Evidence in a dozen places
Bureau reports, prior policy history, medical and financial information, and third-party administrator results each arrive from a different system on a different timetable.
Insight UnderwriteUnderwriting Workbench & Decision Platform
One underwriting workspace. Every signal. Better decisions.
A workflow-driven collaboration workbench for underwriting teams. Insight Underwrite assembles the case, runs the scrutiny, and gives medical, financial and AML underwriting one place to work — across new business, reinstatement and audit.
Overview
The underwriter's workbench.
Insight Underwrite sits between your policy administration system and the underwriting team. It prepares the case sheet for medical and financial underwriting, aggregates the external evidence, applies your scrutiny rules, and presents everything on one screen.
Underwriters stop assembling information and start applying judgement.
- Category
Underwriting Workbench & Decision Platform - Covers
New business, reinstatement and audit management - Underwriting types
Financial, medical and AML underwriting - Used by
Underwriters, team leads, underwriting operations and audit - Decision logic
Configured in SuTra, the SolTech rules and decision engine
The problem
Underwriting slows down before the decision, not during it.
Scrutiny done by eye
Front-office document checks for KYC, AML and medical requirements depend on whoever is reviewing them that day.
Collaboration outside the case
Questions to a peer or team lead happen in email, so the reasoning behind a decision lives somewhere the case file cannot see.
The case sheet
Everything the underwriter needs, in place.
Every field and section is configurable, and editable or read-only by design — so derived values cannot be overwritten at the desk.
Policy information
- Current policy details
- Previous policy details
- Single-click snapshot of the proposal form and data
- Real-time display of data from policy administration
Client information
- Owner and insured identity and personal information
- Current and total sum assured at risk
- Total premium across the relationship
Financial underwriting
- Declared incomes and average income
- Credit information income segment
- Age factor and derived eligibility
- Total financial risk and upsell headroom
- Financial decision with underwriter remarks
Medical underwriting
- Medical requirements derived from the case
- Application and medical signature locations
- Non-reimbursement flags for advisor and centre
- Medical remarks captured against the case
AML underwriting
- Politically exposed person marking
- Income to premium ratio
- AML remarks recorded on the case
Collaboration
- Complete case history from a single-click view
- Review and recommend additional requirements
- Record interactions against the case
- Collaborate with peers and team leads
- Raise discrepancy lists
- Rate cases by risk and coordinate with other teams
Typical workflow
From proposal to captured decision.
Case created
A proposal arrives from policy administration or an API call.
Case sheet prepared
Policy, client, financial, medical and AML sections assembled.
Scrutiny runs
Rule-driven document checks for AML, medicals, KYC and requirements.
Routed
Skill and channel based routing, with priority cases surfaced first.
Requirements tracked
Additional requirements raised, chased and tracked to closure.
Decision captured
Rated, recorded and published back to core systems with a full audit trail.
Integration options
Connected to the evidence, wherever it lives.
The workbench is only as good as what it can reach. These are the connections that remove manual collection from the underwriter's day.
Risk and identity data
Real-time integration with credit bureaus for risk profiling of the proposer, and claim data validation against the industry information bureau.
Medical services
Real-time integration with third-party administrators and health service providers for end-to-end medical requirement management and tracking.
Document management
Integrates with any document management system through APIs, including InstaDocs.
Document scrutiny
A rule-driven scrutiny engine applies AML, medical, KYC and document requirement checks at the front office, with optical character recognition used to quality-check printed documents such as pathology reports and signature presence.
Additional features
Built for how underwriting teams actually work.
A workbench is used all day. The details that make it bearable matter as much as the headline capability.
Single-click proposal snapshot
Skill and channel based routing
Priority case management
Raise and track additional requirements
Peer and team lead collaboration
Discrepancy lists
Knowledgebase integration
Single view dashboard and alerts
End-to-end audit trail
Mobile and tablet friendly
Configurable fields and sections
Add missing data fields
Configurable by design
Every field and section can be amended as the product set changes, without a release.
Derived values are protected
Computed fields such as eligibility and total risk are read-only, so the arithmetic cannot be edited at the desk.
Rules as configuration
Underwriting and scrutiny logic is configured in SuTra, not compiled into the workbench.
Integration over replacement
Your policy administration system stays where it is. The workbench attaches to it.
What changes operationally
Faster decisions
Cases arrive assembled instead of waiting on manual collection.
Consistent scrutiny
The same document and requirement checks apply to every case.
Collaboration on the case
Questions, interactions and recommendations stay attached to the file.
A clear audit position
Every decision can be explained with the evidence behind it.
Modernising underwriting?
Tell us how cases reach your underwriters today, and what they have to assemble before they can decide.