Submission Triage AI for Insurance Operations
Submissions arrive fast, but not all are ready to quote. Missing details, wrong class codes, or incomplete forms slow everything down. Selectsys Submission Triage AI scores each incoming submission for completeness, applies appetite and credential rules, and routes it to the correct queue for action inside RQB, Expert Insured (EI), or BPO pods.
Cycle time improves by 20 to 35 percent and return rates drop by up to 50 percent.
How Submission Triage Works
Each submission runs through three automated checks before it ever reaches an underwriter or BPO team.
- Completeness Scoring – Detects missing fields such as effective date, address, class, or limits.
- Appetite Evaluation – Applies rules by line of business, state, limit, and producer credential.
- Routing – Sends the submission to the correct RQB, EI, or BPO queue based on confidence score and priority.
This ensures only qualified, ready-to-quote files reach underwriting.
Integrating with AI OCR, RQB, and EI
Submission Triage connects directly with other Selectsys components:
- AI OCR supplies the structured data extracted from PDFs and emails.
- RQB receives only ready submissions with complete data for quoting and binding.
- EI (Policy Admin and Forms) tracks every triaged file with audit and status tags.
- BPO Pods receive the outliers for manual review, ensuring nothing gets lost.
Every decision and route is logged for full transparency and SLA tracking.
Appetite Rules and Credential Routing
Rules can be configured by:
- Line of business
- State or region
- Producer credentials or authority
- Carrier appetite thresholds
- Historical hit ratio or loss performance
When an incoming submission matches rules for a preferred market, the triage engine pushes it straight to that carrier or internal team. Non-fit risks are routed to alternate queues for remarketing.
Interlooping with the Value Flywheel
- ← AI OCR: provides the extracted data needed to score completeness.
- → RQB: sends ready-to-quote submissions for automated rating.
- → EI (Forms System): attaches triage decisions and audit logs to the policy record.
- → BPO Pods: routes incomplete or exception cases for manual handling.
- ← Analytics & PQI: feeds data on triage accuracy, queue time, and hit ratio lift.
This forms the second node of the Selectsys Value Flywheel, closing the intake gap between submission and quote.
Real-World Use Cases
- MGA intake desks filtering thousands of daily broker submissions.
- Carrier operations teams enforcing appetite rules across multiple states.
- Wholesalers routing incomplete submissions to off-hour BPO pods.
- AI-driven queue management for faster quoting turnaround.
Results and KPIs
- Cycle time reduced by 20 to 35 percent
- NIGO and return rate reduced by 30 to 50 percent
- Hit ratio increased by 3 to 7 points
- Complete audit trail on routing and decision paths
Security and Compliance
Operates within SOC 2 Type II certified infrastructure.
Every route and exception is logged and reviewable.
Data is encrypted in transit and at rest.
Supports credential-based routing for each client environment.
Start a Pilot
A Submission Triage pilot can be launched in 7 to 10 business days using your own sample submissions, carriers, and SLAs.
Related Reading
- AI OCR
- AI Assist (Underwriting Copilot)
- RQB
- Expert Insured (Forms System)
- Insurance BPO
- Value Flywheel Hub
FAQs
What is Submission Triage AI?
A rules-driven engine that scores submissions for completeness and routes them by appetite and credentials.
How does it integrate with RQB and EI?
Submissions that meet completeness and appetite rules are pushed to RQB for quoting and tracked in EI with full audit trail.
What happens to incomplete or non-fit submissions?
They are automatically assigned to BPO pods for manual follow-up or re-routing to alternate markets.
How long does setup take?
7 to 10 business days for a scoped workflow pilot with your own rules and carriers.
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