AI agent for underwriters
Application Versus External Data Agent
A short list of confirmed differences between the application and outside records, with evidence
What it does
Applicants sometimes understate details such as building age, driving record or revenue, and nobody cross-checks them. This agent compares the statements in an application to outside sources such as property records, motor records and company filings. It flags differences above a set tolerance. Before raising a question, it tries a second source to see whether the first record is just wrong or out of date. Only confirmed differences go forward as questions for the broker. The underwriter approves any question and any change to terms. Edge case: a building shows a 1965 build date but a 2015 renovation, so the agent flags the age as unclear instead of mismatched.
How it works
Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.
Read the steps as a list
- Application received for review
- Extract key statements from the application
- Look up each statement in external sources
- Compare values and mark differences above the tolerance
- Does a second source confirm each difference?If not: try another source or mark the difference as unclear. Back to step 3.
- Rank confirmed differences by effect on risk and price
- Draft questions for the broker with evidence
- Underwriter approves each question and any change to termsThe agent waits here for your OK.
- Cross-check report added to the file
How it decides
A difference is raised only when it exceeds the tolerance and a second source agrees or no second source disproves it.
- Raise a difference only above the tolerance for that field
- Require two sources before calling a statement false
- Mark conflicting sources as unclear
- Rank by effect on risk
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Tolerance by field (default: 10% for money, 5 years for building age)
- Sources allowed
- Fields to check
- Ranking rules
What keeps you in control
It always asks you first
- Underwriter approves every question to the broker and any change to terms
Hard limits
- Never contacts the broker or applicant
- Never changes a quote or terms
It stops when
- Done: all differences are confirmed, cleared or marked unclear
- Stop: the applicant cannot be matched to a record
Set it up
We guide you through the set-up, step by step
Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.
- One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
- The agent then walks you through connecting your own data, one source at a time
- A downloadable copy with the flow chart, the rules and the full guide
