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AI agent for underwriters

Underwriting Referral Queue Agent

Give underwriters a queue of complete, prioritized files.

Document handlingFinanceInsurance
See how it worksGet access
Underwriting Referral Queue Agent: what goes in, what the agent does and what you get

What it does

Referred risks pile up in a queue in arrival order, and underwriters open files only to find key information missing. This agent reads each referral, scores its complexity and value, and checks which information is missing, such as loss runs, building details or financial statements. It writes a request to the broker for each missing item and reorders the queue as answers come in, so files that are complete and valuable rise to the top. It flags items that are aging and those close to a quote deadline. If a broker does not reply, it sends a reminder and flags the file. The underwriter approves all decisions and every broker message.

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
ApprovedYes, continueNo 1 STARTS WHEN Referral arrives or morning update 2 USES A TOOL Read the referral and the guideline for the class ofrisk 3 DOES Score complexity and premium value 4 DOES Check which required items are missing 5 DOES Draft a request to the broker for missing items 6 YOU APPROVE Underwriter approves broker messages 7 USES A TOOL Track replies and update the file 8 CHECKS THE RESULT Is the file now complete? If not: send a reminder after 2 days and keep the filelower in the queue. Back to step 4. 9 DOES Reorder the queue by deadline, value andcompleteness 10 DOES Flag aging items and near deadlines 11 RESULT Ranked queue for the underwriters
Read the steps as a list
  1. Referral arrives or morning update
  2. Read the referral and the guideline for the class of risk
  3. Score complexity and premium value
  4. Check which required items are missing
  5. Draft a request to the broker for missing items
  6. Underwriter approves broker messagesThe agent waits here for your OK.
  7. Track replies and update the file
  8. Is the file now complete?If not: send a reminder after 2 days and keep the file lower in the queue. Back to step 4.
  9. Reorder the queue by deadline, value and completeness
  10. Flag aging items and near deadlines
  11. Ranked queue for the underwriters

How it decides

It ranks files by deadline, premium and completeness, and moves files with missing items down until answers arrive.

  • Rank files with quote deadlines in 3 days first
  • Treat a file as incomplete if any required item is missing
  • Flag items older than 5 days
  • Send a reminder after 2 days without a reply

Make it yours

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

  • Required items by class of risk
  • Aging threshold (default 5 days)
  • Reminder timing (default 2 days)
  • Ranking weights

What keeps you in control

It always asks you first

  • Underwriter approves every broker message
  • Underwriter makes every quote or decline decision

Hard limits

  • Never quotes, binds or declines a risk
  • Does not message brokers without approval

It stops when

  • Done: file complete and passed to the underwriter
  • Stop: broker withdraws the submission

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 happensOn Tuesday, 31 referrals were open. A $48,000 premium restaurant risk was missing a loss run and a cooking suppression certificate, so it sat low. The agent asked the broker. After two days with no reply, the completeness check failed and it sent a reminder. The documents arrived Thursday, the file moved to the top and the underwriter quoted it before the Friday deadline.

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