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AI agent for underwriters

Policy Wording and Endorsement Check Agent

A quote whose wording matches approved forms, with agreed exclusions present and exceptions approved

Quality controlComplianceInsuranceFinance
See how it worksGet access
Policy Wording and Endorsement Check Agent: what goes in, what the agent does and what you get

What it does

Quote wording often drifts from approved forms, and agreed exclusions get lost during edits. This agent compares the draft quote and endorsements to your approved form library. It flags added, removed or changed wording and checks that every exclusion agreed with the broker appears in the document. It reruns after each edit so that a fix does not create a new gap. It labels any wording outside the library as non-standard and explains the difference. Underwriting management approves any non-standard wording before release. Edge case: a form was revised last month, so the agent tests against the current version and warns if the draft used the old edition.

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.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueApprovedYes, continueNoNo 1 STARTS WHEN Draft quote is ready 2 USES A TOOL Read the quote and endorsement text 3 USES A TOOL Match each form to the approved library and edition 4 DOES Compare wording and mark added, removed or changedtext 5 CHECKS THE RESULT Does every agreed exclusion appear in the draft? If not: list the missing exclusions and ask theunderwriter to restore them. Back to step 4. 6 DOES Label non-standard wording and explain thedifference 7 YOU APPROVE Underwriting management approves any non-standardwording 8 USES A TOOL After any edit, rerun the comparison 9 CHECKS THE RESULT Is the edited draft free of new differences? If not: flag the new differences and repeat. Back tostep 4. 10 RESULT Wording check report attached to the quote
Read the steps as a list
  1. Draft quote is ready
  2. Read the quote and endorsement text
  3. Match each form to the approved library and edition
  4. Compare wording and mark added, removed or changed text
  5. Does every agreed exclusion appear in the draft?If not: list the missing exclusions and ask the underwriter to restore them. Back to step 4.
  6. Label non-standard wording and explain the difference
  7. Underwriting management approves any non-standard wordingThe agent waits here for your OK.
  8. After any edit, rerun the comparison
  9. Is the edited draft free of new differences?If not: flag the new differences and repeat. Back to step 4.
  10. Wording check report attached to the quote

How it decides

Wording is standard only when it matches the current approved form. Anything else is flagged and needs management approval.

  • Compare against the current edition of each form
  • Flag any missing agreed exclusion
  • Label wording outside the library as non-standard
  • Treat any edited draft as new and recheck it

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Form library location
  • Edition handling (default: latest only)
  • Exclusion list source
  • Who approves non-standard wording

What keeps you in control

It always asks you first

  • Underwriting management approves non-standard wording before release

Hard limits

  • Never edits the quote itself
  • Never releases a quote

It stops when

  • Done: the draft is clean or exceptions are approved
  • Stop: an approved form for the line of business is not in the library

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.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • 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
Get access to this agent

An example run

What happensA draft for a restaurant policy used last year's liquor endorsement edition. The agent flagged it and loaded the current one. The exclusion check found the agreed assault and battery exclusion missing. The underwriter restored it. On the recheck, one sentence in a custom clause was non-standard, so it went to management for approval.

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