AI-Powered Underwriting Workbench with Intelligent Decision Support

Our Underwriting Workbench is a digital insurance platform designed for underwriters, supporting decision-making processes with AI, providing a 360-degree view of accounts, and facilitating effective collaboration with brokers, MGAs, and other partners.

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Who benefits from our Insurance Underwriting Platform?

Pain points the platform solves

According to Accenture, underwriting specialists spend 40% of their time on non-core tasks, losing $85-$160 billion over the next few years. Traditional risk selection suffers from manual document management and data entry, unstructured data, delays in decision making and quotation — all leading to lost deals due to delays and unsatisfied customers.

By adopting advanced insurance underwriting systems powered with artificial intelligence, underwriters can leverage technology to the fullest extent.

Our Underwriting Workbench addresses the following key pain points:

  • Inaccurate risk appetite scoring and pricing
  • Manual processes, much time spent on administrative activities
  • Lost opportunities due to delays with quotes

We offer a ready-made insurance underwriting system powered with AI to help you build and automate workflows, improve decision-making processes, and do risk selection effectively.

AI-powered Underwriting Workbench — Discover our transformative solution for underwriting

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What underwriters can do on the platform

  • Get and monitor submissions
  • Get and monitor submissions
  • Use AI to handle intake and assess risks
  • Make data-driven decisions
  • Automate quoting
  • Find coverage of conflicts
  • Escalate complex cases with referrals
  • Manage underwriting authority
  • Focus with the help of personalized dashboards
  • Check account history
  • Collaborate with brokers
  • Create rules and set goals

Get and monitor submissions icon Get and monitor submissions

Underwriters have a helicopter view of all incoming submissions that include account and policy details, premiums, and statuses — all collected automatically from emails or other communication channels.

Handle intake and assess risks icon Use AI to handle intake and assess risks

Underwriters don’t need to work with unstructured documents. Instead, AI can handle all submissions, assess risk appetite, assign triage and winnability scores, and provide data-driven recommendations.

Make data-driven decisions icon Make data-driven decisions

Artificial Intelligence analyzes information to detect anomalies, shows risk indicators, and provides real-time insights. Underwriters get decision support from AI, which improves both the quality and speed of underwriting.

Automate quoting icon Automate quoting

Not to manually calculate quotes, underwriters can use AI to do pricing jobs and create more accurate quotes, reducing workload and quote turnaround time.

Find coverage of conflicts icon Find coverage of conflicts

Underwriters get alerts with built-in clash check and risk overlap detection. Timely notifications about policy conflicts, coverage duplications, and risks help them maintain a healthy portfolio.

Escalate complex cases with referrals icon Escalate complex cases with referrals

Underwriters can refer complicated submissions to more senior colleagues, providing all necessary details for an informed review.

Manage underwriting authority icon Manage underwriting authority

Underwriters can manage authority levels and special conditions via an intuitive dashboard, while handling tasks autonomously.

Personalized dashboards icon Focus with the help of personalized dashboards

Each underwriter gets a real-time overview of their tasks, account statuses, and performance against goals, which helps them prioritize tasks.

Check account history icon Check account history

From submission of information to communication records and performance metrics, underwriters have everything they need in one place to make informed decisions for each account.

Collaborate with brokers icon Collaborate with brokers

Underwriters can view broker profiles, submission history, KPIs, and authority levels to efficiently collaborate and monitor broker performance.

Create rules and set goals icon Create rules and set goals

To reduce repetitive work, underwriters can create custom rules that process standard cases automatically. They can also set and monitor goals to align with underwriting targets.

Top 3 use cases

Use case 1: Sorting, evaluating, and prioritizing incoming applications

Challenge:

Underwriters get dozens of submissions through emails daily, each with attachments in various formats. It takes a lot of time to manually review the submissions to determine if they fit the appetite.

