Underwriting & Decisioning Platform

Underwriting discipline that holds across triage, pricing, and the portfolio. At scale.

When triage, pricing and portfolio run on different logic, discipline breaks down before it reaches the book. hx is an underwriting workflow platform built around a shared Decision Engine: models and rules defined once, enforced consistently at every step, so the standards a CUO sets are the standards underwriters actually work to.

One underwriting decision system replaces four disconnected tools. Appetite, authority limits and governance controls evolve with your strategy and apply automatically across the entire workflow.

Governance that doesn't depend on individuals following process: one underwriting decision platform enforces the same rules across triage, pricing, referrals and portfolio.

Scale underwriting output without proportional compliance risk: configure underwriting workflow software from straight-through to human-in-the-loop, with guardrails that update as strategy shifts.

Keep selection and pricing aligned to portfolio intent: shared, portfolio-aware models across Submission Triage, Pricing & Rating and Portfolio Intelligence apply consistent logic by line, segment or channel.

A complete audit trail for every decision, rule change and model release, all inside the same underwriting decisioning platform, so governance is built in, not bolted on.

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$60bn+

GWP per annum

40+

Leading global carriers

2-3%

Loss ratio improvement

10x

Faster model builds

How hx delivers consistent underwriting discipline across the workflow

Decision Engine

Decision Engine: one governed source for every rule, model and routing decision

The hx Decision Engine is where actuarial logic, appetite rules and workflow decisions are defined, evolved and reused. Standard changes use no-code configuration; complex decisions use AI-assisted pro-code. Every version is recoverable and every release is governed, so nothing undocumented reaches the market and every change is traceable to a decision.

This is the core of your underwriting decision system: the single place that makes consistent discipline possible across every downstream workflow.

Decision Engine

Decision Engine: one governed source for every rule, model and routing decision

The hx Decision Engine is where actuarial logic, appetite rules and workflow decisions are defined, evolved and reused. Standard changes use no-code configuration; complex decisions use AI-assisted pro-code. Every version is recoverable and every release is governed, so nothing undocumented reaches the market and every change is traceable to a decision.

This is the core of your underwriting decision system: the single place that makes consistent discipline possible across every downstream workflow.

Decision Engine

Decision Engine: one governed source for every rule, model and routing decision

The hx Decision Engine is where actuarial logic, appetite rules and workflow decisions are defined, evolved and reused. Standard changes use no-code configuration; complex decisions use AI-assisted pro-code. Every version is recoverable and every release is governed, so nothing undocumented reaches the market and every change is traceable to a decision.

This is the core of your underwriting decision system: the single place that makes consistent discipline possible across every downstream workflow.

Pricing & Rating

Shared models: portfolio-aware logic from triage to portfolio

Most operations run triage and pricing on different assumptions, which creates leakage between what gets selected and what gets priced. hx models are built once in Decision Engine, then reused and tuned across Submission Triage, Pricing & Rating and Portfolio Intelligence.

Models can be adapted by line of business, geography or channel while remaining part of the same underwriting decisioning platform, so risk selection at the front of the journey and book performance stay connected as appetite and rates evolve.

Pricing & Rating

Shared models: portfolio-aware logic from triage to portfolio

Most operations run triage and pricing on different assumptions, which creates leakage between what gets selected and what gets priced. hx models are built once in Decision Engine, then reused and tuned across Submission Triage, Pricing & Rating and Portfolio Intelligence.

Models can be adapted by line of business, geography or channel while remaining part of the same underwriting decisioning platform, so risk selection at the front of the journey and book performance stay connected as appetite and rates evolve.

Pricing & Rating

Shared models: portfolio-aware logic from triage to portfolio

Most operations run triage and pricing on different assumptions, which creates leakage between what gets selected and what gets priced. hx models are built once in Decision Engine, then reused and tuned across Submission Triage, Pricing & Rating and Portfolio Intelligence.

Models can be adapted by line of business, geography or channel while remaining part of the same underwriting decisioning platform, so risk selection at the front of the journey and book performance stay connected as appetite and rates evolve.

Ingestion Agent

Configurable routing: the right decision reaches the right person, every time

Inconsistent referral routing is a governance risk as much as an efficiency problem. hx routes each submission based on risk characteristics, appetite rules, authority limits or model outputs, defined once in Decision Engine and updated as strategy changes. The platform applies them consistently across the underwriting workflow software, so authority limits and referral structures are enforced automatically, not manually.

Complex or marginal cases reach the right underwriter with triage scores, pricing output and comparable decisions already on screen, reducing the chance that judgment is applied without context.

Ingestion Agent

Configurable routing: the right decision reaches the right person, every time

Inconsistent referral routing is a governance risk as much as an efficiency problem. hx routes each submission based on risk characteristics, appetite rules, authority limits or model outputs, defined once in Decision Engine and updated as strategy changes. The platform applies them consistently across the underwriting workflow software, so authority limits and referral structures are enforced automatically, not manually.

Complex or marginal cases reach the right underwriter with triage scores, pricing output and comparable decisions already on screen, reducing the chance that judgment is applied without context.

Ingestion Agent

Configurable routing: the right decision reaches the right person, every time

Inconsistent referral routing is a governance risk as much as an efficiency problem. hx routes each submission based on risk characteristics, appetite rules, authority limits or model outputs, defined once in Decision Engine and updated as strategy changes. The platform applies them consistently across the underwriting workflow software, so authority limits and referral structures are enforced automatically, not manually.

Complex or marginal cases reach the right underwriter with triage scores, pricing output and comparable decisions already on screen, reducing the chance that judgment is applied without context.

Portfolio Intelligence

Audit and governance: every decision on record, without extra process

Governance that relies on manual documentation fails under volume. hx captures a complete audit trail across every underwriting decision, rule update and model release automatically: who decided, what they saw, which rules and models applied, and when.

When a review, regulatory question or claim challenge arrives, the path from rule to decision is already in your underwriting decision platform, not reconstructed from email threads and offline spreadsheets.

Portfolio Intelligence

Audit and governance: every decision on record, without extra process

Governance that relies on manual documentation fails under volume. hx captures a complete audit trail across every underwriting decision, rule update and model release automatically: who decided, what they saw, which rules and models applied, and when.

When a review, regulatory question or claim challenge arrives, the path from rule to decision is already in your underwriting decision platform, not reconstructed from email threads and offline spreadsheets.

Portfolio Intelligence

Audit and governance: every decision on record, without extra process

Governance that relies on manual documentation fails under volume. hx captures a complete audit trail across every underwriting decision, rule update and model release automatically: who decided, what they saw, which rules and models applied, and when.

When a review, regulatory question or claim challenge arrives, the path from rule to decision is already in your underwriting decision platform, not reconstructed from email threads and offline spreadsheets.

See the hx underwriting decision platform on a workflow like yours

We'll walk through a live triage-to-decision scenario on a line you write, showing how our underwriting workflow platform keeps models, rules and routing aligned from submission to portfolio and how hx slots into your existing workbench, PAS and data stack.

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