GIAEligibility & Pricing Intelligence
GIA takes a risk and resolves it against your own underwriting guidelines, returning a carrier-specific eligibility and pricing decision, coverage group by coverage group, with an auditable trail behind every call.
Underwriting guidelines live in PDFs, spreadsheets and the heads of senior underwriters. Applying them by hand means every submission gets a slightly different read, and no two desks agree on where eligibility ends. GIA turns those guidelines into one consistent, explainable decision.
Illustrative decision. One risk, resolved per coverage group, each with a reason, not just a flag.
GIA examines current and historical data, matches exposures to your underwriting guidelines with real-time adaptability, and returns an eligibility call with the reasoning attached.
Streamlines exposure eligibility based on insurer guidelines
Aligns current & historical data to appetite, rating and pricing
Adapts to unique and evolving risk factors with precision
Surfaces profitable opportunities and flags outliers
Integrates seamlessly with existing risk-assessment workflows
Eligible — bind-ready, with one referral. Full reasoning attached.
GIA is where classification, risk intelligence and occupancy come together into a decision. It reads a risk against your configured underwriting guidelines and returns a clear eligibility and pricing position — not a data dump, but an answer you can act on and explain. (Need only the fast in-or-out read? That’s GIA Lite.)
Carrier-specific eligibility rules, coverage groups and eligibility hierarchy: your underwriting guidelines expressed as configuration, not tribal knowledge.
Pulls classification, risk signals, ARKUS answers and LRO occupancy into a single eligibility call — no swivel-chair between systems.
Every outcome traces to the rule that fired and the evidence behind it: the documented trail your file, your regulator and your reinsurer expect.
Every carrier starts from a shared foundation of guidelines and then bends it to their own program. GIA merges the base ruleset and each carrier’s overrides into a single effective configuration — so what the engine evaluates is exactly the eligibility that carrier intends, with nothing left implicit.
Real guidelines aren’t a flat list — a class rule, a coverage-group rule and a named exception can all touch the same risk. GIA resolves them in a defined order, so the eligibility outcome is deterministic and the reason is always the same one.
The resolved classification sets the starting eligibility position for the business.
Each line (GL, property, WC and the rest) applies its own eligibility and pricing logic.
Carrier overrides and named exceptions take precedence and settle any conflict cleanly.
Send the business and its details. GIA classifies and enriches it automatically.
The risk is evaluated against your effective, configured guidelines, coverage group by coverage group.
A clear eligibility position per line, each with the rule and evidence that produced it.
Every GIA decision is the hub of a connected underwriting record. The lighter and deeper tools around it feed the same configuration and link back to the same call.
The instant appetite pre-check — the fast in / refer / out at the front door, running on the same effective config so intake and bind agree.
Shared-property occupancy that links straight back to its parent GIA submission as one connected view.
Real-time risk questions whose answers flow directly into the eligibility decision.
GIA doesn’t fire a single prompt at a model. It decomposes the underwriting question into a chain of sub-questions, retrieves the most relevant passages from your own guideline knowledge base at each step, then reassembles them into a decision. The whole chain is captured — streamed live as the AI reasons, and replayable later as a genuine audit trail.
Every page and row is parsed, embedded and indexed, scoped to one carrier and product, searchable by meaning, not keywords.
Underwriters add rule snippets as text, with a full activate / deactivate audit trail.
Each assistant carries one or more product lines, each with its own knowledge base, so appetite answers stay product-specific.
Each sub-answer is grounded in the guideline passage that supports it.
GIA is multi-tenant to its core, so a single platform serves many carriers without their data or configuration ever mixing.
Every assistant, product and decision is isolated by client, so one deployment safely serves many carriers.
Standard single-submission underwriting or batch LRO tenant-occupancy, evaluating an entire building in one pass and aggregating to one property-level decision.
Organic new business or a bulk book-roll migration, with a sensible default assistant so migrated business is never silently dropped.
Assistants scope to specific states or countries, so appetite reasoning reflects region-specific guidelines automatically.
Reasoning sub-questions are cached and reused instead of recomputed (and re-billed) on every request. Self-tuning, with manual override always available.
Define expected-input / expected-output cases per product and re-run them whenever guidelines change — automated pass/fail, so an update never silently shifts appetite.
On a timeout or an unusable model response, GIA retries once, then returns a conservative structured REFERRAL: the underwriter always gets a usable answer, not an error.
Uploads are verified by content — not extension — and scanned for embedded scripts, macros and formula-injection before the AI ever sees them. Storage filenames are app-generated to block path-traversal and overwrite attacks.
Every request is authenticated, RBAC governs who can configure assistants and view sensitive data, and provider API keys are stored server-side — never exposed in full via the admin UI.
Full token and cost accounting is captured per client, workflow and transaction, giving carriers auditable visibility into AI usage.
Faster triage of complex submissions that would otherwise mean reading guidelines and cross-referencing class codes by hand.
Explainable, defensible decisions: every verdict carries its reasoning trail, which matters for audit, E&O and regulatory review.
Guidelines stay in your own words — no translating the manual into a rigid rules engine; GIA reads the PDF/Excel you already have.
Confidence the AI won’t drift — regression testing means a guideline change produces the intended effect, and nothing else.
Higher submission volume handled with the same team.
Bring your underwriting guidelines. We’ll show them resolved into one effective configuration and applied as an eligibility decision, coverage group by coverage group.
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