Solution our Underwriting Workbench provides:

  • The system automatically extracts key information from emails and documents using natural language processing
  • Artificial intelligence assigns a risk appetite score, triage level, and winnability rating
  • Underwriters get a list of submissions prioritized with AI and know which application to move forward, postpone, or reject

Result:

Underwriting triage time is reduced by 70%, low‑fit risks are filtered out by the system, and underwriters can focus on high‑potential opportunities.

Use case 2: Enhancing quote accuracy and speed

Challenge:

Quoting commercial risks involves balancing several pricing models, business rules, and manual data entry, which causes errors and delays.

Solution our Underwriting Workbench provides:

  • Pre‑specified pricing rules and models assisted by AI can create quotes based on application data automatically
  • Built‑in business rules and clash checks indicate risks with conflicting coverage before quoting
  • Underwriters review, prepare, and send quotes within minutes

Result:

Quote turnaround time is enhanced by 50%, errors are reduced, and broker satisfaction increases due to quicker responses.

Use case 3: Managing portfolio risk and referrals

Challenge:

Underwriters handling a risk portfolio struggle to identify overlapping risks across accounts and lack easy ways to escalate borderline cases.

Solution our Underwriting Workbench provides:

  • The clash detection tool notifies underwriters of accumulation risks in a specific area
  • Underwriters refer the case to a senior colleague, attaching complete account details and supporting documents via the system
  • The authority dashboards ensure referral rules are followed, and the senior underwriter replies within the same system

Result:

Risk overlapping is detected before binding; the referral process is transparent.

Key value propositions

ai AI-driven intelligent decision support

Embedded AI capabilities analyze unstructured data, evaluate risk, identify anomalies, and surface decision-ready insights in real time. Underwriters get contextual recommendations to enhance risk selection, pricing accuracy, and overall underwriting quality.

AI-driven intelligent decision support

workflow Centralized workflow management

Handle every step of the underwriting journey from a single pane of glass. Our configurable workflows offer complete visibility into submissions, quotes, policies, and tasks—ensuring nothing slips through the cracks.

Account-centric 360° customer view Account-centric 360° customer view

Move beyond submissions. Get a holistic understanding of your accounts with access to full policy history, claims data, broker relationships, and current exposure. Make strategic decisions with a complete picture of the customer.

Account-centric 360° customer view

rpq Rate, price & quote automation (RPQ)

Speed up the quote process with AI-assisted pricing models and pre-configured business rules. Decrease manual work and inconsistencies while enhancing quote turnaround time.

Rate, price & quote automation (RPQ)

broker Delegated authority & broker portal

Support your distribution ecosystem with a unified portal for brokers and coverholders. Whether working with traditional brokers or managing general agents (MGAs) under delegated authority, the platform offers secure submissions, real-time collaboration, and access-level control tailored to each partner's role.

nps Clash check & risk overlap detection

Lessen portfolio risks with built-in tools that detect policy overlaps, conflicting coverages, and accumulations in real time. Protect your book and improve underwriting control.

broker AI-powered submission intake

Ingest unstructured submissions from email and documents leveraging natural language processing. Convert messy attachments into structured, actionable data.

broker Clause & wording library

Standardize policy language and maintain contract certainty with an intelligent clause library. Ensure regulatory compliance and accelerate document generation.

nps Seamless external integrations

Connect effortlessly to risk data providers, bordereaux processors, asset valuation sources, and more. Open APIs allow you to work within your ecosystem without disrupting core workflows.

Seamless external integrations

Want to learn more? Our team will showcase all the functionalities for you!

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Our Underwriting Workbench offers an AI Advisor

AI Advisor is an AI‑powered scoring engine designed as a microservice and integrated via REST API to help underwriters calculate score, consisting of the following components: triage, appetite, and win probability. To train models for an AI Advisor that will work specifically for you, we need 3000‑5000 historical data entries from your company.

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Components of our Underwriting Workbench

Benefits of our Underwriting Workbench

Why choose our Underwriting Workbench?

No more time-consuming processes in underwriting! Learn how to implement our platform

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Ready to transform your underwriting process?

