AI Underwriting
Underwriting that
doesn't wait.
A decision engine that combines licensed data sources, adaptive questioning, and human review where it matters — with a reasoning trail attached to every outcome.
Decision in
60seconds
Median time from "submit" to bound coverage across cleared cases. Reasoning, sources, and overrides are stored with the case.
Live target
Signals
What the engine actually reads.
MIB & Rx
Prescription history and medical info bureau pulled in seconds.
Identity & fraud
KYC, device, and behavioral signals before a single underwriting question.
Motor vehicle
MVR pulled where state-permitted; weighted by recency and severity.
Public records
Bankruptcy and criminal history considered within regulatory limits.
Application data
Adaptive Q&A — only the questions a case actually requires.
Lab & exam (optional)
Triggered only when the case truly needs them. Most cases don't.
Guardrails
Built to be explained.
- Every decision ships with the data sources, model version, and reasoning steps.
- Adverse-action notices generated automatically with the cited factors.
- Bias and drift monitored on every model release before promotion.
- Human underwriters can override, with the override stored on the case.