UnderwritingSpark Underwriting

Put context in front of underwriters, not paperwork.

Spark Underwriting turns submissions and supporting documents into an organized, underwriter-ready file. It prepares, enriches and routes each submission for review. The underwriter makes the decision.

See it in a demo

Spark Underwriting queue with rule checks and referral flags (demo data, details blurred)

Underwriters spend too much time assembling the file.

01Submissions arrive incompletePackages come in missing documents or key details. Before anyone can assess the risk, someone has to find out what's missing.

02Review is manualDocuments, forms and emails get read and checked by hand. Underwriting judgment goes into data entry.

03Chasing documents holds up the bindEvery follow-up for a missing document adds another round of back-and-forth before a submission is ready to quote and bind.

What Spark Underwriting does

An organized file, ready for the underwriter.

Submission intakeTake in submissions and supporting material from documents, forms and email in one place.

Classification and extractionClassify incoming documents and pull the details into structured data the underwriter can work with.

EnrichmentAdd internal and third-party data to the submission, so the file carries more than what the broker sent.

Gaps and inconsistencies flaggedFlag missing or inconsistent information early, so the follow-up happens once and at the right moment.

Risk-context summary and referral notesGive the underwriter a summary of the risk and notes for any referral, so the review starts from context.

Routing for review and approvalRoute each prepared submission to the right underwriter for review and approval.

Inside the product

An underwriter-ready workspace.

Submissions arrive organized, with rule checks and flags already in view.

Spark Underwriting queue with rule checks — Underwriting queue with rule checks and flags

Spark Underwriting sign-in screen — Spark Underwriting workspace sign-in

Screens from a Spark demo environment. Data is illustrative and details are blurred.

How it fits your stack.

Spark Underwriting prepares a focused decision package alongside your existing underwriting and policy systems. Submissions come in, Spark organizes and enriches them, and the prepared file goes to the underwriter and on to the systems you already run. Data sources and connections are set during scoping, based on your environment.

People and channels

Brokers, agents and submission inboxes

Spark Underwriting

Intake · extraction · enrichment · flags · summary · routing

Your core

Your underwriting and policy systems

Underwriters keep decision authority.

Spark Underwriting does the preparation. Underwriters do the underwriting. It doesn't accept, decline or price a risk.

The underwriter decidesEvery submission is routed for underwriter review and approval.

Flags, not verdictsMissing or inconsistent information is flagged for the underwriter to weigh.

Preparation, not judgmentThe risk-context summary and referral notes give the underwriter context. Assessing the risk is the underwriter's job.

Questions

Does Spark Underwriting make the underwriting decision?

No. It prepares, enriches and routes the submission. Your underwriters review the file and make every decision.

Which lines of business is it built for?

Spark Underwriting fits commercial and specialty lines best. The lines and programs for your rollout are confirmed during scoping.

Do we have to change our underwriting or policy system?

No. Spark Underwriting works alongside the systems you already use. It prepares the decision package, and your existing systems stay in place.

See a submission become an underwriter-ready file.

Book a 30-minute demo. Bring a typical submission, and we'll show you how Spark Underwriting organizes it for review.

See it in a demo

Prefer email? Write to solutions@advancio.com.