Optalitix Expands Agentic AI Capabilities for Insurance Underwriting

Agentic AI for Insurance Underwriting and Pricing

Optalitix unlocks AI-powered underwriting with natural-language access to pricing systems

Optalitix, a leading underwriting and pricing insurtech, has announced a major enhancement to its pricing and underwriting platform, Optalitix Quote, introducing Agentic AI capabilities that help insurers, reinsurers and MGAs interact with their underwriting systems more intuitively, improving efficiency and accelerating AI adoption. Everything on AI is fully governed and uses existing Quote controls to ensure only permitted users can access it.

What is Agentic AI in insurance?

Agentic AI in insurance uses AI systems that can interact with data, tools and workflows to help complete tasks and support decisions, rather than simply generating content.

In underwriting, this can include retrieving risk information, identifying cases requiring attention, summarising portfolios and supporting workflow actions within defined business rules and governance controls. This extends the role of the modern underwriting workbench by making it easier for underwriters to interact with the information and processes they already use.

Natural-language access to underwriting insights

The AI acts as an interface between users and the Optalitix platform, allowing people to access information and complete tasks using everyday language, for example: ‘How many new policies arrived this week?’, ‘Which applications require approval?’ or ‘Summarise the risks across this portfolio.’

This makes system interaction far simpler, reducing onboarding and training requirements, improving productivity and streamlining processes, such as reallocating cases from an underwriter on leave or managing workloads across teams.

“AI is a competitive necessity for insurers. In a softer market, organisations need to extract greater value from their underwriting data to improve profitability. The benefits of AI can now be fully realised when underpinned by a digitised pricing and underwriting system like Quote, while maintaining the security, governance and auditability that insurers require,” said Dani Katz, Founding Director of Optalitix.

“We're focused on helping insurers accelerate their digital transformation and unlock the full value of AI using their existing pricing tools and appropriate pricing guardrails. By integrating AI directly with underwriting workflows, operational data and business processes, underwriters can make better-informed decisions, improve productivity and address complex underwriting challenges more effectively within their existing structure.”

Governed AI built into Optalitix Quote

The AI functionality is disabled by default and can be activated by clients when they are ready to deploy these AI capabilities within their organisation.

The implementation has been designed in line with Optalitix's ISO 27001-certified information security management framework, enabling insurers to adopt AI while maintaining appropriate controls over security, access, governance and compliance.

Crucially, because the AI retrieves information directly from Optalitix using the same APIs, pricing logic and business rules that power the platform, Optalitix remains the source of truth. AI can therefore work with governed underwriting and pricing data rather than operating as a disconnected layer over existing systems.

This helps insurers maintain confidence in the accuracy, consistency and governance of AI-assisted decisions, with three key business benefits:

• Faster implementation through AI-assisted platform configuration
• More efficient underwriting processes through the automation of administrative tasks
• Improved profitability through enhanced risk insight, structured data and greater pricing consistency

“We’re removing the barrier between people and software,” said Katz. “This helps insurers make better, faster and more consistent decisions by bringing intelligence directly into the underwriting process. Today, many people still have to navigate multiple systems, apply filters, run reports and search for information just to answer simple business questions. We're removing those steps.”

Expanding AI-powered underwriting capabilities

The first phase of the rollout includes implementing AI connectivity enabling external client AI systems, followed by AI-generated quote summaries, intelligent workload management, broker communication assistance and client-side co-pilots to interact with the platform through standardised interfaces.

Looking ahead, Optalitix plans to extend its AI capabilities beyond workflow automation into portfolio-level decision intelligence. This includes portfolio scoring and guidance, pricing benchmarking, underwriter co-pilots, automated management reporting, portfolio monitoring, risk recommendations, AI-powered dashboards and enhanced explainability and governance tools.

Frequently asked questions

What is Agentic AI in insurance underwriting?

Agentic AI can interact with underwriting data, systems and workflows to retrieve information, support tasks and help underwriters make decisions. Unlike conventional generative AI, which primarily produces content in response to prompts, agentic systems can interact with tools and processes within defined controls.

Does Agentic AI replace insurance underwriters?

Agentic AI is designed to support rather than replace underwriting expertise. It can reduce administrative work, surface relevant information and help manage workflows, while underwriting authority, pricing rules and governance remain controlled by the insurer.

Explore AI-powered underwriting with Optalitix

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