DICEUS's individual and commercial insurance underwriting workbench is developed to help insurance professionals automate, streamline, and elevate the entire underwriting lifecycle. With AI‑powered insights, seamless integrations, and intelligent workflow management, your team can reduce manual effort, improve quote accuracy, and accelerate decision‑making.

Trusted by insurers, MGAs, and carriers across multiple lines of business, our solution is built to scale your needs, adapt to your underwriting strategy, and help you address the following challenges:

Thus, our team is ready to listen to your organization's needs and challenges and offer you the most effective solutions. On a demo call, we will demonstrate to you how our underwriting workbench works, what features it offers, and how it can be used to improve your operations.

FAQ

What is an Underwriting Workbench?

An Underwriting Workbench is a digital platform built to improve and modernize the insurance underwriting process. It acts as a centralized workspace that supports underwriters with AI‑powered decision‑making tools, automated workflows, and real‑time collaboration features.

What challenges does the Underwriting Workbench solve?

Firstly, the system harmonizes all messy data scattered across your documents, emails, and other assets to receive and process submissions appropriately. Secondly, it uses artificial intelligence to correctly evaluate risks and various factors affecting insurance coverage and price. Thirdly, this platform is a single place to keep all customer history in order to understand your clients better and offer them relevant quotes.

How to implement the Underwriting Workbench?

Our platform is easy to implement. We start with figuring out your underwriting journeys, internal and external data flows, and third‑party sources of data you use. Then, we proceed with building the proper workflows and configuring the platform to your specific requirements.

What key functionalities does the Underwriting Workbench provide?

The platform includes dashboards, submissions, accounts and policies, broker portal, goals and business rules, reports, and admin functionalities to do risk selection effectively. DICEUS' Underwriting Workbench Software enhances underwriting efficiency by offering:

  • AI‑driven risk analysis and intelligent decision support
  • A 360° view of each account, including full policy and claims history
  • Automated submission intake from unstructured sources like emails and PDFs
  • Integrated rate, price, and quote automation (RPQ)
  • Broker and MGA collaboration portals for seamless communication
  • Clash check and risk overlap detection to manage portfolio risk
  • Customizable rules and workflows to align with underwriting guidelines

Can the platform be integrated with external systems?

Yes, our software product can be integrated with other systems you use for underwriting purposes: external data sources, bordereaux processing solutions, asset valuation and risk data sources, and many more.

Is there any portal for brokers and coverholders?

Yes, our solution for underwriting provides a user‑friendly broker portal for collaboration, ensuring seamless quote creation and policy management.

How does artificial intelligence enhance decisions?

AI enhances underwriting by analyzing unstructured applications, finding anomalies, and creating respective recommendations. It calculates triage scores, assesses risk appetite, and indicates winnability, helping underwriters make more informed decisions faster.

What types of submissions can Underwriting Workbench process?

The workbench supports both structured and unstructured applications from various sources, including emails, PDFs, spreadsheets, and digital forms. It automatically extracts required data and structures it for review.

Does Underwriting Workbench work for all lines of business?

Yes, it is adjustable to support several lines of business across various types of insurance. Custom workflows, rules, and scoring models ensure flexibility across underwriting needs.

Can underwriters adjust their rules and workflows?

Absolutely, underwriters and admins can create and manage business rules, risk thresholds, referral triggers, and decision criteria to comply with business strategy and underwriting guidelines.

What kind of analytics and reporting does Underwriting Workbench provide?

The platform provides user‑friendly dashboards and reporting tools to track application trends, quote turnaround, underwriters' performance, brokers' activity, and portfolio health. Insurers can track:

  • Application and submission trends to monitor volume and channel efficiency
  • Underwriter performance, including task completion, risk scoring accuracy, and goal achievement
  • Broker and MGA activity to assess relationship value, submission quality, and engagement levels
  • Quote turnaround times to identify delays and improve response rates
  • Portfolio health, including exposure concentration, risk overlap, loss ratios, and overall book performance
  • These insights support continuous improvement in underwriting strategy, pricing models, workflow efficiency, and operational oversight.

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