P&C & Speciality solution

Next-level P&C Insurance Underwriting

Purpose-built AI to enhance capacity, accuracy, and transparency.

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P&C benefits

Why MGAs & carriers around the globe choose Sixfold


Infinite capacity

Sixfold’s purpose-built AI accelerates front door processes to eliminate chokepoints.


In-depth analysis at scale

Apply a thoroughly objective data-based approach at enterprise scale with full traceability and transparency.


Streamlined triage 

Prioritize underwriting resources by auto-surfacing applicants most aligned to your risk appetite.

Risk Appetite Match

Rapidly transpose UW guidelines into AI models

Model your unique underwriting appetite

Apply your underwriting rules at scale with full traceability

Easily iterate as business needs change

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Increase capacity via augmented underwriting

Increase capacity through intelligent submission routing & triaging

Generate risk scores based on your unique appetite

Assign SIC and NAICS codes automatically with full sourcing

AI Summarization

Automatically surface what matters most

Automatically surface positive & negative risk signals

Generate clear plain-language summaries

Ingest data from disparate sources (applicant data, third-party, and proprietary)

Transparency and compliance

Your compliance
team ❤️ Sixfold

Hallucination controls: Real data, trusted results.

Data privacy: Your data is your data, we help you keep it that way.

Full traceability: Our AI models fully source findings and conclusions.

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Curious to explore some more?

It’s impossible in 2024 to be an insurance carrier and not also be an AI company. In this most data-focused of sectors, the winners will be the organizations making the best use of emerging AI tech to amplify capacity and improve accuracy.

This is a challenge and opportunity that Sixfold is uniquely suited to address thanks to our decades of collective industry and technological experience. We know insurers’ needs—intimately—and understand precisely how AI can overcome them. 

In previous posts, I’ve described how Sixfold uses state-of-the-art AI to ingest data from disparate sources, surface relevant information, and generate plain-language summarizations. Our platform, in effect, provides every underwriter with a virtual team of researchers and analysts who know exactly what’s needed to render a decision. But getting there is the rub. Training AI models (these “virtual teams”) to understand what information is relevant for specific product lines is no small task, but it’s where Sixfold excels.

To use AI is human, to create your own unique AI model is divine

Underwriting guidelines aren’t typically encapsulated in a single machine-readable document. They’re more likely to exist in an unordered web of internal documents and reflected in historic underwriting decisions. Distilling a diffuse cultural understanding into an AI model can take months using a traditional approach, but with Sixfold, it can be accomplished—and accomplished well—in as little as a few days.

Sixfold’s proprietary AI captures carriers’ unique risk appetite by ingesting a wide variety of inputs (be it a multi-hundred-page PDF of guidelines, a loose assortment of spreadsheets, or even past underwriting decisions) and translating it into an AI model that knows what information aligns with a positive risk signal, a negative one, or a disqualifying factor. 

With this virtual wisdom model in place, the platform can identify and ingest relevant data from submitted documents, supplement with information from public and third-party data sources, and generate semantic summaries of factors supporting its conclusions—all adhering to the carriers’ unique underwriting approach.

Frees human underwriters to do uniquely human tasks

It can take years for a human underwriter to master underwriting guidelines and rules, but that doesn’t mean human underwriters are no longer needed–quite the opposite. By offloading the administrative bulk to AI, underwriters can use their increased capacity to prioritize cases that align with their unique risk appetite. 

It can take years for a human underwriter to master underwriting guidelines and rules.

Consider a P&C carrier that prefers not to underwrite businesses that work with asbestos. When an application comes in, Sixfold’s platform processes all broker-submitted documents and supplements it with relevant data ingested from public and third-party data sources. If Sixfold were to then surface information about “assistance with obtaining asbestos abatement permits” from the applicant’s company website, it would automatically mark the finding as a negative risk signal (with clear sourcing and semantic explanation) in the underwriter-facing case dashboard. With Sixfold, underwriters can rapidly discern the applications that are incompatible with their underwriting criteria and quickly focus on cases aligned with their risk appetite.

Sixfold rapidly identifies disqualifying factors and frees underwriters to focus on applications aligned with their criteria.

Automating these previously resource-intensive data processing workflows allows carriers to obliterate traditional limits on underwriting capacity. The question for the industry has rapidly moved from “is automation possible?” to “how quickly can we get it implemented?” Sixfold’s purpose-built platform empowers customers to leapfrog competitors relying on traditional approaches to training AI underwriting models. We get you there faster–this is our superpower.

Users can peek behind the AI and review the positive and negative risk signals the system has been trained to look for.

New York City, January 9, 2024

Sixfold, the Generative AI exclusively built for insurance underwriters, today announced that the company has joined Guidewire’s Insurtech Vanguards program, an initiative led by property and casualty (P&C) cloud platform provider, Guidewire (NYSE: GWRE), to help insurers learn about the newest insurtechs and how to best leverage them.

Jane Tran, Co-founder & COO at Sixfold, expressed, “Guidewire stands as the industry's foremost policy vault, embodying the definitive source of truth. Collaborating with Guidewire empowers us to advance our enterprise-grade generative AI solutions tailored specifically for underwriters.”

