Introducing the AI Underwriter for Life & Health

Today, Sixfold is introducing the AI Underwriter for Life & Health, built to produce case-level underwriting recommendations, rationale, and next actions across life, disability, long-term care, and critical illness.

The AI Underwriter reads the evidence in a case, applies the carrier’s underwriting manual, weighs mortality and morbidity risk, and shows its work back to the underwriter with source citations and manual references. It does not just summarize what is in the file. It helps turn evidence into underwriting work product that a carrier can review, govern, and act on.

Sixfold has supported Life & Health insurers for more than three years, including Guardian, New York Life, and ClearView. Our first Life & Health solution helped underwriters save time by turning applications into underwriting-ready overviews. The AI Underwriter takes the next step: from organizing the case to helping underwriters move from evidence to recommendation.

How It Works

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It gets to work the moment evidence lands, reading prescription histories, lab results, driving records, and financial information in the context of the carrier’s underwriting manual, whether proprietary or a reinsurer's. From there, it logs the most relevant impairments, flags missing data, and provides rating recommendations with the rationale behind each one.

Take a diagnosis of hypertension. The AI Underwriter identifies the diagnosis, looks into how the condition has been controlled over the years and any recent spikes, and references the manual to determine if that finding should result in a debit or credit, an exclusion, or a postponement. It surfaces that as a complete recommendation to the underwriter, who can ask questions, check citations, and apply further judgment.

Impairment level findings come together into a single overall case rating, arriving at one clear action: rate, refer, decline, or postpone. Underwriting can proceed accordingly, and each insurer decides how much human oversight to apply.

What Customers Are Seeing

Customers have seen a 55% reduction in case evaluation time and 30% more premiums written per underwriter, along with more consistent and confident decisions and more time to focus on growing their portfolio and achieving better customer coverage.

"Sixfold has helped our team save time by not having to manually chase down page references and missing details in medical reports. We've seen a 55% reduction in time to evaluate a case,"

- Peter Tilocca, Head of Underwriting at ClearView.

Built Responsibly, From Day One

Responsible AI has been core to Sixfold since its founding in 2023. Sixfold maintains an active AI Governance Program, engages with the NAIC and other regulators, and just published its third annual Responsible AI Report in August, detailing how it builds safety, governance, and auditability into its products.

"Life and health underwriting is not a summarization problem. It is impairments, products, manuals, evidence, exceptions, and judgment. Getting this right meant building an AI Underwriter that understands the work behind the decision, earns underwriters' trust in the details, and meets the responsible AI bar this industry deserves. Life & Health has not had a real technology moment in a long time. We think this is it."

- Alex Schmelkin, Founder and CEO of Sixfold

An Optimistic Future for Underwriting

The AI Underwriter for Life & Health changes the way underwriters work, freeing them to focus on the parts that only human expertise can bring: deciding when to be more lenient on a risk, negotiating terms with a broker or agent on a complex case, and building customer relationships.

And underwriters are already feeling positive about the role's future. In Sixfold's recent research survey of more than 250 Life & Health underwriting professionals, 86% said they feel more excited about the industry's future because of AI, citing the impact they're seeing in their day-to-day work. Sixfold is excited to get the AI Underwriter into the hands of underwriters and continue that momentum.

The AI Underwriter for Life & Health is available now.

‍Reach out to see it in action.

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