Underwriting
Grow the book, not the desk.
Friendly reads every page of every submission (APS, labs, financials, handwriting) and hands your underwriters a triaged case with each value sourced to its page. Hours move from finding facts to making decisions, so capacity, turnaround and risk selection improve together.
SOC 2 Type II
HIPAA
GDPR
ISO 27001
Life · Disability · Health · Reinsurance
Handle more cases, quote faster and select risk better, with a file that holds up to review.
Measured in live carrier deployments against the manual process each team ran before, which is the only comparison a steering committee accepts.
Capacity
85%
Less handling time per case
The same team clears materially more volume without a hiring plan. With 400,000 insurance professionals retiring, capacity you do not have to recruit is the plan that survives budget season.
Turnaround
7,000
Pages read per hour
A thousand-page medical file stops setting your service level. Quote while the broker still has the client's attention, not after the file has made its way down the queue.
Risk selection
Your manual
Applied to every page of every case
Impairments are classified against the underwriting manual you already publish, each flag citing the clause behind it. Decisions stay consistent across the desk, and no history is left unread at page 340.
Defensibility
95%
Field-level accuracy, every value sourced
Measured per field against carrier ground truth. Each value links to the page it came from, so a reinsurer, an auditor or a regulator can retrace the decision years after it was made.
Full and accelerated underwriting run on the same evidence.
Run full underwriting and accelerated issue on one platform. You decide how much clears without a human, and the platform reports on exactly what crossed the line.
Traditional
Full underwriting without reading every page
APS · DR. WHITFIELD
412 PP
FINANCIALS · 3 YEARS
204 PP
LAB PANEL · QUEST
38 PP
HANDWRITTEN NOTES, 1994
6 PP
ONE CHRONOLOGICAL CASE
660 PP READ, EVERY VALUE SOURCED
Attending physician statements, lab panels, financials and prior applications are read, organised and sourced into one chronological case. Your underwriter still owns the decision. They just stop spending the morning finding the facts.
Accelerated
Straight-through processing when the evidence allows it
TO AN UNDERWRITER · 22%
STRAIGHT THROUGH · 78%
THRESHOLD 0.92 · YOURS TO SET
ILLUSTRATIVE BOOK · MOVE THE LINE AND THE REFERRAL RATE MOVES WITH IT
Clean cases above your confidence threshold clear without a queue. Everything else routes to an underwriter with the reason attached, so the referral rate is a dial you set rather than a surprise you audit.
It fits into the way your team already works.
No rip-and-replace and no new system of record. Friendly sits between documents arriving and the systems your team already works in, so the change is to the working day, not to the architecture.
01
Intake
Submissions arrive from your portal, mailbox, fax or carrier feed. Scans and handwriting included.
02
Read
Seven thousand pages an hour, so the length of a file stops setting the turnaround.
03
Extract
Values pulled with page-level citations, deduplicated across documents that repeat the same history.
04
Triage
Impairments classified against your manual and the case routed standard, substandard or referral.
05
Decide
Your underwriter reviews evidence instead of assembling it, and the audit trail writes itself.
Portal · mailbox and fax · carrier and lab feeds
→
Friendly · read, extract, score, triage
→
Policy admin · workbench · data warehouse
The tools your underwriters use every day.
The same platform as the rest of the site, seen from the underwriting desk: the risk, the disclosures, the queue and the next step, each sourced to its page.
HealthGrid
See the key risks, each linked to its source
Impairments from the APS, labs and application grouped by body system, each one linked to the page it came from.
Non-disclosures
Catch misrepresentation on every case
Application answers checked against the medical evidence, so a "no" to nicotine meets its cotinine result.
Triage
Work the queue in order of risk
Medical and financial flags in the queue itself, before anyone opens the file.
FocusGrid
Know the next best action
The issues to resolve before a decision, each with a recommended step: order the records, ask the applicant, or clear it.
Handwriting recognition
Read handwriting, with a confidence score
Handwritten forms and notes read into fields, each with a confidence score beside its source page.
Narrative & chat
Ask questions across the whole file
Questions answered across every document at once, with the source attached to the answer.
What 85% is worth on your book
Enter two numbers to see what you would save.
Cases per year
Avg pages per case
Annual labour recovered
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Cost per case
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Experts redeployed
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85% efficiency improvement, 7,000 pages/hour, $75/hour loaded labour rate.
“Friendly's platform delivered 85% efficiency gains in our underwriting operations while maintaining the accuracy our actuaries require.”
Insurance executive, MunichRE
Put your hardest file through it. We'll score it against your own underwriters in week one.
Your documents, your manual and your ground truth, before procurement rather than after it.
The intelligence layer for decisions you can defend. Underwriting and claims, on evidence your auditors can follow.
Solutions
Resources
Company
SOC 2 Type II
HIPAA
GDPR
ISO 27001
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