Platform Life · Health · Disability · P&C · Specialty

Underwriting, automated and auditable.

AI-powered risk assessment, third-party data integration and straight-through processing — with every decision explainable, logged and reviewable.

Explore capabilities
One AU engine, every line

Deterministic rules. AI judgment. Full audit.

Rules engines are fast but brittle. ML models are powerful but opaque. Our AU platform combines both — giving you speed, accuracy and a regulator-defensible audit trail.

01

Rules engine

Declarative rules, reflex questions and adaptive questionnaires. Product, jurisdiction and channel-specific overlays.

02

AI risk models

Predictive models for mortality, morbidity, lapse and fraud — deployed behind explainability and override workflows.

03

Data integrations

Rx, MIB, MVR, lab, EHR, credit, tele-interview, wearable and 40+ external sources, orchestrated in parallel.

04

Straight-through

Accept, refer, decline or counter-offer — auto-issued in minutes, with no human touch on clean risks.

05

Underwriter workbench

A modern UI for underwriters: full case view, ordered evidence, recommendations and one-click decisions.

06

Audit & explain

Every rule fired, every model score, every data field used — captured, versioned, and replayable on demand.

Decision engine

Decisions in seconds. Explanations on demand.

Every underwriting decision — whether made by a rule, a model or a human — carries its full reasoning with it. A regulator, an auditor or a DOI examiner can replay any case, end-to-end.

  • Versioning. Every rule and model is versioned. Re-run a case against the rules in force on its submission date.
  • Explainability. SHAP-style factor contributions and rule-firing traces for every decision.
  • A/B testing. Test new rules or models on live traffic before committing. Shadow-mode deployment supported.
  • Bias testing. Disparate-impact monitoring by protected class. Alerts when drift exceeds thresholds.
  • Exceptions. Underwriter overrides are logged with reason codes and feed back into model training.
By the numbers

Speed and accuracy, measured.

<5 min
Median time to decision on clean applications
80%
Straight-through rate on simplified-issue life
40+
Third-party data sources integrated
100%
Decisions explainable, auditable and replayable
Let's build

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