Underwriting automation
AI underwriting your underwriters stay in charge of
AI underwriting reads applications and documents, pulls outside data, pre-scores risk and drafts a recommendation. Underwriters decide. We build it for insurers and MGAs on the systems you already use.
30 minutes. You leave knowing which 3 processes to automate first and what they cost you today.
Illustrative example
Trusted by companies worldwide
Trusted by companies worldwide: Braffess, Casa Sors, HollaBoo, Laoom, Guardian Development Group
Results
Built for insurers, proven on claims.
Our insurance case is a claims build, not underwriting. It shows how we approach document-heavy work.
Insurance
Claims processed 75% faster.
A regional insurer's adjusters spent 70% of their time on routine claims, so every claim took 15 days. We built an AI that reads the documents and photos, checks the policy and recommends a decision, so adjusters only handle the complex cases.
600+hours back every month99.5%decision accuracy+30%capacity, no new hires
The problem
Underwriters read before they decide.
-4%
Projected decline in insurance underwriter jobs, 2025 to 2035.
88%
Of 193 responding auto insurers use, plan to use, or plan to explore AI or ML models.
92%
Of 93 responding health insurers use, plan to use, or plan to explore AI or ML models.
Each submission means opening documents, keying data and checking guidelines. The role is changing as automated underwriting software speeds up application handling.
- Manual underwriting: Underwriters open every email, form and attachment to start a file.With AI-powered underwriting: Documents are read first, with a clean summary waiting for the underwriter.
- Manual underwriting: Outside data is looked up by hand, source by source.With AI-powered underwriting: Outside data is pulled and attached to the file automatically.
- Manual underwriting: Good and poor-fit submissions wait in the same queue.With AI-powered underwriting: Submissions are triaged against your appetite so the best fits surface first.
- Manual underwriting: Risk notes live in individual inboxes and memory.With AI-powered underwriting: Every score and recommendation is logged with its factors for review.
Underwriters keep the judgment, the system does the reading.
Our data
What AI answers when buyers ask
We asked ChatGPT, Gemini and Perplexity 10 buyer questions about AI for insurance agencies. They named 119 companies, and 85% appeared in only one of the three.
| Criterion | ChatGPT | Gemini | Perplexity |
|---|---|---|---|
| Companies named | 48 | 46 | 53 |
| Sites cited most | sonant.ai (3 of 10) | reddit.com and wyecliff.ai (3 of 10) | agentforthefuture.com and cloudtalk.io (3 of 10) |
Nexum measurement, October 20, 2026, via DataForSEO: 10 buyer questions to each AI, US English, 30 answers in total. 10 companies appeared in all three. Google showed an AI Overview for 9 of the 10 questions.
What we automate
How AI underwriting works, step by step.
Submission intake
Capture submissions from email, portals and brokers and open a complete file.
Document reading
Read applications and attachments and pull out the key details.
Outside data
Bring in third-party data and attach it to the file.
Triage
Sort submissions against your appetite and guidelines before anyone opens them.
Risk pre-scoring
Score risk with the factors listed, for an underwriter to review.
Draft recommendation
Draft a recommendation and quote notes. The underwriter decides.
Is it time?
Signs you need underwriting automation.
Signals you need this
- Underwriters spend most of the day reading and keying, not deciding
- Strong submissions wait behind poor-fit ones
- Guideline checks vary from one underwriter to the next
- Handling more submissions means hiring more underwriters
When not to invest yet
- You expect the system to be running without issues from the first days
- Price comes first: you want the cheapest vendor, not the build that scores risk accurately
- You want a report on your underwriting process, not a live system working real submissions
- Your team cannot yet open the underwriting systems or review each step
What you get
From the first submission to a live system.
- A costed view of your underwriting workflow, step by step
- A fixed price for the underwriting build, with scope and dates agreed in advance
- An underwriting AI agent that reads applications and attachments and pulls outside data
- Risk pre-scoring and draft recommendations your underwriters review and decide
- Logged reasoning for every step, so decisions can be reviewed later
- Back-testing on past submissions before launch, and a walkthrough for underwriters
- Your carrier or MGA keeps the code, accounts, prompts and data
How it works
The Payback Loop. Five steps. Each build pays for the next.
We don't start with the AI. We start with the money.
Consulting
First, we find the manual work in your company and how many hours each task eats every week.
Process mapConsulting
Each process gets a dollar figure and a rank by payback. You see what to automate first, and what to leave alone.
AI roadmap, ranked by paybackImplementation
We build the first system on the tools you already use. Nothing new for your team to learn.
A working systemImplementation
Every system is tested end to end before launch. It doesn't go live until it works without errors.
Tested, system liveSupport
The first build pays back fastest, so its savings fund the next one. Back to the map, and we keep every system running.
Monthly support (optional)
↺ Back to Map
Consultancies stop at the roadmap. Freelancers build without one. The loop only works when one team runs all five. You approve each step; we do the work.
FAQ
Questions about AI underwriting.
- AI underwriting uses software to read applications and documents, pull outside data, pre-score risk and draft a recommendation. It covers the work before the decision, so underwriters spend their time on judgment. The same AI-based underwriting approach fits personal lines and commercial underwriting AI alike.
- Automated underwriting insurance means software handles intake, data gathering and first-pass checks against your guidelines. Routine steps move faster, and underwriters review what the system prepares.
- The BLS projects insurance underwriter employment to decline 4 percent from 2025 to 2035, noting that automated underwriting software reduces the need for underwriters. In our builds, the system prepares the file and underwriters make the decision.
- Agentic underwriting uses an AI agent that works through a submission step by step: reading documents, pulling data and drafting a recommendation. Our AI agent development work builds these around your process.
- Yes. Underwriting submission triage AI reads incoming submissions, checks them against your appetite and routes the best fits to underwriters first. Intelligent document processing handles the reading.
- Machine learning insurance underwriting models can pre-score risk from the data on a file. We use them to support the underwriter, with the factors shown. Machine learning for underwriting suggests, and your team decides.
- Yes. The NAIC says insurers using AI remain responsible for complying with insurance laws, regulations and consumer protection rules. Our builds log each step so your governance program can review decisions.
- We focus here on insurance underwriting. Related work such as AI loan underwriting, AI underwriting real estate and AI commercial real estate underwriting follows a similar pattern, covered in our financial services work.
- The roadmap takes 1 to 2 weeks. Intake and pre-scoring can be running in 14 to 21 days; the full underwriting build takes 6 to 8 weeks, at a price fixed up front. See our AI in insurance guide for more.
Final step
Pick a time. Let's talk.
You leave knowing which processes to automate first and what each one costs you today, whether we work together or not.
You can keep paying for manual work, or find out this week exactly what it costs you.
What happens on the call
Before
You answer 3 quick questions when you book, so we come prepared.
On the call
We find the manual work that costs you most and put a number on it, live.
Decide
An honest read on whether we're the right fit. If we're not, you'll hear it on the call.
Once you book, we look at your site and tools before the call, so the 30 minutes go to your numbers, not introductions.
Prefer to write first? Email us directly: contact@nexumautomations.com