Underwriting Shouldn’t Be a Bottleneck —
It Should Be a Growth Engine.

Digitize and Accelerate Risk Decisions with AI-Powered Smart Underwriting Systems.

Why Traditional Underwriting Is Slowing Down Insurance Growth

In today’s fast-moving insurance landscape, slow, manual underwriting leads to lost deals, churn, and rising claims risk.

0 %

 of insurers cite manual underwriting as a top barrier to scale in digital channels

0 %

of policyholders abandon applications when approvals take longer than 24 hours

What Smart Underwriting Must Deliver in Insurance Today

Next-gen underwriting needs to be automated, dynamic, data-driven, and explainable — across life, health, motor, and group segments.

Unified Underwriting Engine

Centralize all logic — rules, scoring models, referral triggers — into one configurable platform

AI-Based Risk Scoring

Analyze applications using ML trained on historical data, claims behavior, medical history, and lifestyle markers

Pre-Issuance Fraud Detection

Flag synthetic IDs, mismatched declarations, or high-risk behavior before approval

Dynamic Rule Configuration

Launch or tweak underwriting rules per product, geography, partner, or channel — without code changes

Multi-Channel Journey Integration

Enable embedded underwriting across D2C, POSP, agent portals, and partner APIs

Medical & Financial Data Integration

Auto-pull from bureaus, diagnostic labs, wearables, hospitals, and financial aggregators

Referral Workflow Automation

Auto-route exceptions to underwriters with reason codes, prioritization, and document tagging

Explainable AI & Audit Trails

Generate justifications for every automated or manual decision — logged for IRDAI, reinsurers, and internal audits

Underwriting isn’t just risk assessment — it’s the moment where customer experience meets business profitability.

Why INT. Builds Smart Underwriting Engines That Balance Speed with Trust

We combine domain-specific AI, rule engines, and automation to help insurers achieve scalable, compliant underwriting — with better outcomes.

Product-Wise Configuration Framework

Build underwriting journeys per product: Term, Health, ULIP, Group, Motor, Commercial Lines

Real-Time Scoring + Threshold Models

Combine static logic (FOIR, BMI, age) with adaptive models that learn from claim triggers and churn behavior

Prebuilt Integration Layer

Connect with medical underwriters, APS partners, PAN/Aadhaar verification, financial scorecards, and labs

Role-Based Underwriter Dashboards

Prioritize cases, view flagged variables, initiate telemedical steps, or request documents — all in one screen

TAT Management & SLA Alerts

Auto-track aging, send escalation nudges, and track approval rates across branches, zones, and partners

Reinsurer Data & Rule Exports

Share model logic, claim ratios, approval trends, and risk distributions in reinsurer-ready formats

INT. helps you transform underwriting from a delay point into a competitive edge — smarter, faster, and regulator-aligned.

case studies

Proof That Speaks

Featured

57%

reduction in time to approve standard proposals below ₹25L sum assured

46%

improvement in risk score precision by blending ML models with traditional rule sets

Get a Free Underwriting Journey & Decisioning Audit

Let’s assess the speed, accuracy, and auditability of your current underwriting workflows — and identify where intelligence can unlock scale.

You’ll receive:

  • Application flow and dropout mapping
  • Rule engine and referral logic audit
  • Risk score model coverage and performance summary
  • Compliance, audit, and decision traceability checklist
WHO WE ARE

At INT., excellence and innovation drive everything we do.

We go beyond maintaining operations—we empower businesses with data, insights, and best practices to stay ahead in an ever-evolving digital landscape.

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