A 53% capacity uplift per Underwriter, without removing human judgment

An assisted-underwriting agent runs the intelligent intake, reads the documents, runs the eligibility and risk-appetite checklist, and arrives at the Underwriter with a pre-opinion, risk summary, and follow-up questions — every step audit-trailed.

• +53%capacity per Underwriter, with human control preserved
• ~71%of document analysis pre-processed before reaching the Underwriter
• 4 layersaudit trail: sources, versions, justifications, approvals
• 0 ungoverned decisionsevery decision traceable end to end

The Underwriter applies expertise where it matters and signs off a defensible decision. The carrier writes 53% more business per Underwriter without easing risk discipline.

Underwriting is judgment work, but most of the day around it is not. Document analysis, pendency-chasing, and eligibility checklists eat the Underwriter's hours before they ever apply their expertise. Proposals advance with incomplete data, decisions stay loosely standardized, and the audit trail is rebuilt by hand at the end. The client is not named publicly; the sector, scope and figures in this study are verified by HomoDeus, 2026.

Subscription decisions depend on manual document analysis, proposals advance with pendings and incomplete data, and the decision becomes hard to standardize or trace. The Underwriter spends judgment hours on rote work, which caps how much business the team can write per month.

HomoDeus builds an assisted-underwriting agent with intelligent data, document, and context intake. The agent reads the documents and flags pendencies, runs the eligibility and risk-appetite checklist, and delivers a pre-opinion, risk summary, and follow-up questions to the Underwriter. Every decision is audit-trailed end to end with sources, versions, justifications, and approvals — the Underwriter applies judgment instead of chasing data.

Intelligent intake (data, documents, context) · Automatic document reading + pendency detection · Eligibility + risk-appetite checklist · Pre-opinion + risk summary generator · Follow-up question agent · Audit trail (sources / versions / justifications / approvals)

Time to production: 6-8 weeks to first production agent

• Product, Channel & Commercial SupportA product-and-channel copilot that reclaims 200+ hours a month from Commercial Support
• Claims, NPS & Voice of CustomerA radar that consolidates SAC, ouvidoria, NPS, CRM and claims into one feedback loop, cutting recurring complaints by 42%
• Regulatory, Susep & ComplianceA regulatory copilot that gets Compliance approval 89% faster across product, channel, and communications