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Innovative Article | Computer Science and Information Technology | Volume 15 Issue 6, June 2026 | Pages: 1522 - 1524 | United States
Reimagining the Underwriting Journey: From Linear Handoffs to an Agent-Orchestrated, Decision-Led Digital Workflow
Abstract: The new business underwriting journey has traditionally been a chain of manual handoffs in which submissions spend more time waiting than being worked, and every handoff adds delay and the risk that good business waits while poor business consumes attention. This paper describes a digital future-state design for property and casualty underwriting that reimagines that journey as an agent-orchestrated, decision-led flow in which data and automation arrive together at the moment they are needed. At its center is an Underwriting Decision Agent that evaluates each submission against appetite and risk the instant it enters and sorts it into one of three paths: RED, YELLOW, or GREEN, so that clear-cut business flows straight through while human expertise concentrates on the genuine judgment calls.
Keywords: Underwriting, Decision Agent, Straight-Through Processing, Digital Transformation, Property and Casualty Insurance
How to Cite?: Toby Chembakassery Mathew, "Reimagining the Underwriting Journey: From Linear Handoffs to an Agent-Orchestrated, Decision-Led Digital Workflow", Volume 15 Issue 6, June 2026, International Journal of Science and Research (IJSR), Pages: 1522-1524, https://www.ijsr.net/getabstract.php?paperid=SR26628000841, DOI: https://dx.doi.org/10.21275/SR26628000841