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    INSURANCE · UNDERWRITING

    From 5 Days to 4 Hours. Documents In. Risk Report Out.

    AI reads applicant documents, extracts risk signals, applies policy rules, and drafts a decision-ready underwriting report. Underwriters focus on judgment, not data entry.

    Fluid AI PlatformReady for Review · 3m 48s
    APPLICANT SUMMARY
    Age: 38 | Engineer | Non-smoker
    BMI: 23.4 | Stable health profile
    _
    5 days → 4 hrs

    Risk assessment time

    100%

    Documents auto-processed

    Any format

    Medical, financial, prior claims

    Real-time

    Policy rule application

    Deployed at global insurers
    IRDAI and jurisdiction-aware
    Any document format
    Real-time policy rule engine
    AI AGENT WORKFORCE

    Four Agents. One Applicant Fully Assessed.

    From document intake to decision-ready memo, each agent handles a distinct phase of underwriting with full explainability.

    Document Extraction AI

    ANY FORMAT

    Medical reports, financials, and prior claims history extracted without manual entry. Every data point structured and ready for risk scoring.

    • Extracts structured data from medical reports, lab results, and financial documents
    • Handles non-standard, handwritten, and multi-language medical and hospital documents
    • Coverage across all Indian hospital discharge summary and lab report formats
    • Data flows directly to the risk scoring engine — zero manual transcription required

    Risk Analysis AI

    DIFFERENTIATOR

    500+ risk signals scored using your actuarial guidelines and product rules. Full explainability — every factor cited and every score justified for the underwriter.

    • 500+ risk signals scored using your actuarial guidelines and product-specific underwriting rules
    • IRDAI-compliant risk classification with premium loading recommendations per applicant
    • Full explainability — each signal shows its weighted contribution to the final risk score
    • Multi-jurisdiction support: IRDAI, FCA, and NAIC rule sets configurable per product line

    Memo Drafting AI

    REVIEW READY

    Complete underwriting memo drafted in minutes with risk findings, policy citations, and recommendation. Underwriter reviews reasoning, not just output.

    • Complete underwriting memo generated in minutes with risk findings and recommendation
    • Exact policy rule and IRDAI guideline citations for every loading or exclusion applied
    • Underwriter reviews the full reasoning behind each recommendation — not just the outcome
    • Editable draft — underwriter retains full authority to accept, modify, or reject

    Compliance Cross-Check

    ZERO MISSES

    Every underwriting recommendation validated against IRDAI norms and product-specific rules before it reaches the underwriter. Zero regulatory misses.

    • Every recommendation validated against current IRDAI norms before delivery
    • KYC completeness and AML check results included in every underwriting memo
    • Product-specific exclusion rules enforced automatically per product line and jurisdiction
    • Full compliance audit trail maintained for every applicant and every decision
    CAPABILITIES CATALOG

    Five Modules. One Intelligent Brain.

    Click each module to explore what it connects to and what it can do for your team.

    DOCUMENT INTELLIGENCE

    All Submission Docs. Extracted in Under 30 Minutes.

    AI reads every document in the submission — medical records, financial statements, lab reports, KYC — extracts structured data, and validates it against underwriting requirements.

    SUPPORTED
    Medical RecordsFinancial DocsKYCLab Reports
    Processing time
    < 30 min
    Extraction accuracy
    94%
    EXPLAINABILITY

    Every Recommendation Explained, Every Decision Audited.

    AI in underwriting is only as good as your ability to stand behind it. Every signal, every rule, every recommendation is cited — so your underwriters review reasoning, not just outcomes.

    Policy Rule Citation
    Every loading factor and exclusion cites the exact IRDAI guideline that triggered it.
    Signal-Level Transparency
    Each risk signal shows its individual weighted contribution to the final score. No black box.
    Full Audit Trail
    Every AI recommendation and underwriter decision logged with timestamps and rule version.
    FLUID AI · UNDERWRITING ENGINE
    LIVE
    APPLICANT
    Ramesh K.  ·  Age 38  ·  Engineer  ·  ₹1 Cr Term Life
    RISK SIGNAL ANALYSIS
    BMI Index · 23.4LOW
    CIBIL Score · 812CLEAN
    Blood Pressure · 130/85WATCH
    Family History · CardiacCITED
    RECOMMENDATION
    APPROVE+8% loading4yr waiver
    CITED RULE
    IRDAI/UW/2024/Sec-4.2 — "Premium loading applicable
    where resting BP exceeds 128/84 for applicants aged 35–45.
    Maximum loading: 12%. Applied: 8% (occupation offset)."

