In the high-stakes world of commercial underwriting, time is always working against you. Submissions pile up. Resources are stretched thin. And every minute spent sorting, escalating, or chasing missing information is a minute not spent quoting.
That’s why Indico Data built Next Best Action — a new intelligent routing feature designed to bring clarity and speed to submission decisioning. Integrated directly into the Indico Agentic Decisioning Platform, Next Best Action evaluates every incoming submission and instantly recommends the most appropriate next step: decline, send for pricing, or prioritize for clearance. No guesswork. No delays. Just immediate action — the moment a file hits the queue.
A solution for today’s underwriting bottlenecks
Across the carriers we work with, one trend is universal: underwriters are inundated with submission volume, and ops teams spend too much time just figuring out what to do next. Often, they’re forced to manually review unstructured documents, hunt for basic eligibility indicators, and make judgment calls without full context.
This problem is especially acute in today’s hard market, where capacity is tight and every decision must be deliberate and faster than ever. Carriers can’t afford to waste time on submissions that are appetite mismatches or miss high-value submissions. They need better visibility — and faster direction.
That’s what Next Best Action delivers.
How it works
Rather than simply extract data, Indico’s platform interprets the full context of a submission — including appetite alignment, submission history, and exception triggers. The result is a clear, auditable recommendation produced instantly by an AI agent including:
- Decline it: Not in appetite? Don’t waste another minute. Instantly flag for decline and notify the broker.
- Send for pricing: If a submission meets all baseline criteria, it’s automatically flagged as ready for pricing — no human review required.
- Prioritize for clearance: For high-priority submissions, Next Best Action flags the need for human judgment, with supporting context included.
These decisions are presented in real time and can be tailored to reflect your carrier-specific routing logic and appetite rules.
Real-world impact
For underwriting operations, Next Best Action is more than a triage tool — it’s a force multiplier.
- Increase quoting capacity without increasing headcount
- Reduce manual review by removing low-value work from the queue
- Improve submission response times — especially for broker-prioritized risks
And because every decision is tracked, attributed, and auditable, teams gain full transparency into every action taken by your team — a must-have in a compliance-driven industry.
Built for the decision era
The launch of Next Best Action is part of Indico’s broader mission: helping insurers move from data overload to confident decisioning. In an industry where growth depends on smart risk selection and faster throughput, Indico’s Agentic Decisioning Platform gives carriers a new advantage — intelligent action at scale.
Less sorting. More quoting. That’s how underwriting ops runs in the decision era.
