AI Initial Analysis Report: 9 Categories of Findings Delivered to Your Notification Bell
One click. Nine analysis categories. One consolidated report. Automatically notified.
The Problem
An underwriter receives a new submission. Before they can make any decisions, they need to check: Is it priority? Is it ready? Any risk flags? Clearance status? Within authority? Market conditions? Documents complete? Each of these is a separate click, a separate screen, a separate mental model. By the time they've checked everything, 20 minutes have passed — and they haven't started underwriting.
The InsightUW Approach
InsightUW's AI Initial Analysis runs all 9 checks in one click and delivers a consolidated findings report with an overall assessment. The assigned UW is automatically notified via the bell icon — no need to even open the submission to know there's an issue.
Three Assessment Levels
| Assessment | Trigger | Color | UW Guidance |
|---|---|---|---|
| ELEVATED | 2+ high-severity findings | Red | "Require attention before proceeding" |
| MODERATE | 1 high or 3+ medium | Amber | "Review flagged items" |
| FAVORABLE | No significant issues | Green | "Proceed with underwriting review" |
What Each Category Checks
| Category | Example Finding |
|---|---|
| Priority | "Score 47/100 (medium). Top factor: Key Broker." |
| Quality | "Score 57/100 (fair). Weakest: Clearance Status." |
| Risk Elements | "3 flags: CFO departure, ESG litigation, publicly traded" |
| Claims/Financial | "Revenue volatile, operating margin 8.1%, debt 0.52" |
| Clearance | "Pending — not yet run" |
| Industry Class | "UT-SOL-01, Energy-Renewable, Hazard III, 1.35x" |
| Authority | "$20M — within senior UW authority" |
| Market | "D&O: softening, -3% to -5%, ample capacity" |
| Documents | "Checklist not initialized" |
LOB-Specific Example
D&O for Solaris Energy Holdings — MODERATE Assessment:
Sarah Chen clicks "AI Initial Analysis." In 2 seconds, the report appears:
MODERATE — 1 high and 4 medium findings. Review flagged items.
| Finding | Severity | Detail |
|---|---|---|
| Priority | Medium | 47/100. Key broker (Lockton) is top factor. |
| Quality | Low | 57/100. Clearance not yet run. |
| Risk Elements | HIGH | 3 flags: CFO departure, pending ESG litigation, publicly traded |
| Claims/Financial | Medium | Revenue volatile, debt ratio 0.52 |
| Clearance | Medium | Pending — needs to be run |
| Classification | Low | Validated: UT-SOL-01, Energy-Renewable |
| Authority | Medium | $20M limit, within senior UW authority |
| Market | Low | D&O softening, rates -3% to -5% |
| Documents | Low | Not initialized |
Sarah's bell icon shows: "AI Analysis Complete: Solaris Energy — D&O (MODERATE). 1 high and 4 medium findings."
She immediately knows the #1 concern: risk elements (CFO departure + ESG litigation). She can address this before diving into detailed underwriting.
What This Means for Underwriters
- 20 minutes → 2 seconds — all 9 checks run in parallel, one consolidated report
- Proactive notification — UW alerted via bell icon before they even open the submission
- Severity-coded — red/amber/green per finding, plus overall assessment
- Actionable — each finding tells you exactly what needs attention
- Audit trail — every analysis logged for compliance
What's Next
Next: AI Trend Detection — Proactive Alerts on Broker Volume, Hit Ratios, and Market Shifts
Want AI to analyze every submission before you open it? Request a demo.