SOLUTIONS · AUTO UNDERWRITING

An Underwriting Decision in Minutes. At the Point of Sale.

The Configurable Automated Underwriting Engine That Approves Clean Cases Instantly, Handles Every Decision Path, and Lifts STP Rates Across Your Book

SymbioSys Auto Underwriting is a configurable automated underwriting engine that delivers instant underwriting decisions at the point of sale. A reflexive questionnaire engine captures exactly the right information from each customer, rules-based decisioning approves clean cases instantly, and structured flows handle counter-offers, sub-standard decisions, and referrals to the manual workbench. With real-time PAS integration for de-duplication and total sum at risk, every decision is made on complete, current data — in minutes, not days.

Every hour between application and underwriting decision costs money and momentum. The customer who was ready to buy cools off, the agent moves on, and the case that should have been issued the same day joins a queue. Yet at most insurers, even clean, standard cases have to wait for a human underwriter. SymbioSys Auto Underwriting removes that wait for every case that rules can decide. A reflexive questionnaire engine asks each customer only the questions their profile requires, so data capture is fast and complete. The configurable rules engine then decisions the case instantly: clean cases are approved on the spot, cases needing modified terms flow into structured counter-offer and sub-standard decision paths that keep the sale alive. Only genuinely complex cases are referred to the underwriting workbench with full context. Real-time integration with your Policy Administration System runs de-duplication and existing-customer checks. It calculates total sum at risk across all benefit levels, so every automated decision is made on complete, current data. The results are proven in production: underwriting decision in minutes on application submission, and 100% NIGO elimination. Proven results include a 60% same-day policy issuance at a leading Indian insurer, with STP improvements of 40% and more across live deployments. And since underwriting decision analytics feed back into rule refinement, your STP rate does not just improve once, it keeps improving.

Key Features

Purpose-built to automate every underwriting decision that rules can make. Base every decision on complete, current data.

Reflexive Questionnaires That Ask Only What Each Case Requires

The configurable reflexive questionnaire engine adapts in real time to each customer’s answers, asking follow-up questions only where the profile requires them. A young, healthy applicant sails through a short journey; a case with disclosures triggers precisely the additional questions an underwriter would ask. The result is faster data capture, a better customer experience, and decisions made on exactly the information that matters — configured by your business teams, without code.

Handles Every Decision Path: Approve, Counter-Offer, or Refer

Auto underwriting is not just about instant approvals. SymbioSys Auto Underwriting handles the full range of outcomes: clean cases are approved instantly, cases that cannot be accepted on standard terms flow into structured counter-offer, and sub-standard decision paths that present viable alternatives and keep the sale alive. Genuinely complex cases are referred to the manual underwriting workbench with complete context. No case falls through the cracks, and no sale is lost to a flat, automated decline.

Real-Time PAS Integration for De-Dup and Total Sum at Risk

An automated decision is only as good as the data behind it. SymbioSys Auto Underwriting integrates with your Policy Administration System in real time to run de-duplication and existing-customer checks. It calculates total sum at risk across all benefit levels for both new and existing customers. Every instant decision accounts for the customer’s full relationship with you. Optimally leverage digital ecosystem integrations for identity, credit, and KYC checks.

Business Benefits

SymbioSys Auto Underwriting delivers measurable improvements in decision speed, STP rates, data quality, and sales conversion. Proven in production at scale.

A 3-Minute Underwriting Decision on Application Submission

Proven in live deployment at a leading Indian insurer: a complete, rules-driven underwriting decision delivered in 3 minutes from application submission, including real-time de-duplication and total sum at risk checks against the core PAS. Customers get an answer before the conversation ends, agents close in a single interaction, and the case that once waited days is decided in the time it takes to pour a coffee.

Lift STP Rates Across Your Entire Book

By automating every decision that rules can make, SymbioSys Auto Underwriting drives straight-through processing rates dramatically upward. Case in points include a 40% STP improvement at a fast-growing Indonesian insurer, and STP rates of over 80% achieved across live SymbioSys deployments. Higher STP means lower cost per policy and faster issuance. Underwriters can focus on complex cases where their judgment adds genuine value.

Issue Policies the Same Day, Not the Same Week

Instant decisions translate directly into faster issuance: 60% same-day policy issuance and 85% of policies issued within 5 days, achieved in production. Same-day issuance transforms the customer’s first experience of your company. It reduces the window for buyer’s remorse and competitor poaching. Compress the entire new business cycle from submission to premium..

Keep Sales Alive with Structured Counter-Offers

When a case cannot be approved on standard terms, a flat decline loses the sale. SymbioSys Auto Underwriting’s counter-offer and sub-standard decision flows automatically present viable alternatives — adjusted sum assured, modified terms, revised riders. The agent always has something to offer and the customer has a path to cover. Turn otherwise lost cases into issued policies. Use AI-driven Early Lapse and Early Claims prediction to flag higher-risk cases at the point of decision.

Turn Underwriting Decisions Into Actionable Intelligence

Every automated decision, referral, and counter-offer is data that makes the engine smarter. As part of the SymbioSys Suite, decision data feeds the SymbioSys data foundation. Underwriting decision analytics reveal STP rates by product, channel, and rule, referral and decline drivers, as well as counter-offer conversion. Questionnaire and rule refinements lift automation further. This intelligence closes the loop: your teams tune the rules on evidence, STP climbs, and the share of cases that need manual touch shrinks.

Why C2L BIZ as Your Transformation Partner?

Automated underwriting sits at the intersection of underwriting judgment, product knowledge, and technology, and C2L BIZ brings all three. In 19+ years focused exclusively on insurance, across 40+ carriers in 13 countries including 9 of the Global Top 30 insurers, we have configured automated underwriting rules for some of the most complex product portfolios in the industry, and delivered the results in production: 3-minute decisions, 100% NIGO elimination, and 60% same-day issuance at a leading Indian insurer, integrated in real time with the core PAS and the full digital ecosystem. Our AI capabilities, including Early Lapse and Early Claims prediction, are among seven AI/ML capabilities live in production, not on a roadmap.

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3-minute underwriting decision on application submission, proven in production

100% NIGO elimination and 60% same-day policy issuance at a leading Indian insurer

Reflexive questionnaires, counter-offer flows, and referred-case workbench handoff

Real-time PAS integration for de-duplication and total sum at risk

Underwriting decision analytics and AI-driven risk flagging, on the SymbioSys data foundation

Integrations

SymbioSys Auto Underwriting connects with the policy, sales, ecosystem, and workflow systems that instant decisioning depends on, through real-time APIs, with no data silos.

Policy Administration Systems

Real-time integration with your core PAS powers de-duplication and existing-customer checks and total sum at risk calculations across all benefit levels, so every automated decision is made on the customer’s complete, current relationship with you.

Sales Tool, Illustration, and eApplication

Unified with the SymbioSys Sales Tool suite, so the reflexive questionnaire, underwriting rules, and decision are part of the same journey as illustration and eApp submission. Discover the power of one configuration, one agent experience, no re-entry, online or offline.

Digital Ecosystem — Identity, Credit, and KYC

Proven production integrations with digital ecosystem services for identity validation, credit bureaus, KYC, and pre-issuance verification — including deployments integrated with UIDAI, PAN, CRIF, CIBIL, CKYC, and PIVC. Bring external data into the automated decision where your rules require it.

New Business Workflow and the SymbioSys Data Foundation

Approved cases flow straight into the SymbioSys New Business workflow for issuance, referred cases arrive at the underwriting workbench with full context. Every decision feeds the SymbioSys data foundation (ODS) for the decision analytics that continuously lift your STP rate.