Advisory for Insurance · AI for commercial underwriting: AI that does the reading, people who make the call, and a record that proves it
AI that does the reading. People who make the call. A record that proves it.
AFI prepares every commercial submission against your own guidelines. Every finding is cited. Every decision carries a human name.
- SOC 2 Type 2
- Works with your current PAS
- Your guidelines, not ours
- Prove the value before you pay
Demonstration data. Cobblefield Mutual and its submissions are fictional.
Built the way a carrier is run
Polyrific Advisory for Insurance (AFI) is an AI assistant for commercial P&C underwriting teams. It prepares every submission against the carrier's own guidelines, cites every finding, and leaves the decision to the underwriter.
Your rulebook
Your manual, class rules and application forms drive every recommendation. Not a generic model of underwriting.
Your underwriter decides
AFI recommends and records. Decline and Clear to quote are human acts with a name on them.
Your team's know-how
Underwriters propose practice notes, an admin approves, and AFI cites them by author from then on.
Your juniors learn faster
Every file shows the guidelines applied to a real risk, so senior judgment stays visible.
For the examiner
When a regulator asks how a decision was made, the file is already written.
The NAIC Model Bulletin and NY DFS Circular Letter 2024-7 expect carriers using AI to show how decisions were reached. AFI produces that record as the work happens.
Examination Record
Every recommendation, flag, human decision and sign-off on the submission.
Decision Trace
A shorter record shaped to attach to an adverse-action notice.
Findings labelled by what backs them
A guideline clause, a team practice note, or an observation AFI marks as not a basis for an adverse decision.
Demonstration data. Cobblefield Mutual and its submissions are fictional.
Submission review
Numbered reasons. Each one cited twice.
Every reason in a recommendation points to where it came from: the page in the file, and the clause in your guidelines.
- In the file · In your guidelines, side by side on every finding
- Decline, refer or approve, with the reasoning written down
- The same guidelines applied the same way on every file
3–4 hrs
back to each underwriter, every day.
Governance without the slowdown. The reading, checking, re-keying and research are done before the file is opened.
SOC 2 Type 2
Our security controls are independently audited over a period of time, not on a single day.
Works with your PAS
Alongside your current policy admin system, not in place of it.
Prove the value before you pay
Value proven on your own files first.
60 → 5 min per submission
A regional commercial P&C carrier's review time, before and after.
See the record AFI builds on your own submission.
Send a packet and your underwriting guide. Bring your compliance lead.