Autonomous AI Agents for Underwriting
Underwriting decisions
Interpretation variance
Autonomous execution
Autonomous AI Agents for Underwriting
Underwriting decisions
Interpretation variance
Autonomous execution
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What Is Agentic Underwriting Automation?
Underwriting is the highest-stakes, most error-prone process in insurance. Every submission touches dozens of systems, formats, and human handoffs, and every manual touchpoint introduces risk: miskeyed data, missed term changes, inconsistent decisions, compliance gaps. The more tools you layer on top, the more fragmented it gets.
Otera replaces that patchwork entirely. Specialized AI agents run every stage autonomously, from broker submission through bind and system-of-record sync, under continuous governance. Underwriters set the rules and intervene where true judgment is required. Everything else executes at machine speed, with full auditability.
Meet Otera’s AI Agents for Underwriting Automation
Our agentic system includes specialized, configurable AI agents designed for insurance underwriting, already prepared with real-world submission data, and built for compliance and accuracy at scale.
The impact
Underwriting relationships are won or lost before risk is ever assessed. Submissions arrive as chaos: five emails over three days, mixed languages, contradictory attachments, missing schedules. This agent reconstructs a complete, canonical submission from that fragmentation, so underwriting begins from full context rather than partial guesswork.
How it works
- Assembles submissions across emails, portals, and channels, even when materials arrive days apart from different senders with conflicting document versions
- Validates completeness against line-specific requirements, flagging missing schedules, unsigned slips, or absent loss runs before the submission enters the queue
- Classifies line of business, region, and treaty vs. facultative placement from unstructured content
Why it matters
This agent eliminates the single largest bottleneck in underwriting operations. Every hour spent reconstructing submissions is an hour not spent on risk. During renewal season, that bottleneck compounds into multi-week backlogs and strained broker relationships. This agent compresses pre-assessment from days to minutes, making your operation the fastest to work with on every placement.
The impact
Pricing accuracy starts with data accuracy, and underwriting data is almost never presented cleanly. Risk details, limits, and premiums are scattered across slips, schedules, and endorsements in layouts that differ by broker and region. This agent extracts and structures that information from any format, producing automation-ready records where manual rekeying would take an experienced underwriter 30 to 45 minutes per submission.
How it works
- Interprets complex layouts using multi-step vision: tables breaking across pages, merged cells, nested sub-schedules, and borderless grids where column alignment is the only structural cue
- Handles 50+ page schedules of values with inconsistent headers, embedded annotations, and handwritten marginalia
- Maps multi-section values into structured records normalized for validation and pricing
Why it matters
This agent removes the largest silent drain on underwriting economics. Every miskeyed limit or transposed deductible cascades into pricing errors, coverage disputes, and E&O exposure that surfaces months after bind. Clean data at first touch eliminates that entire risk category.
The impact
No two brokers format submissions identically. Currencies, date conventions, naming structures, and field layouts vary between brokers and even between offices within the same brokerage. This agent standardizes every value so submissions align with your systems without manual translation, eliminating interpretation variance before it can compound through pricing and validation.
How it works
- Resolves format ambiguities contextually, determining whether “01/02/2025” means January 2nd or February 1st based on broker jurisdiction, submission history, and field analysis
- Harmonizes naming conventions and field structures so a London submission and a Singapore submission for the same coverage class arrive in your pricing engine identically
- Flags values that are inconsistent, contradictory, or missing rather than passing them downstream silently
Why it matters
This agent eliminates one of the most underestimated sources of underwriting friction. Format reconciliation today happens in an underwriter’s head, undocumented and unrepeatable. At scale, that interpretation drift consumes senior capacity on low-value work and introduces variance no audit can trace.
The impact
Speed to quote determines who wins the placement. When a broker submits to multiple markets, the insurer that returns a well-structured quote fastest captures the business. Today, the gap between “decision made” and “quote delivered” stretches to days as pricing inputs are assembled manually across disconnected systems. This agent collapses that gap to minutes.
How it works
- Assembles validated risk data, normalized terms, and assessment signals into pricing inputs aligned with your rating engine, including multi-currency programs with layer-specific premium allocation
- Applies configurable rating rules, loading factors, and underwriting adjustments by line, risk class, and portfolio strategy
- Generates broker-ready quote documents in market-specific formats with full supporting rationale attached
Why it matters
This agent converts underwriting speed into revenue. Every day between decision and delivery is a day a competitor can win the placement. By connecting upstream validation directly to your pricing infrastructure, quotes reach brokers while competitors are still assembling theirs.
The impact
Authority management is the most governance-sensitive step in underwriting and the most friction-prone. When referrals are managed through email chains, submissions sit in invisible queues, deadlines pass without escalation, and compliance trails are incomplete. This agent orchestrates the full approval workflow with deterministic routing, real-time tracking, and complete auditability.
