Underwriting document extraction
Medical reports and labs read and assessed against the manual; underwriters only see files above threshold.
Underwriting document extraction is an agent scenario in the Insurance sector running on the email, web, batch channels. Trigger: Life insurance application with attachments emailed by an agent. The Underwriting Supervisor coordinates 3 specialist agents (Document Agent, Medical Assessment Agent, Underwriting Agent) across 4 systems (Underwriting Workbench, Document Store (S3), Vector Store, Email (Exchange)); of 9 steps, 1 write to systems and 2 are checks or approvals. Outcome: Decision and loading draft on the workbench, rationale and extracted fields on file. Approval rule: Loading ≥ 50% or sum assured > 5,000,000 → senior underwriter approval.
Underwriting document extraction
- Email: life application #UW-55120 with 6 attachments (medical report, labs, declaration)
- Attachments stored in S3; 14 pages classified, 32-row lab table extracted (98.4%)
- Plan: medical summary → underwriting manual → rule set → approval → decision
- Findings: HbA1c 6.9 · BMI 31 · on blood-pressure medication → ICD E11, I10
- Underwriting manual v7.2: type 2 diabetes and hypertension sections retrieved
- Rule: HbA1c 6.5–7.5 + controlled BP → +75% loading, no decline
- Loading ≥ 50% → senior underwriter approved the decision
- Application set to "accepted with loading", extracted fields and rationale attached
- Decision summary and loaded-premium offer emailed to the agent
- ■completed
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
Life insurance application with attachments emailed by an agent
Decision and loading draft on the workbench, rationale and extracted fields on file
Agents
Underwriting Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Document Agent
Classifies pages, extracts fields and lab tables
classify_documentextract_fieldsextract_tablesMedical Assessment Agent
Maps findings to ICD codes and summarises medical history
map_icd_codessummarise_historyscore_medical_riskUnderwriting Agent
Retrieves the manual, applies rules, updates the application
get_uw_manualapply_uw_rulesupdate_applicationsend_emailSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Underwriting Supervisor | Email: life application #UW-55120 with 6 attachments (medical report, labs, declaration) | — | 220 | — |
| 02 | retrieve | Document Agent | Attachments stored in S3; 14 pages classified, 32-row lab table extracted (98.4%) | Document Store (S3) | 1,600 | 3,100 |
| 03 | plan | Underwriting Supervisor | Plan: medical summary → underwriting manual → rule set → approval → decision | — | 280 | 200 |
| 04 | reason | Medical Assessment Agent | Findings: HbA1c 6.9 · BMI 31 · on blood-pressure medication → ICD E11, I10 | — | 940 | 1,120 |
| 05 | retrieve | Underwriting Agent | Underwriting manual v7.2: type 2 diabetes and hypertension sections retrieved | Vector Store | 360 | — |
| 06 | verify | Underwriting Agent | Rule: HbA1c 6.5–7.5 + controlled BP → +75% loading, no decline | — | 720 | 860 |
| 07 | approval | Underwriting Supervisor | Loading ≥ 50% → senior underwriter approved the decision | — | 3,000 | — |
| 08 | write | Underwriting Agent | Application set to "accepted with loading", extracted fields and rationale attached | Underwriting Workbench | 480 | — |
| 09 | notify | Underwriting Agent | Decision summary and loaded-premium offer emailed to the agent | Email (Exchange) | 240 | — |
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