Insurance · Sales

Underwriters decide. The AI has done the reading.

Risk documents are checked by the AI against your underwriting guidelines, and the risk is summarised with sources. You decide whether to accept it.

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Risk checkBU-26-0815
  1. Application answerBack not mentioneddeviation
  2. Pre-existingDisc L4/L5, 2021guideline 4.2
  3. OccupationOffice work, class 1fits
Medical reportPage 7 of 23

Orthopaedic report

Herniated disc L4/L5, 2021Pre-existing

Free of symptoms since 04/2022, fully able to work.Course

Where time goes today.

  1. 30%

    of working time is left for actual underwriting

    Property and casualty underwriters spend on average only 30 percent of their time on actual underwriting. The rest is searching, keying in, chasing and sales support.

    Accenture and The Institutes, Underwriting Survey 2021

  2. The file is thick, the finding is on page 7

    A disability application with medical reports easily runs to twenty pages and more. What matters is scattered between routine findings and has to be compared with every health question in the application.

  3. 2 Dec 2027

    Obligations for high-risk AI

    From then on the obligations for AI under Annex III of the EU AI Act apply. This includes AI for risk assessment and pricing in life and health insurance.

    European Commission, AI Omnibus, 2026

One case, step by step.

New businesstoday
  • Finanzkontor Nord09:12Disability application, Jana BrandtApplication and medical report, 23 pagesDisability
  • Maklerbüro Kern09:40Liability, Tischlerei HaasQuestionnaire and 2025 revenueCommercial
  • Praxis Dr. Sommer10:05Medical information for BU-26-0811Letter, scannedFollow-up

Applications and follow-ups in one place.

Through the broker portal, BiPRO, email or post, with questionnaires, medical reports or business descriptions. The AI assigns every document to the right application.

Your team decides

Which lines and application types are pre-checked.

Orthopaedic reportBU-26-0815

Orthopaedic report

Seen for a final examination.

Herniated disc L4/L5, 2021Pre-existing

Conservative therapy, no surgery.Treatment

Physiotherapy until 03/2022

Free of symptoms since 04/2022, fully able to work.Course

The AI reads the whole file.

It finds diagnoses, treatments, time periods and occupation details, also in scanned medical reports, and marks every passage that matters.

Your team decides

Which details are relevant for underwriting.

Risk checkBU-26-0815
  1. Application answerQuestion 4: back not mentioneddeviation
  2. Pre-existingDisc L4/L5, 2021guideline 4.2
  3. Treatmentcompleted 03/2022documented
  4. OccupationOffice work, class 1fits

Question to the broker on question 4 prepared

Compared with application and guideline.

The AI compares the findings with the health answers in the application and with your underwriting guidelines. It shows every deviation with its source.

Your team decides

How a deviation is assessed.

Decision BU-26-0815New business system
ApplicantJana Brandt
OccupationOffice clerk, class 1
FindingDisc L4/L5 2021, free of symptoms since 04/2022
OpenQuestion 4 incomplete, question to broker
SuggestionAccept with spine exclusion, guideline 4.2
For decision

The summary is ready for decision.

One page instead of twenty-three: the risk, the deviations, the guideline that applies and a reasoned suggestion. The underwriter decides and records it.

Your team decides

Acceptance, loading, exclusion or decline.

What it delivers and what it connects to.

  • 9 sec

    is how long Markel Prime takes to pre-check a small business, the commitment stays with the underwriter

    Source: Bitkom, Beyond the Pilot, 2026 (German)

  • 20 min

    instead of about an hour to work through an application file with medical reports

    Assumption for a typical company

  • 1 day

    sooner with an answer for the broker, because questions come up on the first read

    Assumption for a typical company

Works with the systems you already use

Who does what.

What the AI takes on

  • Reads applications, medical reports and questionnaires
  • Compares with health answers and guidelines
  • Shows deviations with their source
  • Summarises the risk with a suggestion

What your team decides

  • Decides on acceptance, loading and exclusions
  • Clarifies questions with broker and doctor
  • Maintains the underwriting guidelines
  • Oversees the AI and checks its suggestions

Who it fits.

A good fit if

  • Your underwriters review many applications with thick files
  • Medical reports, questionnaires or business documents come with them regularly
  • Your underwriting guidelines are written down
  • Brokers are waiting for a quick answer

Less of a fit if

  • Most applications are accepted by rules, without documents
  • Your acceptance rules are not written down, they live in the heads of individual underwriters
  • Few applications come with documents

What it costs

Fixed prices, clear steps.

You know up front what each step costs and what it delivers.

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    • You find out whether an AI strategy is worth it
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  • AI strategy

    €1,990plus VAT

    Fixed price

    • One workshop day on real cases
    • A calculation with your figures for the best use cases
    • A paper for management and shareholders

    Money-back guarantee: three use cases that pay back within 12 months on paper, with your figures, or your money back.

    Request the AI strategy

  • Pilot with one use case

    from €5,000plus VAT

    Fixed price

    • On your data, in your process
    • Acceptance criteria agreed in writing
    Request a pilot

All prices net. Operation afterwards is from 20% of the project price a year, cancellable monthly. The code and the data are yours.

Built fromData & documentsAI training & governance

Further reading

All posts
Claude Code mods: what the new feature brings and why AI tools are becoming customisableAI toolsTiemo Timtschenko
Claude Skills: How to teach an AI the way your company worksAI toolsTiemo Timtschenko
MCP explained: how AI assistants reach your systems and what that means for your ITAI toolsTiemo Timtschenko

Frequent questions

Common questions about it.

The questions that almost always come up about this use case.

Does the AI decide on acceptance?

No. It reads, compares and suggests. Acceptance, loading, exclusion and decline are decided by underwriters, and every decision stays documented with its sources.

What does the EU AI Act require here?

AI for risk assessment and pricing in life and health insurance, including disability cover, is high-risk under Annex III. From 2 December 2027 this brings obligations such as risk management, data quality, logging and human oversight, and for insurers as deployers a fundamental rights impact assessment. Commercial and property risks are not covered by this. This is an orientation, not legal advice. The EU AI Act check helps with a first step.

What happens to health data?

It is held in German data centres or in your own environment, is not used to train third-party models and is processed only for the application it was submitted with. Access stays with those who have it today.

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