The AI Underwriter For Life & Health
An AI agent that applies underwriting judgment to complex case analysis and delivers a clear recommendation, with the rationale behind it.
Medical findings, appetite-aligned assessments, and recommendations, all in one place.
Submission lands, the AI Underwriter begins the review.
Evaluates applications, medical records, and financials against the underwriting manual. Classifies each case from standard to complex.
A faster first look.
Simplifies triage with Narrative, a tailored one-pager covering the key details of a case, reducing unnecessary APS pulls and requests for more information.
Clear next steps, in every case.
Surfaces the key impairments with cited sources. Flags what's missing and delivers appetite-aligned rationale and recommendation: rating, refer, decline, or postpone.
Drives confident, consistent decision-making.
Every relevant impairment is rated and accounted for. See exactly how each one adds up to the case's overall table rating.
Built to work alongside underwriters.
Underwriters can ask follow-up questions, guide the agent, and adjust recommendations. They're the ones who own the final call.
Works with your existing systems
The AI Underwriter works where underwriters work. It can run on its own or plug into your existing workbench and policy admin systems.
What customers are saying
“Sixfold reduces underwriter review time by 50% for Guardian”
Head of Individual Markets Underwriting Transformation
“Sixfold has helped our team save time by not having to manually chase down page references and missing details in medical reports. We’ve seen a 55% reduction in time to evaluate a case.”
Head of Underwriting at ClearView Wealth Limited.
HIPAA, SOC 2, and GDPR certified with single-tenant environments for confidentiality
AI you can Trust
See our approach to responsible AI:
What Insurers Are Seeing
55%
Faster case processing
30%
More premium written per underwriter
45%
Faster onboarding of new underwriters
Built To Adapt To Every Line.
The AI Underwriter works within the appetite, classes, and judgment each line requires, whether that's term life, disability income, long-term care, or critical illness.
Structured Settlements
Individual Life
Individual Disability Income
High Net Worth
Critical Illness
We've Got Answers
Insurers define the manual it works against, by product, by line, and by class. Every recommendation is shown with its rationale, and underwriters can ask follow-up questions, guide the agent, or adjust any rating or recommendation before it's finalized.
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 case.
Yes. For a smaller carrier or MGA, it makes growth possible without hiring ahead of new business. For a global carrier, it brings consistent evaluation across every case, with richer visibility into book performance.
Most solutions solve one part of the problem: digitizing records, surfacing analytics, or summarizing a file. The AI Underwriter reasons across all of it, applying your underwriting manual the way an underwriter would, from intake to recommendation.
Rules-based systems only do what they're programmed to do. The AI Underwriter reasons across medical records, impairments, and your manual simultaneously, flagging not just what's present but what's missing.