Insurtech Vanguards is a community of select startups and technology providers that are bringing novel solutions to the P&C industry. As part of the program, Guidewire provides strategic guidance to and advocates for the participating insurtechs, while connecting them with Guidewire’s P&C customers. 

Sixfold seamlessly handles the ingestion, routing, classification, and summarization of submissions, and provides trustworthy, data-driven policy recommendations to underwriters in a user-friendly format.

About Sixfold

Sixfold brings the power of generative AI to the underwriting process. The platform significantly reduces manual workload for underwriters and amplifies confidence in every underwriting decision with improved accuracy, transparency, and capacity.

This time last year, Sixfold was little more than a name and a vague concept. But since officially launching in May, this remarkable team (now 17-strong and growing!) has revolutionized insurance underwriting. That’s a bold statement from a biased observer, but I think I can back it up. 

First, let’s briefly explore the state of affairs coming into 2023.

Modern carriers process vast amounts of data from a wide array of sources to inform underwriting decisions. Today’s competitive advantages are secured—or lost—based on the efficiency and accuracy with which one handles this data. 

Over the years, multiple data-tech vendors have promised to help carriers keep pace, but they haven’t been even close to sufficient. Meanwhile, data ecosystems have grown more expansive and the tools gap, more glaring.

Like numbers? Explore Sixfold's 2023 By the Numbers

At Sixfold, we saw this challenge compounding by the day—not for lack of trying, but for lack of imagination. It’s what inspired us to develop a new approach that prioritizes transformation over iteration.

Our platform was uniquely built to accelerate the bewilderingly complex process of modeling risk appetite, no matter the starting point. Is your risk tolerance detailed in a loose assortment of PDFs? An Excel document? Or just a bundle of past submissions? We can make sense of it all. And that’s just the start. Our proprietary generative AI engine ingests applicant data from disparate sources at scale and—unlike traditional “intelligent” data processing tools, which merely extract data—generates clear summaries, fully aligned with carriers’ appetites, empowering underwriters to move with unprecedented accuracy and speed.

And it’s been effective. Ridiculously effective. Let’s run through a few quick examples:

✅ A leading general liability carrier was averaging 4 hours for its submission-to-quote cycles, but once they implemented Sixfold, that time was slashed to just 4 minutes.

✅ Last year, a large global cyber carrier measured its submission-to-quote cycles in weeks; now they do it in 3 minutes and 24 seconds.

✅ Before adding Sixfold to its tech stack, a major life & health carrier needed days to extract, surface, and package relevant data from multiple sources for a single life insurance application. Now the entire process is handled automatically in a fraction of the time.

Perhaps you can see where the industry is headed and why this is the area where Sixfold is focusing.

The journey from there to here

The progress our engineering team has made over this not-even-a-full year has been nothing short of astonishing. Gen AI is moving forward at warp speed–and Sixfold is moving even faster

In just the past few months we’ve transitioned from relying on a single LLM vendor to tapping and training a plethora of platforms based on their unique abilities. Additionally, we’ve tailor-built our own proprietary AI models to increase speed, accuracy, and privacy—we’ll be tripling down on our internal R&D efforts in the years ahead. (As a side note: I can’t wait to show you what our engineers have been working on…more on that during our January webinar.)

The only thing evolving faster than AI technology is society’s views of it. More people are voicing concerns about the potential negative impact of AI, particularly around issues of scaled bias. We get it. We have a shared interest in ensuring that AI is deployed with a human-first approach. 

Sixfold has been proactively and uniquely engaged in the conversation. I, and other Sixfold leaders, have repeatedly met with the state regulators and commissioners throughout the year to better understand their concerns and thinking. These meetings have helped us design our platform in anticipation of new regulations and, conversely, offer our unique insights to influence the formation of emerging rules that will allow AI to work better for everyone.

Hello, 2024

We’re exclusively obsessed with insurance underwriting. We have been from the beginning and we will continue to be in the future.

I’m beyond proud of what this team has accomplished over the past 7 months, and I can’t wait to share with you what’s in store in 2024. Join us this coming January for our first-ever virtual session, Boost Underwriting Capacity in 2024: Discover the Sixfold Impact, for a demo of how our platform enhances underwriting capacity in P&C, Life, and Specialty insurance sectors.

None of this would have been possible without the support and backing of Charles Birnbaum and Jeremy Levine at Bessemer Venture Partners, and Jonathan Crystal and Stephen McGovern at Crystal Venture Partners. We’re grateful for our bold customers and partners who understood our vision and joined us on the first leg of our journey. And of course, I can’t say enough about the Sixfold team including my co-founders Jane and Brian as well as our growing lineup of researchers, innovators, and visionaries: Brooke, Drew, Emil, Gregg, Ian, Lana, Laurence, Leonardo, Lucas, Maja, Marie, Omeed, Stewart, and Ryan.

Don’t miss our 2023 recap. See you all next year!

This post was originally published on LinkedIn.

Sixfold plays nicely with your existing underwriting tools.

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