A decision on 400+ pages, in minutes.
The Underwriting Workbench reads the whole application bundle — 17 document types — checks every finding against a range, cites it to source, and returns a priced, auditable recommendation. Straight-through where it's clear; the senior underwriter's judgment where it isn't.
UW-2026-01184 · Life + CI
Medical risk assessment
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Straight-through
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Doc types classified
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Explainable
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Pages per case
Inside the workbench
From a bundle of documents to a priced, auditable decision.
Six stages, each a specialized step — and a clear line where the model recommends and the underwriter decides.
Ingest the bundle
The full application lands — forms, medical exams, labs, attending-physician statements, hundreds of pages.
Classify 17 doc types
Every document sorted and routed; nothing read out of context.
Extract + cite the page
Structured findings pulled from mixed-format, multi-language PDFs — each traced back to where it was read.
NIGO completeness
Not-in-good-order gaps flagged up front, so cases don't stall late.
Risk score — EPM + table
Signals summed into extra mortality per mille and a substandard table rating.
Decision + pathway
A recommended action with the full audit trail — or a routed referral.
Recommended actions
Eight outcomes — not just accept or decline.
Two pricing levers
Priced the way underwriters actually price.
EPM — Extra Mortality Per Mille
Signals sum into a banded outcome — Absorb · Loaded · Decline — so borderline risk is priced, not bounced.
Substandard table rating
Debits convert to a percentage or table (25 debits = +25% = Table 1; +100% = Table 4), plus any flat extra per mille.
Explainable by design
Every loading traces to a rule and a guideline section.
Nothing is a black box. Each finding is checked against a range and cited to the page it was read from; each debit points at the rule and guideline that produced it. High-confidence cases auto-issue — everything else routes to a senior underwriter, whose override is captured with a reason code so the model learns.
Underwrite in minutes, stand behind every decision.
See the Workbench run a real application bundle end to end — with the full audit trail.