Sixfold, an underwriting AI platform provider, has upgraded its AI Underwriting Brain with a new capability designed to capture and scale underwriting expertise across organisations.
The feature, known as Institutional Intelligence, aims to help insurers embed collective knowledge into underwriting workflows by linking decisions to real-world outcomes across the policy lifecycle.
Traditionally, underwriting expertise has been concentrated in individual professionals, with knowledge often scattered across systems, decisions and historical data.
Sixfold’s Institutional Intelligence capability seeks to address this by systematically capturing underwriting decisions and connecting them to outcomes such as quote, bind and loss performance.
This creates an evolving intelligence layer that reflects how insurers actually underwrite risk in practice and allows that knowledge to be applied consistently across new submissions.
Lana Jovanovic, Vice President of Product at Sixfold, said, “There’s more your organisation knows than any one underwriter can draw on — decisions, outcomes, portfolio patterns. Scattered context that until now simply couldn’t be connected and applied at scale with consistent outcomes.
“Sixfold has spent three years proving what AI can do for underwriting. Now we’re going further — capturing organisations’ collective knowledge, judgment and experience, and putting it into the hands of every underwriter, on every submission. That’s Institutional Intelligence.”
At the core of the capability is a continuous learning system that links each submission with downstream underwriting decisions and portfolio performance.
Every interaction feeds into a growing institutional knowledge base, enabling underwriters to access insights derived from previous decisions and outcomes.
Alex Schmelkin, Founder and CEO of Sixfold, said, “Insurers have spent decades building underwriting expertise — and losing it every time a senior underwriter moves on. We are building the infrastructure to change that, where every decision becomes part of a system that makes the next decision smarter. With Institutional Intelligence, underwriting judgment doesn’t walk out the door. It compounds.”
The capability is available immediately as part of Sixfold’s AI Underwriting Brain platform, allowing insurers to feed historical decision and outcome data into the system.
This enables continuous refinement of underwriting appetite, risk selection strategies and the drivers of profitable portfolio growth.
Sixfold works with major insurers including Zurich, Generali, AXIS, Skyward Specialty Insurance Group and Mosaic Insurance, and says its technology has processed more than one million underwriting submissions across over 40 lines of business.
The company says its platform helps underwriting teams operate up to 50% faster while increasing gross written premium per underwriter by up to 30%.
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