Underwriting Governance and Modernization

Underwriting governance software that embeds controls in workflows. Legacy underwriting system replacement without the rip-and-replace risk.

hx is an underwriting platform that connects to existing policy admin systems, workbenches and rating engines via open APIs. Version control, automated regression tests, audit trails and peer review are first-class features in the actuarial and underwriting workflow, not bolt-on compliance tools added afterwards.

You modernize the decisioning and governance layer first, where the leverage is highest, while core systems keep doing what they do best. The result is underwriting governance software that strengthens control and traceability without slowing underwriters down or forcing a full core replacement.

Replace legacy underwriting systems without starting over. hx connects to your existing stack via open APIs, acting as an underwriting modernization platform above your PAS and workbenches.

Embed version control, regression tests and peer review directly in your model-build and pricing workflow, so governance lives where actuaries and underwriters actually work.

Meet underwriting compliance software expectations with end-to-end auditability on model changes and pricing decisions, from inputs to approvals.

SOC 2 Type II and ISO 27001:2022 certified. Enterprise-grade security and controls in place before your first implementation day.

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$60bn+

GWP per annum

40+

Leading global carriers

2-3%

Loss ratio improvement

10x

Faster model builds

Governance that enables underwriting. Not one that creates overhead.

Data & Rates Management

Model governance: version control, regression tests and peer review built in as standard

In most carriers, model governance is a manual discipline that sits outside the tools actuaries use day to day. In hx, version control, automated regression tests and peer review are built into the Pricing & Rating workflow as first-class features. Every model change is tracked, tested against prior versions and attributed to the person who made it, so nothing undocumented reaches a live underwriting decision.

This replaces spreadsheet-based versioning and email-driven approvals with a governed, repeatable process that satisfies internal risk, audit and model risk management standards on a single regulated underwriting platform.

Data & Rates Management

Model governance: version control, regression tests and peer review built in as standard

In most carriers, model governance is a manual discipline that sits outside the tools actuaries use day to day. In hx, version control, automated regression tests and peer review are built into the Pricing & Rating workflow as first-class features. Every model change is tracked, tested against prior versions and attributed to the person who made it, so nothing undocumented reaches a live underwriting decision.

This replaces spreadsheet-based versioning and email-driven approvals with a governed, repeatable process that satisfies internal risk, audit and model risk management standards on a single regulated underwriting platform.

Data & Rates Management

Model governance: version control, regression tests and peer review built in as standard

In most carriers, model governance is a manual discipline that sits outside the tools actuaries use day to day. In hx, version control, automated regression tests and peer review are built into the Pricing & Rating workflow as first-class features. Every model change is tracked, tested against prior versions and attributed to the person who made it, so nothing undocumented reaches a live underwriting decision.

This replaces spreadsheet-based versioning and email-driven approvals with a governed, repeatable process that satisfies internal risk, audit and model risk management standards on a single regulated underwriting platform.

Model Lifecycle

End-to-end audit trails: every decision, rule change and model update captured end to end

hx captures a complete audit trail across every underwriting decision, business-rule update and model release: who changed what, when and why. For each quote, you can trace the model version, inputs, overrides, referrals and approvals from submission through to bind.

When internal audit, regulators or oversight bodies ask to see the history, it is in the platform, not reconstructed from emails, shared drives and version-named spreadsheets.

Model Lifecycle

End-to-end audit trails: every decision, rule change and model update captured end to end

hx captures a complete audit trail across every underwriting decision, business-rule update and model release: who changed what, when and why. For each quote, you can trace the model version, inputs, overrides, referrals and approvals from submission through to bind.

When internal audit, regulators or oversight bodies ask to see the history, it is in the platform, not reconstructed from emails, shared drives and version-named spreadsheets.

Model Lifecycle

End-to-end audit trails: every decision, rule change and model update captured end to end

hx captures a complete audit trail across every underwriting decision, business-rule update and model release: who changed what, when and why. For each quote, you can trace the model version, inputs, overrides, referrals and approvals from submission through to bind.

When internal audit, regulators or oversight bodies ask to see the history, it is in the platform, not reconstructed from emails, shared drives and version-named spreadsheets.

Connected APIs

Legacy system replacement: modernize the layer that matters without replacing everything at once

The hx underwriting modernization platform is API-first. It embeds into existing policy admin systems, workbenches, data warehouses and rating engines via open, well-documented APIs. You modernize the decisioning and governance layer first, where model control, pricing logic and audit actually live, without disrupting the core systems your operations depend on.

All data, configuration and code remain structured, portable and accessible, making hx a practical legacy underwriting system replacement path over time rather than a one-shot rip-and-replace project.

Connected APIs

Legacy system replacement: modernize the layer that matters without replacing everything at once

The hx underwriting modernization platform is API-first. It embeds into existing policy admin systems, workbenches, data warehouses and rating engines via open, well-documented APIs. You modernize the decisioning and governance layer first, where model control, pricing logic and audit actually live, without disrupting the core systems your operations depend on.

All data, configuration and code remain structured, portable and accessible, making hx a practical legacy underwriting system replacement path over time rather than a one-shot rip-and-replace project.

Connected APIs

Legacy system replacement: modernize the layer that matters without replacing everything at once

The hx underwriting modernization platform is API-first. It embeds into existing policy admin systems, workbenches, data warehouses and rating engines via open, well-documented APIs. You modernize the decisioning and governance layer first, where model control, pricing logic and audit actually live, without disrupting the core systems your operations depend on.

All data, configuration and code remain structured, portable and accessible, making hx a practical legacy underwriting system replacement path over time rather than a one-shot rip-and-replace project.

Underwriting Agent

Future-ready architecture: a governed platform built for AI and the next phase of market modernization

As carriers adopt AI agents and agentic underwriting workflows, the governance layer above core systems becomes the most critical part of the stack. hx is built to be that layer: structured data exports, strong change management, model-grounded audit and security certifications that satisfy CIO, CISO and compliance teams from day one.

That makes hx underwriting compliance software for the AI era: a governed decision platform where human and AI-assisted underwriting operate under the same controls, rather than a patchwork of tools retrofitted with point-in-time checks.

Underwriting Agent

Future-ready architecture: a governed platform built for AI and the next phase of market modernization

As carriers adopt AI agents and agentic underwriting workflows, the governance layer above core systems becomes the most critical part of the stack. hx is built to be that layer: structured data exports, strong change management, model-grounded audit and security certifications that satisfy CIO, CISO and compliance teams from day one.

That makes hx underwriting compliance software for the AI era: a governed decision platform where human and AI-assisted underwriting operate under the same controls, rather than a patchwork of tools retrofitted with point-in-time checks.

Underwriting Agent

Future-ready architecture: a governed platform built for AI and the next phase of market modernization

As carriers adopt AI agents and agentic underwriting workflows, the governance layer above core systems becomes the most critical part of the stack. hx is built to be that layer: structured data exports, strong change management, model-grounded audit and security certifications that satisfy CIO, CISO and compliance teams from day one.

That makes hx underwriting compliance software for the AI era: a governed decision platform where human and AI-assisted underwriting operate under the same controls, rather than a patchwork of tools retrofitted with point-in-time checks.

See how hx modernizes your governance layer without replacing your whole stack

We'll walk through a modernization framework for your environment and map how hx connects into your current architecture, from policy admin and workbenches to rating engines and data warehouses, so you can strengthen governance and audit without a disruptive core-system swap.

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