Perfect timing for BIBA, here’s the word;
Sixfold, the AI underwriting platform trusted by insurers including Zurich, Generali, Guardian, Skyward Specialty, and Mosaic, today announced Narrative, a new capability for Life & Health underwriting.
Despite advances in accelerated underwriting, up to 88% of Life & Health cases still require human review, according to Gen Re. The bottleneck is not the decision itself, it’s everything that comes before it. To find the handful of facts that actually matter, underwriters must gather all the documents, look for missing information, and read through hundreds of pages of medical records, EHRs, attending physician statements, MIB reports, and lab results.
Sixfold’s Narrative capability removes that step. When a case arrives, Sixfold’s AI agents ingest all the available information and generate a structured summary tailored to the specific workflow, surfacing key clinical facts, flagging gaps, and signalling what needs to happen next.
An example would be a case involving hypertension and elevated cholesterol. Here, an underwriter needs blood pressure readings, current medications, smoking status, and family history. Narrative surfaces this immediately, and what once took an hour of document review is done in minutes.
The result is faster turnaround, fewer follow-up requests to brokers and clients, and more consistent decisions across teams.
“Narrative isn’t a one-size-fits-all summary. It’s configurable to each team’s workflow, so what gets surfaced reflects what actually matters to their underwriters. Some customers are already using it for most of their cases, with deeper analysis reserved for the rare cases that need it,” said Noah Grosshandler, Product Manager at Sixfold.
For reinsurers, where submissions often arrive in inconsistent formats, Narrative provides the same structured starting point and helps cut unnecessary communication before the quoting process even begins.
For high-volume lines like structured settlements and annuities, one Sixfold customer processing over 10,000 cases annually reviews 70% of submissions with Narrative, turning to Sixfold’s in-depth Conditions Analysis only when a case needs it.
Narrative is available now for Sixfold customers.
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