Meet Narrative: Your Shortcut to Risk Documentation
No one became an underwriter because they love writing case documentation. But that’s where a huge amount of time goes today. Referral notes, peer review memos, audit documentation, written and rewritten, case after case.
- A single case can take an hour, often several hours, to document.
- Multiply that across a typical team handling hundreds of submissions each week. The result is thousands of hours spent each year on documentation alone.
- Underwriters are doing this work while balancing dozens of other tasks: reviewing new submissions, responding to brokers, preparing quotes, and managing existing accounts.
80% Automation, 20% Judgment
Sixfold’s Narrative feature automates and standardizes how risk is communicated across the organization. It automatically generates a risk narrative that matches each insurer’s appetite, tone and format, while giving underwriters the flexibility to apply their own judgment where it matters.
See below for a quick product walkthrough from Shirley Shen, Senior Product Manager @Sixfold:
The Narrative feature is built to:
1. Align with the insurer’s unique risk appetite
2. Surface key facts and risk insights that matter most
3. Adhere to required documentation standards and formats
“Think of all the documents underwriters have to create for administrative purposes. Anything that requires them to synthesize the risk overall. Sixfold is doing 80% of that now: bringing together all the facts. Then the underwriter just adds the last 20%, the judgment call.”
- Laurence, Head of Customers and Partnerships @Sixfold
Proven with Zurich’s North America Team
The Narrative feature was developed and validated through the 2024 Zurich Innovation Championship (ZIC).
Over a 6-week sprint with Zurich’s North America Middle Market team, Sixfold:
- Partnered with 16 underwriters and was used in 80%+ of their live submissions
- Processed nearly 4,000 pages of submission and web data
- Achieved an average of 60 minutes time savings per submission
Following this success, Narrative is now rolling out across Zurich’s U.S. offices.
"We launched with four Zurich Middle Market offices in January 2025 and are now expanding Sixfold to dozens more offices countrywide.”
- Amy Nelsen, Head of Underwriting Operations, U.S. Middle Market @Zurich North America
How Zurich gives underwriters time back with Sixfold — featured in The Insurer.
AI That Actually Gets Used
Narrative is a great starting point for insurers looking to bring AI into underwriting workflows today. It takes the repetitive parts of the job off underwriters’ hands without requiring them to change how they already work.
“Sixfold streamlines the way underwriters receive information on new submissions, offering a holistic and simplified overview of a business’s operations and exposures right from the point of entry into our workflow.”
- Madison Chapman Senior Middle Market Underwriter @Zurich North America
How Sixfold is transforming underwriting for Zurich’s U.S. Middle Market team.
When underwriters experience that impact immediately, with fewer hours spent writing up cases and fewer rounds of revisions, adoption happens easily. AI becomes part of the flow of work because it genuinely makes the day-to-day tasks so much easier.
Get in touch to see how Sixfold fits your underwriting workflow.
