Use Cases

Pricing models underwriters trust

Make faster, smarter risk and pricing decisions every day

Create and price a new policy option from this broker submission…

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Create and price a new policy option from this broker submission…

Gradient background transitioning from deep blue to light blue.
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  • Faster, smarter underwriting

    Cut submission-to-quote time with AI-assisted automation, real-time data enrichment, and far less manual handling.

  • Complex risk insight & rating

    Bring pricing models into underwriting for instant decisions, rapid feedback loops, and tighter pricing–UW alignment.

  • Governance by design

    Version control, compliance, and audit trails in every quote to reduce risk and standardize workflows.

Where actuarial precisionmeets commercial speed

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    AI-assisted ingestion

    Automate data capture from Excel, PDF, Word, email, and images to pre-populate pricing tools and remove manual rekeying from the workflow.

    Ensure submissions arrive structured and consistent so underwriters can move from intake to triage and pricing with materially less effort and delay.

    Soft gradient transitioning from blue to teal, suggesting a modern digital aesthetic.

    AI-assisted ingestion

    Automate data capture from Excel, PDF, Word, email, and images to pre-populate pricing tools and remove manual rekeying from the workflow.

    Ensure submissions arrive structured and consistent so underwriters can move from intake to triage and pricing with materially less effort and delay.

    Soft gradient transitioning from blue to teal, suggesting a modern digital aesthetic.

    AI-assisted ingestion

    Automate data capture from Excel, PDF, Word, email, and images to pre-populate pricing tools and remove manual rekeying from the workflow.

    Ensure submissions arrive structured and consistent so underwriters can move from intake to triage and pricing with materially less effort and delay.

  • Gradient background transitioning from deep blue to light blue.

    External data enrichment

    Enrich submissions at the point of pricing with third-party and internal data to strengthen insight on exposure, hazard, and historical performance.

    Improve risk selection and pricing accuracy by validating assumptions early and giving underwriters a fuller view of each risk before quoting.

    Gradient background transitioning from deep blue to light blue.

    External data enrichment

    Enrich submissions at the point of pricing with third-party and internal data to strengthen insight on exposure, hazard, and historical performance.

    Improve risk selection and pricing accuracy by validating assumptions early and giving underwriters a fuller view of each risk before quoting.

    Gradient background transitioning from deep blue to light blue.

    External data enrichment

    Enrich submissions at the point of pricing with third-party and internal data to strengthen insight on exposure, hazard, and historical performance.

    Improve risk selection and pricing accuracy by validating assumptions early and giving underwriters a fuller view of each risk before quoting.

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    Portfolio context

    Surface relevant portfolio insights while pricing individual risks so decisions are grounded in real portfolio performance and strategy.

    Help underwriters benchmark against existing business, spot accumulation or concentration, and understand how each quote will shape overall mix and profitability.

    Gradient background transitioning from soft blue to peach, creating a calming effect.

    Portfolio context

    Surface relevant portfolio insights while pricing individual risks so decisions are grounded in real portfolio performance and strategy.

    Help underwriters benchmark against existing business, spot accumulation or concentration, and understand how each quote will shape overall mix and profitability.

    Gradient background transitioning from soft blue to peach, creating a calming effect.

    Portfolio context

    Surface relevant portfolio insights while pricing individual risks so decisions are grounded in real portfolio performance and strategy.

    Help underwriters benchmark against existing business, spot accumulation or concentration, and understand how each quote will shape overall mix and profitability.

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    Underwriting Agent

    Leverage an AI assistant to stress-test rates, highlight key portfolio drivers, and answer common underwriting questions in context.

    Turn model outputs into clear broker-ready and audit-ready narratives, reducing the time needed to explain decisions and support approvals.

    Soft blue gradient background, creating a calm and professional atmosphere.

    Underwriting Agent

    Leverage an AI assistant to stress-test rates, highlight key portfolio drivers, and answer common underwriting questions in context.

    Turn model outputs into clear broker-ready and audit-ready narratives, reducing the time needed to explain decisions and support approvals.

    Soft blue gradient background, creating a calm and professional atmosphere.

    Underwriting Agent

    Leverage an AI assistant to stress-test rates, highlight key portfolio drivers, and answer common underwriting questions in context.

    Turn model outputs into clear broker-ready and audit-ready narratives, reducing the time needed to explain decisions and support approvals.

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    Quote versioning & governance

    Generate, revise, and track quotes with built-in version control to maintain a transparent record of every change.

    Support auditability and compliance by preserving assumptions, approvals, and rationale across iterations, while making collaboration smoother across underwriting and actuarial teams.

    Gradient background transitioning from blue to dark blue, conveying a modern feel.

    Quote versioning & governance

    Generate, revise, and track quotes with built-in version control to maintain a transparent record of every change.

    Support auditability and compliance by preserving assumptions, approvals, and rationale across iterations, while making collaboration smoother across underwriting and actuarial teams.

    Gradient background transitioning from blue to dark blue, conveying a modern feel.

    Quote versioning & governance

    Generate, revise, and track quotes with built-in version control to maintain a transparent record of every change.

    Support auditability and compliance by preserving assumptions, approvals, and rationale across iterations, while making collaboration smoother across underwriting and actuarial teams.

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    Rapid model feedback & update loop

    Flag market shifts, performance signals, and emerging trends in-platform to shorten the distance between insight and action.

    Enable actuaries to update models quickly and deploy changes with confidence, keeping pricing continuously aligned with live market conditions.

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    Rapid model feedback & update loop

    Flag market shifts, performance signals, and emerging trends in-platform to shorten the distance between insight and action.

    Enable actuaries to update models quickly and deploy changes with confidence, keeping pricing continuously aligned with live market conditions.

    Soft gradient background in light blue and green hues, conveying a modern feel.

    Rapid model feedback & update loop

    Flag market shifts, performance signals, and emerging trends in-platform to shorten the distance between insight and action.

    Enable actuaries to update models quickly and deploy changes with confidence, keeping pricing continuously aligned with live market conditions.

Enterprise grade security and compliance

Enterprise Security

SOC2 Type 2 and ISO 27001:2022 certified, with rigorous controls to protect sensitive underwriting data and help you meet enterprise compliance requirements.

Full audit trails & governance

Every decision, rule change, and model update is captured end-to-end - giving you transparency, accountability, and a clear path for regulatory review.

Open, portable, yours

Structured access to all data, configuration, and code, available anytime for full transparency, portability, and operational continuity.

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

A woman in a coral dress engages with a camera at a professional event.

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

A woman in a coral dress engages with a camera at a professional event.

FAQs

  • 01

    How quickly can pricing model updates reach underwriters?

  • 02

    Can the platform handle multiple lines of business for pricing?

  • 03

    Do underwriters see the reasoning behind a price, or just the output?

  • 04

    Does the platform support admitted markets with filed rates?

FAQs

  • 01

    How quickly can pricing model updates reach underwriters?

  • 02

    Can the platform handle multiple lines of business for pricing?

  • 03

    Do underwriters see the reasoning behind a price, or just the output?

  • 04

    Does the platform support admitted markets with filed rates?

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