Underwriting Dashboard

A faster, more consistent underwriting desk

Referred cases land in one shared queue, each on a workbench tailored to the product - risk, coverages, pricing, history and documents in one place, with AI decision support. Rules auto-issue the rest.

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Underwriting Workbench & Rules | Openkoda

Auto-issue the simple

Straight-through rules clear routine business so underwriters focus on real risk.

Faster decisions

A copilot surfaces the factors that matter on each referred case.

Consistent & auditable

Your rules, applied the same way every time, with a full decision trail.

Automate the routine, focus on the risk

Let rules handle the straightforward business and give underwriters everything they need to decide the rest quickly and consistently.

Capabilities

What you can do

Let the clean business write itself

Rules auto-issue the risks that meet your appetite, so underwriters only open what genuinely needs judgement. Volume grows without adding headcount, and straightforward customers get an answer in seconds rather than days.

Underwrite to one consistent standard

Appetite, referral triggers and pricing rules are authored once and applied to every submission. A new underwriter works to the same standard as your most experienced one, and you can show exactly why any risk was accepted, referred or declined.

Change your appetite the week the market moves

Tighten a referral trigger or adjust an appetite rule yourself and it applies to the next submission. No release cycle, so you can respond to loss experience or a hardening market while it still matters.

What's included

Everything you need, in one underwriting dashboard

Straight-through rules

Auto-approve business that meets your criteria and refer or decline the rest - automated underwriting handles the clean cases in seconds so your team spends its time on the risks that actually need judgment. You set the thresholds, and the underwriting process runs consistently on every submission.

Configurable workbench

A per-product underwriting workbench that puts risk, coverages, pricing, history and documents in one view, laid out for how each line of business actually works. Underwriters get instant access to the full picture without switching between tabs or systems, so nothing gets missed and decisions move faster.

Underwriting copilot

AI decision support highlights the risk and pricing factors that matter on each submission, surfacing the underwriting data an underwriter would otherwise dig for. It's data-driven decision making in practice - the copilot flags what's material when evaluating risk, but the call stays with your team.

No-code underwriting rules builder

Author referral, decline and pricing rules yourself, without waiting on IT or a vendor release. As your appetite shifts, you adjust the rules that drive automated underwriting the same day - keeping your underwriting operations aligned with the market instead of lagging behind it.

Secure document requests

Ask the client for a document with one secure, login-free link. It lands straight against the submission, so the missing form or valuation comes back in hours rather than days and the underwriting process keeps moving.

Decision audit

Every approve, refer and decline is recorded and defensible, with the rule logic and underwriting data behind each outcome captured automatically. You get a clean trail for regulators and reinsurers, plus the raw material to review underwriting performance and sharpen your rules over time.

Minutes

to change a product

100%

you own it

vendor lock-in

Policies in force · last 12 weeks↑ 24%

Motor

72%

Home

54%

Travel

38%

How it works

Up and running, fast

Rules triage the queue

Straightforward risks auto-issue.

Review on the workbench

Everything about the case in one view.

Decide and issue

Approve, refer or decline - all audited.

See it in action

Review a referred life case

A life application is referred for a medical condition and needs a quick, consistent decision.

Land in the queue

The case arrives on the workbench with risk, coverages and pricing in one view.

Get AI support

The copilot surfaces the key factors; the underwriter requests a missing report via a secure link.

Decide

The underwriter approves with a loading; the quote re-prices and the decision is logged.

Illustrative example built on Openkoda's demo products.

Who it's for

Underwriting Software for Your Team

Built for underwriting teams across personal, commercial and specialty lines. Underwriters get a workbench shaped around the product in front of them; managers get rules that hold the line on appetite without policing every case.

FAQ

Questions, answered

Can we automate straightforward cases?

Yes. Rules auto-issue business that meets your criteria and refer only what needs a human, so an automated underwriting system handles the clean submissions while your team focuses on the ones that need judgment. You set the thresholds, and the underwriting process runs the same way on every case.

Is the workbench configurable?

Yes. Each product's underwriting workbench layout - tabs, sections and components - is configuration, not custom code. You lay out risk, pricing and documents the way each line of business actually works, so underwriters get the full picture in one view.

What does the AI copilot do?

It surfaces relevant risk indicators and pricing factors as decision support; the underwriter always decides. The copilot reads the submission and highlights what's material, so the analysis an underwriter would otherwise dig for is there up front - without taking the call out of their hands.

Can we author our own referral and pricing rules?

Yes. Referral, decline and pricing rules are built by your team in a no-code rule builder, with no wait on IT or a vendor release. As your appetite or pricing models shift, you adjust the rules the same day and keep the underwriting process aligned with the market.

How do we request a missing document?

Send the client a secure, login-free link to upload a document straight onto the case. It lands against the right submission automatically, so the missing form or valuation comes back in hours rather than days and the case keeps moving.

Is every decision recorded?

Yes. Every approve, refer or decline is logged and defensible, with role-based access throughout. Each outcome captures the rule logic and underwriting data behind it, giving you a clean trail for regulators and reinsurers and the raw material to sharpen your rules over time.

Can it integrate with our other systems?

Yes. The platform exposes APIs so submission and underwriting data flows to and from your policy admin, pricing and reporting tools instead of living in a silo. You can pull in third party data - sanctions, credit, property or peril feeds - to enrich risk evaluation at the point of decision, so underwriters aren't re-keying what another system already knows.

Can we see how our underwriting affects results downstream?

Yes. Because underwriting and claims run on one platform, you can tie decisions back to claims data and watch how your rules play out in real loss ratios over time. Seeing the claims ratio against the risks you accepted turns underwriting from a point-in-time call into a feedback loop you can actually tune.

See Openkoda in your context

Book a live, personalized demo with our product team - tell us your use case and see the platform work with your data. No commitment.

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