Insurance·Client identity withheld
An insurer modernises underwriting judgement alongside its new pricing engine
A faster pricing engine is only as good as the underwriters who use it.
THE ENGAGEMENT
A problem worth solving — and a change worth making stick.
A new pricing engine gave underwriters faster, more granular risk signals, but underwriting judgement and referral practice had not been redesigned around it.
01
The challenge
Underwriters either overrode the new signals out of habit or deferred to them without judgement — both weakened the value of the investment.
02
What we did
We redesigned underwriting authority levels and referral triggers around the new signals, and built underwriter capability through paired review of live decisions rather than classroom sessions on the tool.
03
Outcome & impact
Underwriters developed a consistent practice for when to trust, question or override the pricing engine, and referral volumes became more proportionate to genuine risk. Metrics are withheld at the client’s request.
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