Our AI Agent helps MGAs and carriers triage submissions, enforce appetite rules, and make faster underwriting decisions — all from your own guidelines, policies, and systems.
Enterprise-ready security • Auditable decisions • Human-in-the-loop
Faster submission triage.
Consistent appetite enforcement.
Underwriters focus on deals, not searching.
Scale capacity without adding headcount.
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See how underwriting teams make faster, more consistent decisions.
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Every answer cites your source documents.
Works only with your firm's data and guidelines.
Built specifically for regulated insurance operations.
Role-based access for better management and security.
Security first infrastructure
Centralized appetite rules
Bring appetite guidelines, class codes, territory rules, and carrier requirements into one reliable source.
Ask questions in plain language
Ask questions naturally and get clear answers, no training or special prompts required.
Citable, explainable answers
Role-based access and control
Control who sees what, Junior Underwriters, Senior UWs, and leadership get appropriate access levels.
Fast setup with minimal disruption
Deploy to your team via Microsoft Teams, Slack, or a dedicated web portal, live in weeks, not months.
Turn scattered knowledge into
instant, trusted decisions
Discover how underwriting teams reduce triage time, improve consistency, and scale decision-making without increasing risk.
Designed for every role in your firm.
Our AI agent delivers value differently depending on how you work, without changing your existing systems.
Owners and Managing Partners
Reduce E&O exposure and operational risk while improving underwriting consistency and scaling capacity across the organization.
Operations & Compliance Teams
Maintain audit readiness with verifiable, documented decisions. Clear data boundaries and controlled access for regulatory confidence.
Underwriters and Submission Teams
Get instant, reliable answers about appetite, class codes, and guidelines. Spend less time searching and more time on deals that matter.
SOC 2 Type II compliant architecture
Private cloud isolation
Role-based access controls
No model training on your data
3x
Faster submission triage
70%
Reduction in time spent searching guidelines
100%
Audit trail on every decision
Frequently asked questions.
Is this replacing our underwriters?
Absolutely not. It enforces underwriting discipline — it doesn't make decisions. The underwriter still signs off. What this does is make sure every high-risk submission is reviewed against the same criteria, and that dissent is documented before a bind decision. We're structuring underwriting judgment, not automating it away.
We already have appetite guidelines. Why do we need this?
You already have appetite guidelines — but enforcement depends on human consistency under volume pressure. When 50 submissions hit on Monday morning, does every underwriter apply the same rules the same way? This system doesn't rewrite your appetite. It ensures your appetite rules are actually applied, consistently, and escalated when breached.
What happens if the AI is wrong?
The AI never makes a final decision. It produces a recommendation, a confidence range, and the strongest counterargument. If it's wrong, the dissent exposes it — and the human still approves. Every answer cites its sources, so your team can verify before acting. The system surfaces uncertainty, it doesn't hide it.
How is this different from Cara or Applied AI?
Most AI tools summarize and automate servicing tasks. This is not servicing AI — this is underwriting governance. It forces multi-perspective review, preserves dissent, and enforces escalation rules before a decision is bound. That governance layer doesn't exist in AMS platforms.
Can it improve our loss ratio?
It reduces underwriting drift. Even small consistency improvements can protect 0.25–0.75 points of loss ratio. But the bigger win is reducing large misses caused by rushed review under volume. The value isn't in the average case — it's in catching the one that would have slipped through.
