The AI Underwriter
A new kind of colleague that arrives with underwriting expertise, learns each carrier's appetite, never forgets a decision, and knows the next best action on every submission.
Context, Rationale, Next Step.
All There.
Submission arrives.
The AI Underwriter is already on it.
Extracts data from every submission, complex SOVs, loss runs, and beyond. Pulls in online research and third party data so nothing relevant slips through. Surfaces findings against your appetite.
Knows what the next best action is, every time.
Suggests the next best action, on every submissions from referring to higher authority to broker follow ups needed. Takes action when given authority to do so.
Not just the risk. The broker, the book, the fit.
Pulls in broker context and portfolio fit alongside recommendations. Underwriters see not just the risk, but whether it belongs in the book right now.
Alongside every underwriter, on every submission.
Underwriters provide direction, guide exceptions, and remain accountable for how the AI Underwriter is governed. It is not replacing the decision, it is shaping the path to one.
What Customers Are Saying
For more junior underwriters it’s a powerful companion that gives them the perspectives of a more experienced underwriter and accelerates their development. Even veteran underwriters who are a little more skeptical of new technology, see the tool as an added layer of intelligence.
Melissa Butt
Vice President E&S Brokerage, Property
@Skyward Specialty
Sixfold helps us quote risks in minutes instead of days or in some cases weeks. The work gets better for our underwriters. What sets Sixfold apart is how they build their product, alongside underwriters, shaped by how the job really works. That is why we believe they are building the future of underwriting.
Matthew Richardson
Global Head of Operations & IT
@Generali GC&C
The AI Brain Behind Better Underwriting
The AI Underwriter is powered by Sixfold's Underwriting Brain: pre-loaded with underwriting knowledge that makes day one value possible. Understands the logic of how to think through risk the way an experienced underwriter does.
What Insurers Are Seeing
90%
And higher adoption rates
15%
Increased quote-to-bind ratios
30%
More GWP per underwriter
Built For The Entire Book
From property and casualty to cyber, specialty, and E&S, the AI Underwriter works across the lines your team is responsible for, and adapts to the appetite, classes, and judgment each one requires.
Works Standalone or Within Current Systems
The AI Underwriter can run on its own or plug into your existing tools such as workbench or policy admin system.
We've Got Answers
It is submission-ready on day one. Upload your guidelines and appetite documents and the AI Underwriter converts them into a working configuration in minutes.
Each carrier operates in its own isolated environment, one carrier's book never trains another's. Sixfold is SOC 2 Type II certified and GDPR compliant.
You define what it's allowed to do, by line, by risk size, and by action type. Submissions keep moving until they hit a boundary that requires human approval.
For junior underwriters, it acts as a more experienced colleague, surfacing context and judgment they're still building. For senior underwriters, it's an added layer of intelligence that lets them move faster and make more confident decisions on every submission.
Yes. For a small MGA writing complex specialty risks, it makes growth possible without hiring ahead of revenue. For a global carrier, it brings consistent evaluation across every submission, with richer context and better visibility into distribution and book performance.
Most solutions solve one part of the problem: digitalizing submissions, surfacing analytics, or summarizing what's in a file. The AI Underwriter reasons across all of it, bringing in distribution and portfolio context while working the submission itself from intake to quote.
Rules-based systems only do what they're programmed to do. The AI Underwriter reasons across submission data, broker history, portfolio context, and your guidelines simultaneously, and updates as decisions and outcomes accumulate.