INSURANCE

Underwriting analytics coworker

Underwriters spent most of their time gathering data across systems and applied guidelines inconsistently. Wexa built a coworker that prepares the case and recommends a decision.

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underwriting time
consolidated risk view per applicant
of cases checked against embedded guidelines

CLIENT: Retail and commercial insurance group
REGION: Confidential
WHEN: 2025
ENGAGEMENT: Proof of concept
WEXA COMPONENTS: Data sourcing agents · risk scoring · guideline engine · decision dashboard

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The challenge

Manual searches across internal and external sources
Variation between underwriters' interpretations
Application spikes causing delays
Routine work crowding out complex cases

What Wexa built

Automated sourcing of applicant data from internal and external systems
Risk scores and anomaly flags from historical patterns
Embedded underwriting guidelines for consistent decisions
Decision-support dashboard; the underwriter makes the final call

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How it runs on Wexa

FigureHow this use case runs on Wexa: client systems connected, ontology discovered, context graph in the Wexa memory layer, agents and process flows, and governance. Highlighted components are central to this use case.

03Case 27

Solution architecture

FigureUnderwriting coworker architecture (redrawn from the project design).

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Results

Measure	Before / without Wexa	With Wexa
Underwriting capacity for the same application volume	30 underwriters	18 underwriters
Annual cost of the process	$2.7M	$1.6M
Time to implement the AI solution	6 months	6 weeks
AI build cost (one-time)	$480K	$44K
AI operating cost per year (models, infrastructure, upkeep, platform)	$312K	$166K
Total AI cost in year 1	$792K	$210K

With Wexa

net annual value to the client after Wexa's own operating cost

faster to implement

lower AI operating cost

less AI spend in year 1

"The Wexa Underwriting Analytics Coworker gave our underwriters a new level of clarity and speed. We issued policies faster while improving the quality and consistency of our decisions."

Head of Underwriting, client