Harness all data sources with total control.

1

We extract data manually from a single document at a time

2

We extract from single documents automatically, but formats/fields vary and need manual correction

3

We extract and structure data across most document types, validated against internal standards

4

We extract and validate data from any format automatically; only edge cases need a manual look

5

Structured risk data flows in natively from broker systems, with little or no re-keying

1

Underwriters reassemble the story by hand from separate emails

2

Related items sit in a shared folder or thread, but reassembly still takes manual review

3

Follow-ups and revisions are consolidated once someone flags the connection to the original

4

The system matches most communications to the right submission; merging updates is still manual

5

The system links every communication into one evolving view of the risk automatically

1

A person performs every check by hand

2

Underwriters run each step manually, though a few checks are flagged automatically

3

Rules-based checks run automatically for common scenarios; underwriters still trigger most of them

4

The system runs completeness, appetite and compliance checks, escalating only exceptions

5

The system executes these steps and advances the case until a human is genuinely needed

1

By default, a person touches every case at every step

2

Every case needs a person, but simple ones move faster

3

Straightforward risks get lighter review; most others still get full manual attention

4

Underwriters are looped in mainly for complex or borderline risks, cases pre-assembled

5

By exception — only when judgement changes the outcome, with the case pre-assembled

1

Submissions arrive by email; each workflow stands alone

2

Mostly email, though we have standard templates or a portal for select brokers

3

Structured intake with several brokers or systems, but context resets between lifecycle stages

4

Data and context carry across most stages, with growing direct connectivity into broker systems

5

We connect into broker systems and context flows across the lifecycle

1

All collaboration with the broker happens over email or phone, outside any shared system

2

We can share a portal link for some brokers to view status, but not to act within it

3

Select brokers can submit or update data directly into our systems

4

We can quote or request information inside a broker's own portal or workflow for some segments

5

We're embedded in the broker's own workflow — sourcing risk, collaborating on submissions and quoting in-workflow