How it works
- Maps submissions against your authority matrix including jurisdiction-specific rules, determining approval levels, referral triggers, and committee thresholds
- Routes requests with full context: validation results, risk outputs, proposed terms, and the specific data that triggered referral
- Escalates automatically when sign-offs approach SLA deadlines or approvers are unavailable
Why it matters
This agent turns authority management from a governance liability into a competitive advantage. Untracked referrals during peak periods represent both regulatory risk and lost placements. Deterministic routing ensures approval cycles are measured in hours, governance is complete, and the audit trail satisfies internal compliance and external regulators.
The impact
The final mile of underwriting is where administrative friction quietly creates the most expensive errors. Data is rekeyed from approved slips into the PAS. Accounting entries are created manually. CRM records are updated by a different team on a different timeline. This agent executes bind instructions directly from the governed pipeline, eliminating every rekeying step between approval and policy issuance.
How it works
- Populates policy administration systems with validated, normalized data from the agentic pipeline with no manual re-entry
- Syncs bound policy data to CRM, accounting, bordereaux, and reporting platforms in real time
- Generates and distributes bind confirmations to brokers and stakeholders, logging every update for end-to-end audit traceability
Why it matters
This agent eliminates the data divergence risk that creates reconciliation nightmares during audit and E&O exposure when policy records do not match bound terms. The policy record in every downstream system matches exactly what was approved, preserved in a single governed ledger.
Autonomous Agents for Underwriting
Adaptable Across All Underwriting Scenarios
Property
Massive schedules of values, exposure aggregations, and Nat Cat modeling inputs governed end-to-end.
Energy
Highly technical slips with region-specific risk structures and regulatory requirements normalized instantly.
Aviation
Fleet-wide hull and liability terms validated across jurisdictions with specialist-grade precision.
Financial Lines
D&O, PI, and cyber renewal terms compared across policy generations with full traceability.
Casualty
Multi-party, long-tail liability submissions verified against complex coverage and exclusion structures.
Reinsurance
Treaty layers, ceding structures, and multi-cedant submissions harmonized under one governed engine.
Velocity for Your Automation Team, Governance for Your Underwriting Team
For your Automation Team: Build and scale underwriting automation fast
A unified platform where guardrails are defined once and applied everywhere:
Before Otera
- Manual stitching and shadow automation
- Slow multi-day delivery cycles
- Guardrails rebuilt per workflow
- Unpredictable turnaround across submission types
With Otera
- End to end autonomous underwriting execution
- Hours underwriting decisions across all submissions
- Guardrails defined once, applied everywhere
- Predictable delivery from configuration to production
Time to Production
Clone new lines
Component reusability
For your Underwriting Team: Governed, consistent underwriting decisions
An autonomous underwriting process with predictable turnaround times and full compliance that frees specialists for pricing and risk analysis:
Before Otera
- Multiple tools with inconsistent governance
- Limited auditability across decisions
- Inconsistent risk decisions across regions
- Compliance burden consuming senior capacity
With Otera
- One governed platform across all tools
- Full observability across every decision
- Consistent, explainable logic across regions
- Senior capacity freed for risk judgment
Underwriting Decisions
Capacity
Post-Validation Accuracy
Get Unlimited Capacity at Lightspeed and at a Fraction of Current OpEx
Run underwriting as an autonomous process while preserving governance, transparency, and human oversight.
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Fastest quote wins the placement
Your quote reaches brokers before competitors assemble theirs.
Consistent service retains broker volume
Every broker, every submission, same governed quality.
New markets live in weeks
Lines, regions, and formats deployed without hiring.
Autonomous from submission to bind
Most submissions progress without manual handling.
Near-zero marginal processing cost
Peak volumes absorbed at fractional operating expense.
Governed consistency every single time
Every rule applied deterministically across every submission.
The Autonomous movement has already begun
The world’s most regulated industries already use Otera for proven 90%+ end-to-end automation on mission-critical operations:
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100+ Prebuilt Agents for Insurance
Deploy instantly across intake, validation, settlement, and customer communication workflows.
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Slip intake agent
Reconstructs canonical submissions from fragmented, multi-channel broker communications.
Limit and deductible agent
Normalizes complex limit hierarchies across currencies and conventions.
Premium breakdown agent
Processes multi-currency premium tables, layers, and brokerage components.
Coverage term agent
Harmonizes multi-clause coverage structures across jurisdictions and perils.
Risk exposure agent
Structures accumulation and entity data for portfolio-level assessment.
Policy review agent
Surfaces coverage gaps and renewal discrepancies with audit traceability.
Connect your existing infrastructure
Pioneering secure Agentic Automation
Trusted by leading Fortune 500 companies, Otera delivers best-in-class cyber security, data privacy and user trust with extensive encryption and infrastructure protection.
