Published on: 
January 14, 2026

AI Adoption Guide for Underwriting Teams

5 min read

Over the past few years at Sixfold, we've helped more than 50 underwriting teams bring AI into their day-to-day work. From global carriers to innovative MGAs, teams ranging from five to 200 people across P&C, Life & Health, and specialty lines.

Different customers with different needs, but one common pattern: the teams that succeed with AI aren't the ones waiting for a perfect solution. They're the ones who start. They take the project out of the product roadmap and bring AI into how their team actually works, into the culture, the habits, the daily routine.

The goal is to take manual work off underwriters' plates so they have time to focus on complex decisions, bind more premium, and strengthen broker relationships. The secret is to simply start.

From our experience working with underwriters on a daily basis, one thing is clear: successful adoption doesn't come from trying to solve everything at once. It starts with one clear, impactful pain point.

Achieveing a successful start

  1. Pick a pain point that underwriters already feel every day. Something that eats up hours, like digging through pages of documents to find one relevant detail about a risk. When underwriters see real value, they'll use it and share the wins with their peers.
  2. Get leadership buy-in from leaders who understand why it matters, not leaders who add AI just to check a box. Leaders who actively support underwriters as they try something new make the difference.

And just as important: underwriters need to see what's in it for them. Concrete changes to their day-to-day work, not abstract efficiency gains.

“We focused on a use case underwriters actually asked for. And then accuracy became everything. If they can't trust the output, it doesn't matter how cool the technology is.”

─ Amy Nelsen, Head of UW Operations, Middle Market at Zurich North America

That's just the first step. We've put together a 5-stage guide that covers what comes next, from building trust, making it effortless to use, to spreading adoption across the team. 

Download the guide here
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Ana Clara Ribeiro
Associate Marketing Manager
Use Case
Current Process
With Narratives
Quoting
Currently, risk factors are pulled together manually to decide if a case should be quoted.
Automatically summarizes key risk drivers upfront, providing a clear snapshot to prioritize cases faster.
Peer Reviews
Peer reviews are slowed by unstructured summaries; reviewers often have to go back to source documents.
Risk factors and case notes are presented clearly and consistently.
Referrals
Referral memos vary between underwriters; approvers often have to sort through inconsistent write-ups to understand the case.
Consistent case summaries make it easier for approvers to see the full risk story and sign off faster.
Decision Documentation
Underwriting rationale is often recorded unevenly; teams spend time cleaning up notes when preparing for audits.
A standardized record of underwriting rationale is created automatically, ready for audit without extra effort.
Business Impact
Faster decisions on which risks to quote.
More consistent risk appetite application and faster reviews.
Faster referral decisions.
Lower compliance risk and faster audit prep.
Quoting
use case
Current Process
Currently, risk factors are pulled together manually to decide if a case should be quoted.
With Narratives
Automatically summarizes key risk drivers upfront, providing a clear snapshot to prioritize cases faster.
Business Impact
Faster decisions on which risks to quote.
Peer Review
use case
Current Process
Peer reviews are slowed by unstructured summaries; reviewers often have to go back to source documents.
With Narratives
Risk factors and case notes are presented clearly and consistently.
Business Impact
More consistent risk appetite application and faster reviews.
Referrals
use case
Current Process
Referral memos vary between underwriters; approvers often have to sort through inconsistent write-ups to understand the case.
With Narratives
Consistent case summaries make it easier for approvers to see the full risk story and sign off faster.
Business Impact
Faster referral decisions.
Decisions Documentation & Audits
use case
Current Process
Underwriting rationale is often recorded unevenly; teams spend time cleaning up notes when preparing for audits.
With Narratives
A standardized record of underwriting rationale is created automatically, ready for audit without extra effort.
Business Impact
Lower compliance risk and faster audit prep.