AI Assists Underwriting and Citation

This article is part of a series sponsored by Selectsys.

Underwriters and citation teams spend hours reviewing guidelines, food charts, and more. Selectsys AI Assist acts as an intelligent underwriting assistant within RQB and Expert Insured (EI), using carrier-trained models and program rules to guide users in real-time.

It tells the underwriter whether the risk is relevant to the appetite, flags missing information, and automatically writes checklist notes. The result is faster quoting, consistent decisions, and full audit trail.

How AI works

AI Assist connects to structured data from AI OCR and Submission Check, and compares other risks with stored underwriting guidelines.

Main functions:

• He reads rule books and appetite matrices.
• Suggests equality or inequality with reason codes.
• Flags lack the information needed to cite or bind.
• Summary notes are being prepared for submission, approval, or rejection.
• It learns from previous decisions to improve future directions.

All recommendations are visible within the workflow, which keeps the underwriter in control while iterative testing is performed.

Real Time Help Within RQB and EI

• RQB: highlights meal balances, required fields, and carrier-specific notes during quoting.
• EI (Policy and Forms Administrator): adds approve or deny reasons to the policy record and logs.
• BPO Pods: provides uniform guidance during support processing so that overseas teams follow consistent decisions.

This makes it a live writing assistant that works with human judgement.

What It Tests

• Business line and class fit
• Minimum and maximum limits
• Accepted regions and locations
• Required documents or inspection
• Triggers for referral or rejection
• Previous modifiers of loss or experience

AI Assist executes this test instantly and presents the underwriter with a clear yes, no, or flag with a supporting logic.

Meeting the Value Flywheel

• AI OCR: provides structured shipping data for AI Assist to analyze.
• Moving Triage: provides fullness and appetite goals.
• RQB: uses AI Assist results to pre-populate quote fields and rule validation.
• EI (System of Forms): attaches recommendation notes and decision tags.
• BPO Pods: ensures that processing groups follow the same rules.
• Statistics and PQI: tracks usage, accuracy, and output values ​​for tuning models.

This links the intelligence layer of the Value Flywheel directly to operations.

Key Benefits

• 50 to 70 percent reduction in manual guide viewing
• Fixed risk eligibility and fewer human errors
• Quick detection of missing information before quoting
• Faster approval cycles and improved compliance
• Continuous learning from accepted and rejected risks

Use Cases

Safety and Control

• All AI Assist recommendations are logged.
• The final decisions are left to the underwriters.
• SOC 2 Type II certified environment.
• No external data sharing; models that work within the Selectsys ecosystem.

Measured Impact

• Guide lookup time has been reduced by 60 percent
• Quotations are up 25 to 40 percent
• Consensus scores improved by 30 percent across groups
• The appearance of a complete evaluation of all decisions

Start the Pilot

Check out AI to help with your guidelines and carrier plans.
A scoped pilot can be deployed in 7 to 10 days with live RQB and EI integration.

Frequently Asked Questions

What is AI Assist?
An underwriting assistant who reads guidelines and suggests risk equity, missing data, and next steps during quoting.

How does it relate to RQB and EI?
Works within RQB and EI, displays control panels during citation and records results in policy record.

Is AI Helping to Replace Underwriters?
No. Provides recommendations and notes; the final decisions are always people.

How quickly can we test it?
7 to 10 business days for the pilot using your rule sets and carriers.

Additional resources:

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