›Why underwriting automation accelerates in 2026
Underwriting combines risk assessment, pricing, validation and contract issuance — historically spread across siloed tools. In 2026, insurers orchestrate the whole journey in one workflow where the AI copilot pre-maps the steps.
Utilyx models this as a BPM workflow: the applicant data is captured, the risk score is computed, the workflow routes by risk level, and the policy is issued as PDF and archived.
›The automated underwriting workflow
- Intake: applicant profile, coverage requested, supporting documents.
- Risk scoring: automated score based on the captured data and rules engine.
- Conditional routing: low-risk go to auto-issue; high-risk escalate to an underwriter.
- Validation: underwriter review with data in read-only and decision journaled.
- Policy issuance: contract generated as PDF (usePDF) with the validated terms.
- Archiving: the signed policy is filed in a tamper-evident archive (useArchive).
- Notification: applicant and agent receive the policy with a direct link.
›Concrete benefits
Insurers report policy issuance time dropping from days to hours, full traceability of the risk decision, and zero missing documents — the workflow blocks submission until required pieces are present.
The underwriting vocabulary (premium, deductible, indemnity, subrogation, reinsurance) is native, so the copilot proposes the right schema directly.
›The workflow in real time
Every node is executable, every branch is testable. Visualize the actual flow of your data while you design.
›Measured gains after automation
Temps de règlement sinistre
Before
15 jours
After
3 jours
Taux de fraude détectée
Before
2%
After
8,5%
Coût par sinistre
Before
120 €
After
18 €
Satisfaction client (NPS)
Before
32
After
58
›How to automate this process — step by step
Capter la déclaration
Le sinistre est saisi via un formulaire structuré avec pièces jointes (photos, documents) et validation automatique des champs obligatoires.
Routage intelligent
Le workflow route automatiquement vers le bon ajusteur selon le type, le montant et la complexité du sinistre.
Valider et décider
L'ajusteur valide, refuse ou demande un complément — chaque décision est tracée avec horodatage et données en lecture seule.
Générer le document
usePDF produit automatiquement la lettre de règlement, le détail des indemnisations et le récapitulatif client.
Archiver et notifier
useArchive classe le dossier, le client reçoit une notification avec lien direct, et le règlement est tracé de bout en bout.
›Return on investment
Frequently asked questions
Can low-risk policies be auto-issued?
Yes. Conditional routing sends low-risk applications under threshold to auto-issue, while high-risk cases escalate to an underwriter for review.
Is the policy contract legally archived?
Yes. useArchive stores the signed PDF in a tamper-evident archive with full-text index, meeting audit and retention requirements.
Ready to automate your processes?
Utilyx lets you design, automate and orchestrate your workflows visually — with an AI copilot, OCR, PDF generation and legal archiving. Start in minutes, not weeks.