Draft first-pass underwriting notes with citations, in minutes.

AI Underwriting Copilot

T7 builds underwriting copilots that read the file, cite the guideline and draft the first-pass decision — while keeping the human underwriter in charge.

The problem

Senior underwriters spend hours per case on document review; junior throughput is limited by training and consistency.

Regulators want every decision explainable — most AI tools give a score, not a reason.

How T7 solves it

The copilot ingests the submission (application, financials, medical, prior decisions), retrieves relevant guidelines and comparable prior cases, and drafts a decision note with reasoning and citations.

ML-based risk scores ship alongside SHAP-based reason codes so underwriters and regulators see why.

Every decision has a full audit trail from source doc to final call.

The workflow

Step 1

Ingest & extract

OCR + LLM extraction on submission documents; structured facts feed the underwriting engine.

Step 2

Score & retrieve

Risk model produces a score with reason codes; RAG pulls guideline and precedent decisions.

Step 3

Draft & review

Copilot drafts decision note with citations; underwriter approves, edits or overrides.

Outcomes we ship for

50%
Faster underwriting cycle
+15pp
Junior-underwriter consistency vs. seniors
100%
Decisions with reason codes

The stack

Azure Document IntelligenceOpenAI / ClaudeXGBoostSHAPGuidewire / Duck Creekpgvector

Frequently asked questions

Is the AI the final decision-maker?

No. Every decision is human-in-the-loop; the copilot drafts and reasons, the underwriter approves.

How is fairness tested?

Protected-attribute testing pre-launch and continuous drift monitoring on fairness metrics post-launch.

Does it integrate with our policy admin system?

Yes — Guidewire, Duck Creek and custom PAS via API/EDI.

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