Rules + evidence + recommendations
Underwriting cases evaluate risk against product rules with explainable accept / refer / decline outcomes. Humans hold authority; the system holds the evidence.
Faster, consistent, explainable decisions — more quotes, less bad risk.
Measured against your baseline. You pay on the delta — not licenses, seats or hours.
Shadow-mode underwriting: score applications in parallel with your manual process and compare.
Every pilot ships with deterministic stub integrations — KRA, M-Pesa,
WhatsApp — so you can prove the outcome before a single real credential is issued. Swap
drivers in .env when you go live.
Inside CoverOS this capability shares one customer model, one event bus and one intelligence layer with everything else — quotes trigger communications, payments drive renewals, claims feed learning. One baseline, compounding deltas.
Outcome: Customers onboarded, served and paying — without a portal login or agent visit.
Outcome: Onboarding in seconds: verified KRA PIN and national ID at API speed.
Outcome: A book of business your team actually acts on — more renewals, fewer lost customers.