Insurance
Underwriters didn’t take this job to key submissions.
For MGAs and stop-loss shops. It reads submissions on a machine you own and shows the line. Your people still underwrite. Nothing goes to ChatGPT.
The submission
You’re spending 70% of the week on work that isn’t underwriting.
Accenture / The Institutes P&C Underwriting Survey, 2021. Why underwriters don’t underwrite much.
Seniors still match the files to each other, then key them into the rater.
Four to six days go by before anyone prices the risk.
The first clean quote still takes the bind.
How it works
Ask the question that takes hours.
It reads the laser and the census the way your people already do.
Ask who is lasered. You see both files.
The letter and the census row. You still set the attachment point.
Who is lasered?
Jordan Hale, $150k
laser letter · Hale
Member named Jordan Hale.
Specific deductible $150,000.
The amount is on this page.
census workbook · Hale
Jordan Hale.
Census ID 441-C-19.
The letter named this row.
Same pass for a loss-run row that isn’t in the reimbursement file.
The auditor
The AI runs on this machine.
Loss runs, laser letters, and medical files stay on it. You can point at the box.
Someone will ask where the AI runs. You point at this.
Nothing goes to the cloud.
If this submission is in ChatGPT, that is a binding-authority problem.
Don’t rip out Excel / Epic. Point it at the share.
It does not train anyone else’s model. How the machine works →
Questions
Who still underwrites.
Where does the AI run?
On a machine you own. On-premises. We can ship one, or we put the AI on a machine you already have. You can point at it. It does not run at OpenAI.
Does anything go to ChatGPT?
No. Loss runs, laser letters, and medical files stay on the machine you own. A carrier can ask where it went. You can show them the box.
If a submission is in ChatGPT, is that a binding-authority problem?
Yes. Binding authority assumes the files stay with you. ChatGPT is not that. Nothing goes there.
Does it bind the risk?
No. Your people still underwrite. It shows the line it used. It does not bind.
Do we rip out the rater?
No. Keep Excel / Epic. Point it at the share. It sits next to the tools you already quote from.
What happens if we stop?
It comes off your machine. The files were always yours. There is no cloud tenant to unwind.
Book a time
Ask where it would sit.
A first call. What you’d tell the auditor.