Rule-Based Priority Scoring: How InsightUW Ranks Every Submission by Business Importance
7 configurable factors. One score. Clear rationale for why this submission should be worked first.
The Problem
An underwriter opens their queue Monday morning to find 25 new submissions. Which one do they work first? In most shops, the answer depends on who emailed last, which broker called, or gut feel. The $25M Cyber submission from a key broker with an effective date in 10 days sits behind a $500K GL submission that arrived first. FIFO works for fast food — not for underwriting.
The InsightUW Approach
InsightUW calculates a 0-100 priority score for every submission using 7 configurable business rules. Each factor produces a weighted score with transparent rationale — so the UW sees not just "high priority" but exactly why.
The 7 Factors
| Factor | Max | What It Rewards |
|---|---|---|
| Key Broker | 20 | Strategic broker relationships (configurable tiers) |
| Inception Date | 20 | Urgency — closer effective date = higher score |
| Growth LOB | 15 | LOBs targeted for growth in the strategic plan |
| Premium Size | 15 | Larger accounts = greater profitability impact |
| Retention | 15 | Renewals prioritized over new business |
| Rush | 10 | Rush-flagged submissions get maximum urgency |
| Appetite Fit | 5 | Strong appetite fit submissions rise in queue |
Transparent Rationale
Every score comes with a per-factor breakdown:
LOB-Specific Example
Two submissions arrive the same morning:
| Submission | Score | Top Factors | Action |
|---|---|---|---|
| NovaPay Technologies (Cyber, $15M, Gallagher, effective in 9 days) | 58 | Inception urgency (16) + Growth LOB (15) + Premium size (12) | Work first — inception is imminent |
| Ironclad Construction (WC, $1M, Lockton, effective in 40 days) | 33 | Key broker (20) only; low premium, distant inception, no growth target | Can wait — no urgency despite key broker |
The UW sees exactly why NovaPay ranks higher and can confidently start there.
What This Means for Underwriters
- Data-driven queue — submissions ranked by business impact, not arrival order
- Configurable to your strategy — broker tiers and growth LOBs reflect your carrier's actual goals
- Transparent — every score shows per-factor breakdown with progress bars
- Dynamic — scores update as inception dates approach or rush flags are set
- Leaderboard — API returns top 50 submissions by priority for management visibility
What's Next
Next: Quality Scoring — How Ready Is This Submission for Underwriting?
Want to see rule-based priority scoring on your work queue? Request a demo.