Three proposals walk into underwriting. Watch what happens.
DeployIT’s rules engine plus AI triage decides in seconds what used to take days, and logs every reason why.
In short: AI underwriting software evaluates proposals using configurable rules and risk signals. DeployIT auto-approves clean cases (85% STP on retail health), routes exceptions with structured context, and keeps every decision IRDAI-audit-ready.
One flow, three destinies
Every proposal passes the same four stages. The rules engine and AI triage decide where each one diverges. Pick a case and watch it run.
Case A: clean
The 29-year-old, no disclosures.
Proposal arrives
A retail health proposal lands with complete, unremarkable disclosures.
Rules engine screen
Passes 142 rules in 1.8 seconds: age, sum insured, BMI, PED, occupation.
Routing
No referral. Straight-through processing to issuance.
Outcome
Issued instantly, decision fully logged.
85%
of retail health cases end here
Who controls the rules
Your ops team
Edits journey rules in a no-code console: versioned, effective-dated, no releases.
Each insurer
Their rulebook, encoded and certified; outcomes stay consistent per carrier.
AI never overrides the rulebook. It triages; humans and rules decide.
The audit drawer
Every rule fired, every rule version, every human touch: the decision log captures all of it and exports on demand for insurer audits and IRDAI inspections. Nothing on this page happens off the record.
- BMI bands
- PED waiting-period logic
- tele-MER scheduling
- medical-requirement tracking
All native, because DeployIT was built for health first. See retail health insurance for the full journey, or how clean cases reach issuance and disputed ones never reach claims.
Underwriting that decides in seconds, not days
A configurable rules engine paired with AI triage clears clean proposals straight through and routes the rest with structured context, so underwriters spend their time on the cases that actually need a human.
Rules engine plus AI triage
Configured insurer rules score every proposal while AI reads risk signals and flags exceptions, with humans and the rulebook making the final call.
No-code rules per product
Your ops team edits journey rules in a versioned, effective-dated console, so each product's logic changes without a release.
Straight-through clean cases
Proposals that pass every rule are auto-approved in seconds, reaching 85% STP on retail health and freeing underwriters for the exceptions.
Group and commercial cover
The same flow handles group health and commercial lines, applying each carrier's encoded rulebook for consistent, auditable outcomes.
Frequently asked questions
Does AI make final decisions?
No. AI triages; configured insurer rules and human underwriters decide.
Can rules change without engineering?
Yes. Versioned no-code updates, live immediately.
Whose rules run?
Each partner insurer's encoded rulebook; you see consistent outcomes per carrier.
Is tele-underwriting supported?
Yes. Tele-MER integrations with structured outcomes feed straight back into the case.
Bring us your hardest case.
We'll trace it through the rules engine live, decision log included.