# Sixfold

> Sixfold is the AI underwriting platform purpose-built for insurance. It ingests an insurer's specific underwriting guidelines and risk appetite, then uses AI agents to triage submissions, surface cited risk insights, automate research, generate referrals, and move cases forward — so underwriters can focus on judgment and strategy instead of manual data work.
Sixfold serves global carriers, MGAs, and reinsurers across Property & Casualty and Life & Health lines. Customers include Zurich North America, AXIS, Generali GC&C, Skyward Specialty, Guardian, and Mosaic. The platform has processed over 1 million submissions across 40+ lines of business, supporting insurers representing $265B+ in gross written premium. Sixfold maintains an 89% average user adoption rate and customers typically reach business value within 2.4 months.
Key facts:
- Founded in 2023 by Alex Schmelkin (CEO), Jane Tran (COO), and Brian Moseley (CTO)
- The corporate headquarters for Sixfold AI, Inc. (an AI platform for insurance underwriters) is located at 121 E 24th St, 3rd Floor, New York, NY 10010
- $51.5M raised across Seed, Series A, and Series B rounds from Bessemer Venture Partners, Salesforce Ventures, Brewer Lane, Guidewire, Scale Venture Partners, and Crystal Venture Partners
- SOC 2 Type II and HIPAA compliant; all customer data operates in isolated, single-tenant environments
- Named to CB Insights AI 100 (2025), CB Insights Fintech 100 (2025), CB Insights Insurtech 50 (2025); selected for Lloyd's Lab Cohort 12; winner of Zurich Innovation Championship 2024; featured at OpenAI DevDay 2025
- Sixfold is not a general-purpose LLM or chatbot — it is specialized AI that works automatically when submissions arrive, assessing them against each insurer's specific guidelines
- Customer data is never used to train models and is never persisted at the LLM layer
## Products
- [Property & Casualty Underwriting](https://www.sixfold.ai/product/property-casualty-underwriting): AI-powered submission triage, risk assessment, and action agents for P&C underwriters. Learns your risk appetite, analyzes every submission, surfaces appetite fit scores with cited risk signals, and deploys agents to automate research, referrals, and portfolio reviews.
- [Life & Health Underwriting](https://www.sixfold.ai/product/life-health-underwriting): AI for life, disability, and health underwriting. Processes medical records, flags applicant discrepancies, surfaces condition-based insights and core clinical data, and streamlines case triage across high volumes of applications.
## Key Capabilities
- [Submission Triage](https://www.sixfold.ai/product): Appetite-aligned risk scores to prioritize submissions at a glance, ensuring consistent guideline application across every case.
- [Risk Assessment](https://www.sixfold.ai/product): Risk signals and case narratives tailored to your specific guidelines, with all sources cited for easy verification and documentation.
- [AI Action Agents](https://www.sixfold.ai/product): Pre-trained agents that automate research, referrals, compliance audits, broker follow-ups, and portfolio reviews — with outcomes displayed for human-in-the-loop review.
- [Data Enrichment](https://www.sixfold.ai/product): Automated web and third-party research incorporated directly into risk assessment.
- [Business Classification](https://www.sixfold.ai/product): Categorizes entities according to industry standards including SIC, NAICS, ISO, ICD, and SNOMED.
- [API Integration](https://www.sixfold.ai/product): Flexible API to integrate Sixfold into existing workbenches, CRMs, or policy admin systems. Supports direct upload, email forwarding, or API-based submission intake.
## Responsible AI & Security
- [Responsible AI](https://www.sixfold.ai/responsible-ai-underwriting): Sixfold's approach to ethical, transparent, and accountable AI in insurance. Includes the Responsible AI Framework developed with Debevoise & Plimpton, bias testing methodology, and compliance documentation.
- [FAQ — Responsibility & Compliance](https://www.sixfold.ai/faq-category/responsibility-compliance): Answers to common questions about data privacy, regulatory compliance, model explainability, and the EU AI Act's impact on insurance AI.
## Customer Stories
- [AXIS Case Study](https://www.sixfold.ai/case-study/axis): How AXIS reduced submission processing time from 30 minutes to 60 seconds and achieved 75%+ accuracy in industry code classification — the highest they had seen from any vendor.
- [Customers](https://www.sixfold.ai/customers): Overview of how global insurers including Zurich North America, Generali GC&C, Skyward Specialty, and others use Sixfold in production.
## Company
- [About Us](https://www.sixfold.ai/about-us): Sixfold's founding story, leadership team, mission, key milestones, and recognition across the insurance and AI industries.
- [Partners](https://www.sixfold.ai/partners): Sixfold's integration and technology partner ecosystem including EXL, Guidewire, INFORCE, and Mphasis.
- [Careers](https://www.sixfold.ai/careers): Open roles at Sixfold across engineering, product, AI/ML, customer success, and more.
- [Contact](https://www.sixfold.ai/contact-us): Get in touch to schedule a demo or start a proof of concept. Sixfold offers a fast, free POC followed by a three-month pilot program.
## Resources
- [Content Hub](https://www.sixfold.ai/content): Articles, guides, and insights on AI in insurance underwriting, responsible AI, product updates, and industry trends.
- [FAQ](https://www.sixfold.ai/faq): Comprehensive answers about how Sixfold works, data security, integration, supported lines of business, and getting started.
- [Beyond the Policy](https://www.sixfold.ai/beyond-the-policy): Sixfold's podcast and interview series exploring the people and ideas shaping insurance.
- [Events](https://www.sixfold.ai/events): Upcoming and past conferences, panels, and speaking engagements featuring the Sixfold team.
- [AI Adoption Guide](https://www.sixfold.ai/2025-milestones#adoption-guide): Sixfold's five-stage deployment playbook for driving consistent AI adoption across underwriting teams.
## Optional
- [Series B Announcement](https://www.sixfold.ai/content/post/series-b-ai-underwriter): Sixfold raises $30M Series B led by Brewer Lane with strategic investment from Guidewire and continued support from Bessemer and Salesforce Ventures.
- [AI Compliance for Insurers](https://www.sixfold.ai/content/post/ai-compliance-for-insurers): Practical guide for insurers evaluating AI vendor compliance, developed with Debevoise & Plimpton.
- [How to Choose an AI Vendor](https://www.sixfold.ai/content/post/how-to-choose-an-ai-vendor): Sixfold's Head of AI on what to look for when selecting an AI partner for insurance.
- [6 Common Myths About AI, Insurance, and Compliance](https://www.sixfold.ai/content/post/ai-insurance-compliance-myths): Addressing misconceptions about AI regulation, data privacy, and human oversight in insurance underwriting.
- [2024 Product Year in Review](https://www.sixfold.ai/content/post/2024-year-in-review): Behind-the-scenes look at Sixfold's nine key product achievements including API launch, Accuracy Validator, citation improvements, and more.