An underwriting decision starts with understanding the submission. Documents may be incomplete, evidence may conflict and a case may fall outside standard authority. AI is most useful when it helps the underwriter see the relevant information, identify uncertainty and prepare a decision that can be explained and reviewed.
01
Submission intake & completeness
Organize the submission and identify the documents and fields required for the selected product. Surface missing or inconsistent information before it becomes repeated review work.
02
Evidence extraction & preparation
Use AI assistance to prepare relevant facts from authorized documents. Keep extracted information linked to its source so the underwriter can verify it and correct mistakes.
03
Risk assessment support
Bring the evidence, applicable guidelines and existing case context into a common view. Make contradictions and uncertain conclusions visible instead of treating a generated summary as a decision.
04
Pricing & terms preparation
Connect approved pricing inputs and methods to the proposed terms. Retain calculation versions and document overrides so the reviewer can reproduce the basis of the recommendation.
05
Authority & referrals
Route exceptions and decisions beyond delegated authority to the appropriate reviewer. Keep referral reasons, approval conditions and the final underwriting rationale together.
06
Quality & operational monitoring
Review preparation quality, referral patterns, overrides and accepted outcomes. Use representative cases to evaluate whether AI assistance reduces effort without weakening the quality of the decision.
YOUR BUSINESS AREA. A CONNECTED PLATFORM.
AegisNow
For AI underwriting
AegisNow supports Life and P&C underwriting within the wider insurance platform. Genellipse connects AI-assisted preparation to the underwriting rules, pricing methods and referral responsibilities your team approves. Cortex AI can support governed agent workflows, with authorized access and a recorded trail of actions.
Select a stage to see the action, accountable owner and evidence needed to move forward. This illustrative sequence is adapted to your business rules during scoping.
THE ACTION
Prepare the submission
Identify the product and case, collect the required evidence and flag missing or conflicting information. Preserve the source for each prepared fact.
Accountable ownerUnderwriting operations
MEASURE THE CHANGE
Efficiency and control, assessed together.
Establish a baseline from your current process and agree targets before an evaluation. These measures define what to assess; they are not claims of achieved customer results.
Submission preparation effort
Time spent producing a complete, verified case pack, including corrections to AI-prepared material.
Referral & override patterns
The reasons, frequency and resolution time for referrals and overrides across the agreed case population.
Decision quality & traceability
Review findings on evidence accuracy, adherence to authority and the ability to explain the final decision.
A PRACTICAL STARTING POINT
Make the evaluation specific.
Start with a defined workflow, representative data and the people who approve the result. Confirm product configuration, integration requirements and delivery scope before wider adoption.
Explore the scope, practical considerations, and a useful starting point for your team.
Does AI make the final underwriting decision?
This approach keeps final decision authority with authorized underwriting owners. AI assists preparation and analysis within agreed boundaries; referrals, overrides and consequential actions follow the defined review process.
How do Life and P&C workflows differ?
Evidence requirements, risk factors, pricing methods and authority structures differ by product and line of business. The evaluation is scoped to a specific workflow and uses representative cases rather than assuming one configuration fits every book.
