem
Why this matters
For high-volume, standardised products, manual underwriting adds cost and delay without improving risk selection. Automation can issue clear-cut policies instantly — provided rules and models are governed, explainable and auditable.
Common challenges
- Manual underwriting of simple, high-volume risks
- Slow quote-to-bind cycles in digital channels
- Governance of automated acceptance decisions
- Keeping rules aligned with changing guidelines
Our approach
How we work
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Segment products
Identify products and segments suitable for automation.
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Codify guidelines
Translate underwriting rules into versioned decision logic.
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Enrich in real time
Retrieve third-party data at quote time with consent.
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Govern
Monitor decisions, referrals and outcomes continuously.
Capabilities
What our automated underwriting work covers
- 01
Decision engine
Versioned rules with simulation and impact analysis.
- 02
Real-time data enrichment
API integration with external data providers.
- 03
Referral management
Automatic referral of exceptions to underwriters.
- 04
Model integration
Explainable models embedded within rule frameworks.
- 05
Quote & bind APIs
Secure APIs for digital channels and partners.
- 06
Decision monitoring
Dashboards for straight-through rates and outcomes.
Engagement
Deliverables and benefits
What you receive
- Automation suitability assessment
- Decision engine and rules repository
- Integration architecture
- Monitoring and governance framework
What it changes
- Instant decisions for eligible risks
- Consistent application of guidelines
- Full audit trail of automated decisions
Standards & technology
FAQ
Frequently asked questions
How is this different from insurance underwriting decision support?
Automated underwriting issues decisions without manual intervention for eligible, standardised risks. Underwriting decision support assists human underwriters on complex risks. Most insurers need both.
Discuss your automated underwriting requirements
Let’s discuss it. Tell us what you are working on and an engineer — not a sales script — will respond.