Automated Underwriting Engine

Your rules. Your decisions. No code.

iUnderwrite's rules engine evaluates every disclosed risk factor in real time, producing instant decisions — accept, refer, decline, or non-standard terms — across every product and channel, with a complete audit trail behind each one.

The engine is fully configurable without code, putting underwriters in control of their rules. Rules can be added, modified or retired through the admin console at any time — no software release and no developer involvement.

Customer Journey

Your brand. Your workflow.

Every insurer's application process is different. iUnderwrite's workflow engine lets you define the exact sequence of pages, questions, and decision points your applicants experience — with conditional logic, branching rules, and fully configurable journey steps tailored to your products and distribution channels.

Alongside the workflow engine, iUnderwrite's theme engine controls every visual aspect of the applicant experience — styling, layout, colours, typography, and branding — configured independently for each insurer and white label partner. The result is a fully branded, professional digital experience that feels native to your business.

Straight-Through Processing

Apply. Decide. Issue. Done.

iUnderwrite delivers a seamless, end-to-end application process — from the first underwriting question through to instant decisioning, payment processing, and policy — issuance with no manual touchpoints and no delays.

For consumers applying directly, it means an instant policy decision and cover confirmed in minutes. For financial advisers, it's a powerful point-of-sale tool that eliminates paperwork, removes friction, and lets them place cover on the spot.

Underwriting Workbench

Referred cases. Human Judgement.

When a case requires human judgement, iUnderwrite's Workbench gives your underwriting team a purpose-built environment to manage it from referral through to resolution. Built-in workflow management guides the underwriter through both the decisioning process and evidence gathering — tracking progress, managing correspondence, and maintaining a structured decision record with full audit trail.

What sets the Workbench apart is its seamless integration with the online application journey. Once a manual decision is made, the applicant automatically re-enters the digital workflow to complete their application online — delivering a consistent, professional experience even for the most complex cases.

Rating Engine

Every product. Every risk. Priced instantly.

iUnderwrite's rating engine handles the full complexity of life and health premium calculation in real time — managing multiple rating factors, occupational loadings, and discount structures to deliver accurate premiums instantly, across every product and channel.

Document Generation

Every document, automatically.

iUnderwrite automatically generates the full suite of application, underwriting and policy documents on demand — pulling live application data, applying each insurer's branding and templates, and delivering professional PDFs without manual intervention. Every document is accurate, consistent, and ready the moment it's needed.

Distribution Channels

Every channel. One platform.

From consumer direct and advised sales to telesales agents and white label partnerships, iUnderwrite supports every distribution model your business needs. ,

Each channel is independently configurable — with its own permissions, branding, and product access — all managed from one place.

Security & Access Control

Secure by design. Tested annually.

Security is built into iUnderwrite from the ground up. All software development follows a Secure Software Development Lifecycle (S-SDLC) — a structured programme that embeds cybersecurity into every stage of the design and build process, rather than treating it as an afterthought. The platform also incorporates multi-layered security from the perimeter to the database, with role-based access controls, granular permissions, and a complete audit trail across every user action.

Independently Verified

Regular third-party penetration tests, AWS security benchmark reviews, and vulnerability scanning are conducted as part of our ongoing security programme.

Globalisation

Any market. Any language. Any regulator.

iUnderwrite is designed to operate across jurisdictions. Every piece of user-facing text, every regulatory disclosure, and every document template can be localised per tenant — enabling insurers to deploy in new markets without platform customisation.

Underwriting intelligence, powered by AI.

iUnderwrite's AI-powered functionality can be configured to support and accelerate underwriting decisions.

Available as a Premium add-on and designed to fit each insurer's specific workflows. It works alongside your underwriters, enhancing their judgement — never replacing it.

What's Included

Core Platform & Premium Add-Ons

Every iUnderwrite subscription includes the full core platform. Premium add-ons extend the platform for insurers with specific capability requirements.

Included in every plan

Auto Underwriting

Rules-driven straight-through processing with real-time decisions, multi-factor evaluation, and full audit trail.

Document Generation

Automated PDF generation for every document type — policy schedules, offer letters, evidence requests, and more.

Quoting & Rating

Multi-factor rating with discount stacking, real-time premium calculation, and per-tenant rate plan management.

Multi-Tenancy

Full tenant isolation with independent configuration, branding, products, and user bases on a single platform instance.

Role-Based Security

Granular permissions, custom roles, organisational units, 2FA, and an immutable audit log across every user action.

Globalisation

Centralised localisation catalogue, multi-currency support, and jurisdiction-aware rules for AU and NZ markets.

AWS Infrastructure

Enterprise-grade AWS managed services with high availability, elastic scaling, and continuous monitoring — fully managed SaaS delivery.

Integrations

REST API, webhook events, and custom connectors for CRM, policy administration, and payment gateway systems.

Communications

Templated email and SMS notifications triggered by application events, with per-tenant template management.

Product Configuration

Full control over every product parameter — premium rates, features, application limits, risk types, and rule sets — all configured without code.

Workflow Manager

Fully configurable application workflow — define every step, branch, and decision point in the applicant journey, independently for each product and channel.

Branding

Theme engine provides full control over styling, layout, colours, typography, and branding — configured independently for each insurer and white label partner.

Reporting

Operational reporting covering application volumes, underwriting outcomes, STP rates, and workbench throughput.

Compliance

GDPR tooling, data retention policies, consent management, and regulatory disclosure controls built into the platform core.

Direct Sales

Supports consumer-direct online sales with a fully configurable application journey — from first question to instant policy, without human intervention.

Telesales

Equips telesales agents with a guided journey and straight-through policy issuance — designed for high-volume phone-based sales environments.

Premium Add-Ons

AI Supported Underwriting

Claude-powered risk scoring, loading and exclusion recommendations — integrated directly into the Workbench. Capability briefings under NDA.

Analytics & BI

Advanced dashboards, trend analysis, cohort reporting, and data export for actuarial and management insight.

Needs Analysis

Structured fact-find module capturing financial needs, existing cover gaps, and life stage goals to drive appropriate product recommendations.

Multi-Life Applications

Submit and underwrite a household or business group in a single application, with independent underwriting outcomes per life.

White Label Distribution

Deploy iUnderwrite under any brand — with full white-label configuration of styling, branding, and product access for every partner and channel.

Advised Distribution

Equips financial advisers with a powerful point-of-sale tool — configurable product access, permissions, and branding for every adviser network and tier.

Underwriting Workbench

Case management, evidence collection, manual decisioning, and QA workflow for referred applications.

More add-ons available

Additional capability modules are available based on your requirements.

Get in touch

Not sure which add-ons you need? Book a conversation with our team and we'll map the right modules to your use case.

Book a conversation →

iUnderwrite — Everything You Need to Automate Underwriting