Accelerate and power profitable underwriting growth

Apply AI and automation to underwriting processes and risk decisioning

Automate the busywork out of underwriting and focus underwriters on high-value submissions and activities. Pega uses real-time AI to infuse processes with intelligence and arm underwriters with contextual analytics and recommendations to increase capacity, reduce operating expenses, maximize portfolio performance, and capitalize on new opportunities.

Featured customers

Zurich Santander accelerates time to market

See how Zurich Santander used Pega to drive 80% efficiency gains in its product model.

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Tokio Marine unifies its underwriting experience

Tokio Marine used Pega to consolidate 15 different systems of record into a single UW workbench.

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QBE improves enterprise underwriting efficiency

Learn how QBE deployed over 150 RPA bots to support underwriting processes end to end and automate tasks.

Check out the case study

Omni-channel intake

Automate intake from any channel

Improve customer and partner experiences by automating intake from their preferred channel. Improve end-to-end efficiency by building submissions from enterprise data, reducing manual underwriting volume, and automatically connecting communications with submissions no matter when they are received.

How we do it

• Extract data from emails and documents while identifying missing requirements/details
• Assess and enhance application quality with ecosystem data to improve straight-through processing and automate communications required to get submissions in good order
• Automate licensing verification and submission duplication
• Ensure users can start and complete submissions across every channel permutation

Triage & orchestration

Assess appetite and manage workflows across an enterprise of core systems

Automate workflows based on specialization, relationships, capacity, and more with the appropriate urgency and prioritization. When the right people are assigned the right work at the right time, you can accelerate underwriting, reduce operating expenses, and improve experiences for all stakeholders.

How we do it

• Apply always-on AI and automation to triage, appetite, and work assignment rules
• Leverage process AI to predict complexity and distribute work based on capacity, specialization, team, and agency
• Deliver on SLAs by escalating service issues automatically with end-to-end case management
• Leverage out-of-the box workflows that make it easy to manage submissions that involve different personas and dependent tasks

Underwriting workbench

Reduce swivel chair with an experience your underwriters will look forward to using

Unify disparate data and systems into a single underwriting workbench to empower your employees with all the required data at their fingertips. Bring together submission, policy, and third-party data to make more meaningful AI-driven decisions, drive more business, and reduce turnaround time.

How we do it

• Deploy an AI agent that delivers real-time recommendations to accelerate risk assessment
• Automate tasks in accordance with guidelines and bridge functional silos, assuring complete security and auditability
• Unify intake to deliver a single underwriter inbox that integrates with your policy administration and rating tools
• Use predictive and adaptive analytics to align underwriting outcomes with profitability and risk objectives

Virtual assistants

Strengthen risk assessment in your preferred pane of glass

Turn your entire team into seasoned specialists by delivering contextual recommendations throughout the underwriting process. Whether its next best action for ideal next steps or coaching based on AI-driven analytics, the heart of your organization can be augmented with real-time assistants that maximize your team’s performance.

How we do it

• Deploy an AI agent that delivers real-time recommendations to aid risk assessment
• Leverage your process guidelines and historical outcomes to recommend tasks and offers that will augment decisioning and accelerate processing
• Operationalize your rules and portfolio goals with alerts that warn when decisions may not be pointed toward optimal outcomes
• Utilize retrieval augmented generative AI to surface knowledge articles and guidelines regardless of their source system