AI Underwriter · Policy issuance monitor

Every policy your brokers issue, checked again by morning.

AI Underwriter is a second underwriter for your whole book. Trained custom AI models read every document, our rule engine re-checks every issued policy against your own rules, approvals and every other policy, and you get a daily report of what got through, with the evidence. It runs after issue, so it never slows a sale.

OVERNIGHT CHECK DEMO DATA
POL-2026-004104Juniper Insurance Clean
POL-2026-004105Northwind Brokers Clean
POL-2026-004106partner_api · Edited after the quote Check
POL-2026-004107Bluewater Insurance Services Clean
POL-2026-004111Northwind Brokers · Document mismatch Red
POL-2026-004112branch East Clean
POL-2026-004113Harborline Brokers · Payments could not be read Can't verify
POL-2026-004114Maplegate Brokers Clean
1Red
1Check
5Clean
1Can't verify
The daily report: policies checked, red, to check, and what stands out

The daily report on demo data: policies checked, red, to check, and what stands out.

100% of policiesnot a sample
By next morningevery day
Zero changesto your sales flow
The problem

Brokers, agents, aggregators and partner APIs issue thousands of policies a day in your name.

You set the rules, but you can't see what happens at the point of sale:

01A driver's real date of birth that makes them under age.
02A licence that belongs to someone else, or one made from a blank template.
03One licence or one car behind several unrelated customers.
04A rule broken and "approved" by the same person who raised it.
05Cover that started before the policy was paid for.
06"No claims" declared while claims sit in your own records.
SPOT CHECKSMost insurers find these at claim time, if at all. Spot checks see a few percent of the book and nothing across it.
AI UNDERWRITEREvery policy, not a sample. And the same licence, car or document image across your whole history.
How it works

8-step assurance pipeline.

The AI reads and explains; the code decides.

01 / 08
STEP 01 / 08

Connect

Read-only access to the policies you issued: a read-only database user, or our Audit Connect API. Nothing on your side changes.

ACCESS
Read-only database user Audit Connect API
What it checks

Four levels, and a flag always states a fact.

YESTERDAY'S BOOK · DEMO DATA 48 / 48
Red2
Proven, by your records or by two document reads that agree
POL-2026-004459 POL-2026-004291
Check4
Evidence that needs a person's eye
POL-2026-004508 POL-2026-004403 POL-2026-004333 POL-2026-004228
Clean41
Nothing found, or an exception that was properly approved
POL-2026-004529 POL-2026-004522 POL-2026-004515 POL-2026-004501
Can't verify1
The data the rule needs is missing
POL-2026-004375

Ten families of flags.

SELECT A FAMILY01 / 10
FAMILY 01 / 10

Broke your rules, no valid approval

01 Age
02 Experience
03 Excluded make or model
04 Car too old or too valuable
05 Plan not active
06 Blacklisted name, traffic code or chassis

What goes in, what comes out.

YOU GIVE US
Once, and when they change
Rules and plan conditionsRating tablesBlacklist and releasesWho may approve which exception
For every policy
Policy and quoteInsured and carReferrals and approvalsEvery document submittedChange historyPaymentsClaims
Access
A read-only database user, or our Audit Connect API
AI Underwriter Read-only, after issue, no delay to the sale.
YOU GET BACK
Daily reportReds first, then checks, ranked by money at stake and grouped by broker, each linked to its evidence
Evidence page per policyEach document against the record, both reads, the rule and its version, the approval, and the data used
Broker scorecard and watch listEvery seller's rates against its peers, with the method explained
TrendsPer flag and per broker
CoverageWhat was checked and which data could not be read
Findings feed (API)Verdict, flags and an evidence link per policy, for your own systems
The screens

See what got through, with the evidence.

Logins with roles: your viewers see your book only; every evidence page opened and every export is logged.

Daily report
The daily report: policies checked, red, to check, and what stands out The evidence page for one red policy The seller scorecard and watch list Trends per kind of flag, per 1,000 policies checked

All on demo data: "Northstar Insurance", "Northwind Brokers" and the rest are invented.

Why AI Underwriter

Benefits today.

01Every policy, not a sample.The data checks run on the whole book: over 900,000 policies in under five hours, a day's business in minutes.
02It reads the documents, not just the data.Each document against the typed values, the other documents and your rules: another car's passing paper, a template licence, one card under several names.
03It sees what one policy can't.The same licence, car or document image across your whole history.
04Your rules, as they stood on the day.An independent engine with its own rule history: every verdict can be reproduced.
05It checks who approved what.Self-approvals, approvals after issue, approvals that covered the wrong rule.
06It shows which brokers.Patterns per broker and per issuing account, with the statistics to back them.
07Careful by design.Red only when proven. Never a "fraud" label. Evidence on every flag. People decide.
08Nothing to change on your side.Read-only, after issue, no delay to the sale, no new screens for your brokers.
09Cents per policy.Start with the data checks alone on the whole book, then add documents where they pay.
Benefits over time · the reporting

The value grows with the history.

Every day's results are stored with their evidence, so the value grows with the history.

01
Broker scorecards and watch lists Monthly and weekly: which sellers' reds, altered documents, self-approvals or backdating run far above their peers, and whether it is getting better or worse.
02
Trends Per flag and per broker: see a new pattern start, and see a control you fixed actually work.
03
Control-gap report Every hole in your own system that let a policy through, how often, and how to close it (a duplicate-licence check at issue, two-person approval, comparing the ID and licence dates of birth).
04
Management report Policies checked, reds by type and by broker, money given against your own rules, trends.
05
Claims back-test Claim rate and loss ratio of flagged against clean policies, to price the risk you are buying through each channel.
06
Assurance pack for regulators, reinsurers and auditors Proof that every policy was checked against the rules in force, with reproducible verdicts.
Case study · A UAE motor insurer

The whole book, checked again.

Policies sold through brokers and partners are re-checked every night. Documents that did not match, approvals that broke the insurer's own authority rules, and seller patterns that no single policy shows came back with their evidence, without one change to the sales flow.

900,000+policies checked on their data in under 5 hours
1,000,000policies cross-indexed in 4 minutes
Every dayyesterday's issued policies, checked by morning
8holes in the insurer's own controls found in one sweep, each with its fix
Technical specifications

Enterprise-ready.

Read-only database user, scoped to the collections the checks needAudit Connect REST APIAudit packet schema with optional sections, so insurers with less data still fit
FAQ

Common questions.

Does it stop or delay a sale?

No. It runs after issue, on what was already sold.

Does it change anything in our systems?

No. It reads, read-only, and returns flags, reports and data through its own screens and API.

Will it call our customers or brokers fraudsters?

Never. A flag states a fact with its evidence; your people decide.

How do you avoid false alarms?

Red only when your own records prove it, or when two independent reads of a document agree. Anything less is a Check for a person.

Where does our data live?

In the UAE cloud or on your own servers. Documents are not kept.

How fast can we start?

With a read-only connection, the data checks can run on your whole book in the first week; documents follow.

See what got through yesterday.

Every policy, every document, every approval, checked again by morning.

Book a demo → info@vionextech.com