    Live simulation · Replays every 7 seconds

    PROVEN IMPACT

    Numbers From Live Deployments.

    Measured outcomes across insurers who have deployed Fluid AI Underwriting in production — not benchmarks, not pilots.

    75%
    Reduction in underwriting cycle time
    5 days → 4-hour median
    85%
    Straight-through processing rate
    Standard-risk cases, no human touch
    94%
    Risk assessment accuracy
    vs. senior underwriter decisions
    40%
    Lower loss ratio within 12 months
    Across deployed insurer portfolios

    Document-to-Decision in 4 Hours

    From raw applicant submission to a complete, decision-ready underwriting report in under four hours. Medical, financial, and bureau data structured and scored automatically — no analyst rework.

    Risk Signals Across 8 Data Sources

    Medical reports, CIBIL bureau data, prior claims history, KYC records, actuarial tables, and family history — all pulled and cross-referenced in real time before the underwriter opens the file.

    Underwriter Focus Shifts to Judgment

    AI handles data extraction, risk scoring, and draft report generation. Underwriters spend their time on complex edge cases and portfolio strategy — not data entry or document chasing.

    ARCHITECTURE

    Every Data Source. One Intelligence Layer.

    FLUID AI CORE
    Reasoning · Memory · Tools
    Medical Reports
    Financial Docs
    Prior Claims
    Policy Admin
    Actuarial Rules
    CIBIL / Bureau
    KYC Data
    Family History
    UnderwritersChief UnderwriterRisk Head
    THE DIFFERENCE

    5 Days of Manual Work. vs. 4 Hours of AI.

    TRADITIONAL PROCESS
    Day 1
    Collecting docs manually from applicant and third parties
    Day 2
    Manual data entry into the underwriting system
    Day 3
    Analyst rebuilding document structure and risk profile
    Day 5
    Still revising the report. No SLA in sight.
    WITH FLUID AI
    Hour 1
    Docs uploaded. All data extracted. Risk signals identified.
    Hour 2
    Risk signals scored. Policy rules applied. Actuarial check done.
    Hour 3
    Memo drafted with recommendations, exceptions, and references.
    Hour 4
    Ready for underwriter review. One click to approve.
    DEPLOYMENT TIMELINE

    Live in Weeks, 4-Hour SLA in 3 Months.

    1
    Week 1

    Policy Admin Connected

    Rules engine, applicant data, and prior claims integrated

    2
    Week 2

    Document AI Live

    Medical reports and financials extracting in real time

    3
    Week 4

    Risk Engine Active

    Actuarial scoring and memo drafting running end to end

    4
    Month 3

    4-Hour Assessment SLA

    Consistent 4-hour underwriting cycle across product lines

    GET STARTED

    Documents In. Risk Decision Out. No Queue.

    Deploy underwriting AI across every applicant, every policy, every jurisdiction.

    FAQ

    Frequently Asked Questions.

    Fluid AI's document extraction handles unstructured, non-standard, and handwritten medical reports. The system understands clinical terminology across specialties and can extract risk-relevant data even from narrative discharge summaries, lab reports without fixed templates, and physician letters. Training covers pan-Indian hospital formats.

    Yes. The risk scoring engine is configurable to apply IRDAI actuarial guidelines and product-specific underwriting rules. Every recommendation is accompanied by the policy rule that drove it, creating a full audit trail for regulatory review. Jurisdiction-specific norm updates are applied centrally.

    Fluid AI connects to all major policy administration systems including Duck Creek, Majesco, FINEOS, and proprietary platforms. Integration uses secure APIs, SFTP, or direct database connectors. A typical integration takes 2 to 4 weeks. Policy rule configurations remain in your system and are read in real time.

    Fluid AI generates decision-ready recommendations, not final decisions. The underwriter retains full authority to accept, modify, or reject any AI recommendation. Every AI-generated memo includes the recommendation with the policy rules and risk signals that informed it, so the underwriter can review the reasoning, not just the outcome.

    The policy rule engine supports multi-jurisdiction configurations. Rules for IRDAI (India), FCA (UK), NAIC (US), and other regulatory bodies can be configured as separate rule sets. The system applies the correct ruleset based on the applicant's jurisdiction, flagging any cross-border complexity for underwriter review.

    Yes. Risk scoring models are configurable per product line: term life, health, motor, property, and commercial. Actuarial teams can define custom weightings, load factors, and exclusion triggers. The AI applies your product-specific model, not a generic one. Model changes are audited and versioned.