Improving underwriting productivity through evidence-driven decision support

The Summary

Kamios implemented a recommendation-only underwriting assistant that assembles evidence, summarizes medical information, evaluates manual-rule engagement, and continuously measures performance through a dedicated evaluation framework. Underwriters retain full decision authority while benefiting from better-prepared case files.

The customer wanted to increase underwriting efficiency without increasing underwriting risk. While rules engines could process straightforward applications, underwriters still spent significant time assembling and reviewing medical evidence before making decisions.