Insurance Underwriting
Organize an insurance submission, validate risk evidence, and prepare a review package for an underwriter.
WORKFLOW BOUNDARY
Starts: when an insurance submission and required supporting records are received.
Uses: application data, policy and product rules, verified risk evidence, prior records, and underwriting guidance.
Agent work: extract and validate inputs, organize risk factors, apply approved guidance, and flag exceptions.
Stops: when an authorized underwriter reviews the submission and makes the decision.
Excludes: binding coverage, changing underwriting policy, or making the final risk decision.
Before: underwriters gather submission data, review documents, compare guidance, and document gaps manually.
After: submission evidence and rule results are organized into a traceable review package.
Underwriters approve guidance, overrides, conditions, and decisions. Missing, conflicting, or out-of-appetite cases are escalated.
