Underwriting Support That Scales: Intake, Appetite, and Quote Prep with AI
Why Underwriting Needs a New Model
Across P&C insurance, underwriters face two pressures at once, submission volume is rising while experienced talent is harder to find. Most teams spend 60 to 70 percent of their time on data entry and cleanup instead of risk evaluation.
Selectsys BPO fixes that imbalance.
We combine domain-trained underwriting teams with Selectsys Tech’s AI automation layer to handle intake, classification, and quote preparation inside your AMS or policy system. Your underwriters focus on judgment, we handle everything that slows them down.
AI-Driven Intake That Prepares Every Submission
Each submission arrives in a different format and quality level. Our AI engine normalizes that chaos automatically:
- Document recognition: AI identifies forms, exposure schedules, and loss runs.
- Field extraction: Key values such as named insured, class codes, payroll, and limits populate structured fields.
- Completeness checks: Missing information triggers automated alerts to producers for correction.
- Routing: Submissions move to the right program and underwriter based on LOB and territory.
This cuts intake time from hours to minutes and eliminates manual sorting.
See how this ties into our full cycle in Policy Lifecycle BPO.
Appetite and Eligibility Screening
AI compares incoming risks against each carrier’s appetite and authority rules:
- Acceptable states, classes, and limits.
- Decline or refer conditions for specific risk types.
- Prior loss thresholds and policy history.
Only eligible submissions reach the underwriter’s queue. This reduces non-productive quotes and improves bind ratios across the board.
Quote Preparation with AI and Human Precision
Once validated, Selectsys creates quote files directly inside AMS360, Applied Epic, or Expert Insured:
- Prefill: AI populates rating inputs using structured data.
- Form linking: Required forms attach automatically per LOB and carrier.
- Checklist control: Every quote meets program requirements before submission.
- Dual QA: AI verifies accuracy; a licensed analyst confirms completion.
Underwriters receive ready-to-review quotes with no data cleanup required.
Collaboration Inside Your System
Our teams work directly in your AMS record:
- Add notes, tasks, and attachments visible to your underwriters.
- Use in-system messaging for clarifications instead of emails.
- Maintain audit visibility for each action taken.
Nothing leaves your environment, governance and speed stay in sync.
AI-Enhanced Risk Insights
Beyond task automation, Selectsys Tech generates decision insights for underwriters:
- Benchmark comparisons: How similar risks performed historically.
- Loss pattern summaries: AI reads loss runs and flags frequency or severity issues.
- Exposure trend analysis: Identifies outliers in payroll or property values.
These insights support better pricing and risk selection without slowing down workflow.
Why AI and BPO Together Outperform Staff Augmentation
Staffing firms add capacity; Selectsys adds capability. Our AI layer removes manual work before humans touch a file, so teams process more submissions without adding headcount.
- Faster turnaround means more quotes per day.
- Cleaner data means fewer re-quotes and errors.
- Consistent structure means easier carrier audits.
That’s why our clients scale production by 40 percent on average within the first quarter.
Metrics and Reporting
Managers see real-time dashboards:
- Submission volume and cycle time.
- Hit ratio by carrier and class code.
- Decline reasons and rework rates.
- SLA adherence for intake and quote prep.
Data feeds directly into Program Analytics: Measuring What Matters for organization-wide visibility.
Implementation Roadmap
| Phase | Duration | Deliverable |
|---|---|---|
| Process Mapping | 1 week | Underwriting SOPs and rules library |
| AI Model Training | 1 week | Classification and validation logic |
| System Integration | 1 week | AMS workflow connection |
| Pilot Deployment | 1 week | Live processing with QA feedback |
By week four, underwriters receive clean, validated files ready for decision within minutes of submission.
Business Impact
- 50 % reduction in underwriter administrative time.
- 35 % increase in quote output per analyst.
- 25 % higher hit ratios from cleaner submission quality.
- 100 % audit visibility and AI QA compliance scoring.
Automation and domain expertise combine to deliver true scalability.
Get Started
Your underwriters should focus on risk selection, not retyping data. Let Selectsys handle intake, validation, and quote prep so your team can underwrite at scale.
Request a Demo or Start a Pilot to see AI-powered underwriting support in action.
Frequently Asked Questions
Can Selectsys support both retail and MGA underwriting?
Yes. We customize workflows for carriers, wholesalers, and retail agencies.
Do underwriters still control final decisions?
Always. AI assists with data and rules, not judgment.
How is data secured?
All work occurs within your AMS with role-based access and SOC-2 compliance.
Can Selectsys handle multiple carriers and programs?
Yes. Carrier-specific rules load automatically at intake.
What is the average turnaround for quote prep?
Most submissions are ready for underwriter review within 4 hours of receipt.
Appetite & routing is the bridge to quoting in our Value Flywheel.
