Underwriting automation

Automate the manual work. Quote faster. Write better risks.

Most underwriting teams lose hours to manual data entry. Submissions arrive in different formats, pricing runs in spreadsheets, and decisions stall while teams wait on each other.

hx automates the bottlenecks. Submission data is structured on intake. Pricing runs against live data. Every decision logs automatically.

Less rekeying. Faster turnaround. The same team writes more business.

Up to 50% faster quote turnaround for underwriting teams that use hx to automate submission intake and pricing.

Triage and pricing run on the same models, so manual handoffs between tools disappear.

hx customers report 2–3% improvement in combined ratio as automation tightens decision consistency over time.

Trusted by leading insurers including:

Try hx for yourself

With hx customers achieve:

Up to 50% faster quote turnaround for underwriting teams that use hx to automate submission intake and pricing.

Triage and pricing run on the same models, so manual handoffs between tools disappear.

hx customers report 2–3% improvement in combined ratio as automation tightens decision consistency over time.

Trusted by leading insurers including:

One platform for the full underwriting lifecycle

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the spreadsheet.

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the spreadsheet.

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the spreadsheet.

Decision Engine

Define underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

When appetite changes, update the logic once. Every connected capability reflects the change.

Decision Engine

Define underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

When appetite changes, update the logic once. Every connected capability reflects the change.

Decision Engine

Define underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

When appetite changes, update the logic once. Every connected capability reflects the change.

Portfolio Intelligence

GWP, rate adequacy, and combined ratio update in near real time. No month-end data pull required. Slice by line, segment, broker, or territory in seconds.

Feedback loops between decisions and outcomes improve pricing and triage over time.

Portfolio Intelligence

GWP, rate adequacy, and combined ratio update in near real time. No month-end data pull required. Slice by line, segment, broker, or territory in seconds.

Feedback loops between decisions and outcomes improve pricing and triage over time.

Portfolio Intelligence

GWP, rate adequacy, and combined ratio update in near real time. No month-end data pull required. Slice by line, segment, broker, or territory in seconds.

Feedback loops between decisions and outcomes improve pricing and triage over time.

Aviva built 20 models in 9 months and unlocked ML capabilities.

Global Commercial & Specialty – improved speed and accuracy of pricing decisions.

Enterprise grade security
and compliance

Enterprise Security

SOC2 Type 2 and ISO 27001:2022 certified, with rigorous controls to protect sensitive underwriting data and help you meet enterprise compliance requirements.

Full audit trails & governance

Every decision, rule change, and model update is captured end-to-end - giving you transparency, accountability, and a clear path for regulatory review.

Open, portable, yours

Structured access to all data, configuration, and code, available anytime for full transparency, portability, and operational continuity.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

See hx in action

Your workflows, not a canned demo

Book a

demo

Book a

demo

© 2025 hyperexponential

QMS Certificate No. 306072018

Terms & conditions

Security policy

Privacy policy