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AI that helps underwriters, and answers to them.
Your mundane, redundant work (intake, chasing, matching, assembly) runs as an AI Operational Workforce with feedback loops that correct it as it goes, while a person owns every decision that touches rating or binding. It speeds intake and classification; a person approves anything that touches rating or binding. Operate it in production for 30 days (your own live workflow, your own submissions) and the monthly rate starts after the trial.
One narrow job, done in production.
The classification assist reads a risk description and suggests Classifications with ranked alternates and the reasoning behind each. A person confirms every suggestion.
It reads the risk
A submission described in plain language (the way a producer actually writes it) is enough to start. No forms invented for the AI's benefit.
It suggests, ranked and reasoned
A suggested Classification with ranked alternates, and the reasoning that produced each one, shown to the person deciding, not hidden behind a score.
A person confirms
Every suggestion waits for an underwriter to confirm, swap, or reject it. Nothing the assist proposes becomes a decision until a person makes it one.
That specificity is deliberate.
We make narrow AI claims we can demonstrate, not broad ones we can't, and the demonstration is a working system, not a slide. We stand one up in your production environment and you run it on real submissions for 30 days. Every claim on this page is something you check against your own file, on your own desk. The monthly rate starts after the trial.
A suggestion, its alternates, and a person deciding.
This is the whole interaction. The assist proposes, shows its work, and waits. The underwriter stays the underwriter.
Describe the risk
Plain language in, the way the submission actually arrives, no re-keying into a special format first.
Review the ranked suggestions
A suggested Classification, the alternates, and the reasoning behind each, enough to disagree with, which is the point.
Your underwriter decides
Confirm, swap for an alternate, or reject outright. The log keeps the suggestion, the decision, and who made it.
Four steps, and a person owns the one that matters.
Every assist we ship runs through the same flow. It's simple enough to draw on a whiteboard, and documented well enough to hand to a reviewer.
Intake
The AI reads the submission and extracts what matters.
Triage
A Classification proposed with ranked alternates, reasoned and logged.
Human approves
Your underwriter confirms, swaps, or rejects. Nothing proceeds without them.
Record
Suggestion, decision, outcome, the whole trail kept for audit.
This is the flow you operate yourself during the 30-day trial, and the same flow your carrier's reviewer reads on paper.
What our AI does, and what it will not.
The second list matters more than the first. It's the one your carrier will ask about.
What it does, exactly
Narrow on purpose, and demonstrable today.
- Reads a risk description written in plain language
- Suggests Classifications with ranked alternates and the reasoning behind each
- Extracts intake details and queues them for a person to review
- Logs every suggestion and every decision so the trail survives an audit
What it does not do
Boundaries in writing, not in a footnote.
- It does not make unattended underwriting decisions, a person owns every one
- It does not touch your data for training without an agreement that says so
Documentation your carrier's reviewer can read.
Every engagement ships with four artifacts, written to be read in one sitting, not filed and forgotten.
AI-use policy
What the AI is for, what it may touch, and what it may not, in plain language, not legalese.
Human-in-the-loop map
Exactly where people approve, step by step, no ambiguity about who decides what.
Provider inventory
Which models and providers are in use, kept current as components change.
Output logging
Every suggestion and every decision recorded, reviewable when someone asks, because someone will.
Written for the NAIC model-bulletin environment that 24 states and the District of Columbia have adopted as of July 2026, your carrier's questions have answers on paper.
The questions this page usually raises.
Related reading & adjacent builds.
Where a governed assist earns its keep, and the guardrails to demand from any vendor, including us. Evaluating the category more broadly? Start with how to choose MGA software. The same governed pattern now runs across the whole quote file, see the iO intelligence layer. If a capacity partner is doing the asking, hand them the carrier brief.
Broker portal
Where the assist usually rides first, producers quote self-serve while intake and classification get faster behind the scenes.
Explore the broker portal →Submission-to-issuance workflow
The flow the intake assist feeds, one tracked record from submission to issue, with your underwriters approving every gate.
See the workflow build →AI underwriting guardrails
The guardrails an MGA should demand before any AI touches underwriting, the same checklist our own governance flow is built against.
Read the AI guardrails guide →See it working before you believe a word of this.
We stand up a working system and you operate it in production for 30 days, real submissions, your underwriters approving every call that touches rating or binding. Bring us your intake flow and we'll show you where a governed assist fits in your phase plan. The monthly rate starts after the trial.
You run it on real submissions before you pay anything.