The latest new thinking from Sixfold for you;
Sixfold, the underwriting AI used by leading insurers globally, has launched the AI Underwriter for Life & Health insurance, a governed AI agent built for complex Life & Health underwriting.
The AI Underwriter evaluates medical and financial evidence, applies carrier guidelines, and produces a recommendation, rationale, and next action for every case. The launch follows Sixfold’s AI Underwriter for Property & Casualty, introduced in June.
The AI Underwriter can be deployed across product lines, including life, disability, long-term care, and critical illness. Life & Health underwriting requires carriers to evaluate medical evidence, prescription history, lab results, driving records, financial information, and guidelines, and then turn those inputs into consistent case-level decisions. Sixfold’s AI Underwriter reads that material, applies underwriting logic, identifies what matters to the decision, and surfaces impairment-level findings with citations back to the source documents.
Built with Life & Health underwriting expertise from the start, the AI Underwriter draws on common impairments, evidence patterns, product considerations, and rating logic. A carrier’s own manual, or a reinsurer’s, can be incorporated so recommendations reflect that carrier’s guidelines, appetite, authority levels, and business judgment. Underwriters can ask questions, inspect rationale, and apply their own judgment before the AI Underwriter combines impairment-level ratings into the overall table rating and provides a case-level recommendation to rate, refer, decline, or postpone.
Sixfold has worked with Life & Health insurers for more than three years, and customers have seen results, including a 55% reduction in case evaluation time and 30% more premiums written per underwriter.
“Sixfold has helped our team save time by not having to manually chase down page references and missing details in medical reports. We’ve seen a 55% reduction in time to evaluate a case,” said Peter Tilocca, Head of Underwriting at ClearView.
Sixfold customers include ClearView Wealth, New York Life, Guardian, Zurich, Generali GC&C, Skyward Specialty, and AXIS. Sixfold has processed more than 1.5 million submissions across 50+ lines of business. Sixfold also partners with consulting groups specializing in L&H insurance transformation, including Alpha FMC, a specialist consulting group focused on complex change:
“Sixfold’s AI Underwriter does more than summarize Life & Health cases; it recommends the next action based on each carrier’s own manual and appetite. That’s a meaningful step forward for this industry, giving underwriters more confidence and more time for the expertise they bring to every case,” said Taylor Fay, Partner at Alpha FMC.
Responsible AI has been core to Sixfold since its founding in 2023. The company maintains an active AI Governance Program, engages with the NAIC and other regulators, and published its third annual Responsible AI Report this August. The report details how Sixfold builds safety, governance, and auditability into its products, including the AI Underwriter for Life & Health.
“Life & health underwriting is not a summarization problem. It is impairments, products, manuals, evidence, exceptions, and judgment,” said Alex Schmelkin, Founder and CEO of Sixfold. “Getting this right meant building an AI Underwriter that understands the work behind the decision, earns underwriters’ trust in the details, and meets the responsible AI bar this industry deserves. Life & Health has not had a real technology moment in a long time. We think this is it.”
The AI Underwriter for Life & Health is available now.
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