AI Agents

Context

Designed for insurance within the Underwriting assessment stack, this agent is used when new applications or mid-term adjustments include medical questionnaires. Typical scenarios span life and health lines where risk-relevant disclosures must be captured cleanly before underwriting proceeds, and remediation tasks where incomplete or ambiguous fields slow decisions.

What it does

The agent reads the submitted questionnaire and extracts the relevant medical disclosures into a structured underwriting view. It identifies the sections, questions, and applicant responses; normalizes medical terms and timeframes; and highlights items that require follow-up (for example, missing durations, unspecified medications, or unclear treatment outcomes). Each extracted field links back to the exact page and question so reviewers can confirm context instantly.

Core AI functions

Document detection routes forms to the right parsing logic; OCR and entity extraction target questionnaire prompts and responses; normalization aligns terminology and dates; and consistency checks flag contradictions across sections (e.g., “no past conditions” alongside listed treatments). Confidence scoring surfaces low-certainty fields as precise exceptions, allowing the file to keep moving while targeted clarifications are raised.

Problem solved

Manual review and re-keying of medical questionnaires is slow and error-prone, and incomplete responses trigger back-and-forth that delays underwriting. Important indicators can be buried in unstructured text, forcing underwriters to scan entire forms.

Business impact

Decisions move faster because disclosures are captured correctly the first time, exceptions are specific, and underwriters start with a structured, explainable summary. Rework drops, cycle times shorten, and every conclusion is supported by clear linkage to the original questionnaire.

Integration and adjacent use cases.

Integration is light–moderate: the agent ingests PDFs or scanned forms from your portal, agent capture, email, or DMS and writes structured outputs into your underwriting workbench or policy admin; no core replacement is required.

Common combinations in this stack include:

• Health history & diagnostic validator (to verify declared conditions and tests), Income & occupation verifier (life) (when financial suitability is required),

• Asset & usage pattern extractor (P&C) (for property or motor context),

• Risk tier assignment agent (to propose a tier from combined evidence), and

• Manual exception escalation wrapper (UW) (to route edge cases with complete context).