One-Click AI Analysis: 8 Parallel Intelligence Checks on Every Submission (Extract, Enrich, STP, Appetite, Rate, Similar, Assign, CAT)
How InsightUW runs 8 AI-powered intelligence checks in parallel on a D&O Public Company submission — streaming results to progressive UI cards in under 12 seconds — so the underwriter sees a fully analyzed risk before they finish reading the cover email.
The Problem
Underwriters are drowning in manual pre-analysis. Before they can even form an opinion on a risk, they must:
- Extract key data points from the application (insured name, revenue, industry, limits requested)
- Enrich the submission with external data (D&B firmographics, SEC filings, litigation history)
- Check appetite against the company's underwriting guidelines
- Run a rate indication against the pricing model
- Search for similar risks in the book for benchmarking
- Evaluate STP eligibility — can this go straight through?
- Determine assignment — which underwriter should handle this?
- Run CAT exposure models for natural catastrophe accumulation
Each of these steps involves a different system, a different screen, and a different manual process. An experienced underwriter spends 20–45 minutes on this pre-analysis per submission. A junior underwriter takes longer and misses things.
The real cost is not just time — it is the sequential bottleneck. These 8 checks are largely independent of each other. There is no reason they cannot run simultaneously.
The InsightUW Approach
InsightUW's AI Intelligence Panel runs all 8 checks in parallel the moment an underwriter clicks a single "Analyze" button — or automatically on submission creation if configured. Results stream to the UI in real-time using Server-Sent Events (SSE), rendering as progressive cards that fill in as each check completes.
Check 1: Extract (AI Data Extraction)
Parses the submission documents (ACORD app, cover letter, attachments) using LLM-based extraction to pull structured fields.
Check 2: Enrich (External Data Enrichment)
Pulls firmographic, financial, litigation, and regulatory data from external providers.
Check 3: STP (Straight-Through Processing Evaluation)
Determines if the submission qualifies for automatic processing without underwriter intervention.
Check 4: Appetite (Underwriting Guidelines Check)
Evaluates the submission against the carrier's appetite guidelines for the specific LOB, industry, and limit.
Check 5: Rate (Pricing Indication)
Runs the submission data through the carrier's pricing model to generate a preliminary rate indication.
Check 6: Similar (Book Search)
Searches the carrier's book of business for similar risks to provide benchmarking context.
Check 7: Assign (Underwriter Matching)
Determines the best underwriter for this submission based on expertise, workload, and authority level.
Check 8: CAT (Catastrophe Exposure)
Evaluates natural catastrophe accumulation impact. For D&O this is typically low, but the check still runs for completeness and for LOBs where it is critical (Property, Builders Risk, Marine).
Progressive Card Rendering via SSE
The 8 checks stream their results to the frontend via Server-Sent Events. The UI renders 8 cards, each starting in a "loading" state and transitioning to "complete" as results arrive.
Use Case: D&O Public Company — Solaris Energy Holdings
The Scenario
An underwriter at Global Re opens submission SUB-2026-04-1847 for Solaris Energy Holdings — a $4.5B revenue public solar energy company requesting $20M D&O Side A/B/C coverage. Instead of spending 35 minutes pulling data from four different systems, the underwriter clicks a single button.
What Happens in InsightUW (Timeline)
| Time | Event | System Action |
|---|---|---|
| 10:00:00 AM | Underwriter clicks "Analyze" | POST to analysis orchestrator; SSE stream opens |
| 10:00:00 AM | 8 parallel workers launched | Extract, Enrich, STP, Appetite, Rate, Similar, Assign, CAT |
| 10:00:00.6s | Assign card completes | Patricia Reeves recommended (expertise 0.94, workload 14/20) |
| 10:00:00.9s | STP card completes | Not eligible — $20M limit exceeds STP max, active litigation |
| 10:00:01.1s | CAT card completes | No direct CAT exposure; market downturn correlation noted |
| 10:00:01.6s | Appetite card completes | Within appetite (score 78); ESG risk warning; senior UW referral required |
| 10:00:01.9s | Similar Risks card completes | 4 similar risks found; benchmark premium $401K avg |
| 10:00:02.3s | Extract card completes | 18 fields extracted with 96% confidence |
| 10:00:03.2s | Rate card completes | Indication premium $485K; range $425K–$560K |
| 10:00:04.1s | Enrich card completes | D&B 5A2, 1 active derivative suit, ESG score 72, no restatements |
| 10:00:04.1s | All 8 cards rendered | Full intelligence panel visible. Total elapsed: 4.1 seconds |
| 10:00:04.1s | Underwriter begins review | All pre-analysis complete. Decision context ready. |
The underwriter now has everything they need to form an opinion — extracted data, external enrichment, appetite validation, a rate indication, similar risk benchmarks, assignment recommendation, STP determination, and CAT exposure — all in 4.1 seconds instead of 35 minutes.
Metrics: Before and After InsightUW AI Analysis
| Metric | Before InsightUW | After InsightUW | Improvement |
|---|---|---|---|
| Pre-analysis time per submission | 20–45 minutes | 4–12 seconds | 99.5% faster |
| Systems accessed for pre-analysis | 4–6 separate applications | 1 click, 1 panel | 83% fewer systems |
| Data extraction accuracy | 78% (manual entry) | 96% (AI extraction) | 18% improvement |
| STP identification rate | 5% (manual identification) | 22% (automated scoring) | 4.4x improvement |
| Rate indication availability | After full review (days) | Immediate (seconds) | From days to seconds |
| Similar risk benchmarking | Rarely done (too time-consuming) | Every submission, automatically | 100% coverage |
| Underwriter capacity (submissions/day) | 6–8 | 12–16 | 2x throughput |
| Time to first underwriter action | 2–4 hours | < 5 minutes | 97% faster |
Key Takeaways
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Parallelism is the key insight. The 8 intelligence checks are largely independent. Running them sequentially is a design failure, not a technical necessity.
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SSE streaming makes the UI feel alive. Progressive card rendering gives the underwriter immediate feedback and lets them start reviewing the first results while later checks are still running.
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One click replaces 35 minutes of manual work. The underwriter's time is redirected from data gathering to decision making — where their expertise actually adds value.
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Every check produces structured, auditable output. The analysis results are stored with the submission, creating a full audit trail of what the AI found and recommended.
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STP identification at scale transforms throughput. Automatically identifying the 20–25% of submissions that can go straight through processing doubles effective underwriter capacity.
Ready to give your underwriters 8 checks in one click? InsightUW's AI Intelligence Panel transforms pre-analysis from a 35-minute manual process into a 4-second automated workflow.