Submissions read by hand
Disclosures, statements, and exposure data are pulled and read manually. Every field is a keystroke, and the evidence behind the tier lives in an analyst's head.
Use cases · Underwriting
Underwriting, from submission to decision.
Agents pre-assess the submission, extract disclosures and financials, run risk, stress, and geo-exposure analysis, assign a risk tier, and hand the underwriter a decision-ready brief, so people price and decide instead of gather. Life and P&C to corporate and SME credit.
days to minutes on memosup to 90% lower cost per memo● in production
The problem
Where underwriting time goes.
The work that has not moved is the work earlier automation could not reach: reading submissions, spreading financials, and building an evidenced view a risk owner can defend.
Memos that take days
For corporate and SME credit, a single memo can run two to three analyst days of spreading and writing before anyone prices the risk.
Inconsistent risk calls
Without a shared, evidenced view, risk tiers vary from desk to desk. The same submission can price two ways depending on who opens it.
Value stream
The underwriting journey, end to end.
One flow from submission to decision. Agents pre-assess the submission, extract disclosures and financials, run risk, stress, and geo-exposure analysis, assign a tier and score, and frame the call. Clean cases are decided straight through; the rest refer to an underwriter with the exception already framed. Hover a team to see where its agents sit.
Who it's for
Built for every underwriting desk.
Insurance Underwriting
Life and P&C underwriting leaders. The Head of Underwriting and the Chief Underwriting Officer own the loss ratio and the speed of the desk.
- Pre-assessment brief
- Risk-tier assignment
- Medical & P&C review
- Exception escalation
Corporate & SME Credit
Corporate and SME credit teams. The Head of Credit Risk and the Chief Credit Officer approve the memo and answer for the decision.
- Financial spreading
- Credit memo generation
- ECB stress testing
- Risk flags
Risk & Actuarial
The teams that need evidence behind every tier. They own the models and the justification, and they sign off with confidence.
- Loss-ratio analysis
- Geo-exposure risk
- Per-field confidence
- Explainability
Featured
Featured agents, up close.
Nine underwriting agents: what each one gathers, checks, and hands back to the risk desk.
risk-tier-assignment-agent
Assigns a risk tier from the combined disclosures and data, with the drivers attached.
underwriting-pre-assessment-brief-generator
Builds an underwriter-ready summary with KPIs, historical performance, and focus areas before manual review.
medical-questionnaire-analyzer
Analyzes medical questionnaires for risk-relevant signals for life and health.
health-history-diagnostic-validator
Validates disclosed conditions against medical history and flags the gaps.
income-occupation-verifier-life
Validates income and occupation on life applications against the disclosures.
credit-memo-generator
Auto-builds structured, regulator-ready credit memos from the spread file.
balance-sheet-extractor
Extracts and maps accounts from trial balances into standardized templates.
geo-exposure-hazard-context-calculator
Uses geolocation and GIS layers to identify hazard zones, proximity risks, and exposure clustering.
conversational-underwriting-copilot
Lets underwriters ask natural-language questions across claims, exposure, performance, and policy data, and get contextual, traceable answers
“…loss ratio is trending up on this account, here are the three claims driving it.”
Agent stacks
Five stacks on the underwriting journey.
Pre-composed sets of agents, each scoped to one underwriting value stream: deploy the whole stack or pick the agents you need.
Underwriting Assessment
Medical, health-history, income, and asset checks feed a risk tier, with borderline cases escalated to an underwriter with full context.
SME / Corporate Underwriting: Financial Insights
Balance-sheet extraction, KPI trends, market context, and auto-built credit memos turn raw statements into a defensible decision.
Retail Mortgage Underwriting
Income, title, appraisal, collateral, and debt checks assemble a complete, verified mortgage pack before an underwriter opens it.
Property Insurance: Pre-Assessment
Entity resolution, loss-ratio pattern analysis, and a pre-assessment brief give the underwriter an evidenced view before manual review.
Property Insurance: Geo-Risk Calculation
Geo-exposure, proximity, and distance risk signals, wrapped in deterministic guardrails and human-in-the-loop validation.
Compose your own.
Start from a stack or pick individual agents, they're built to work together on your value stream.
Browse the catalog