Underwriting Workbench — Host-to-Host Integration

Purpose of Host-to-Host

Automate submission intake from channels (agency, bancassurance, broker, embedded) to the underwriting workbench.
Enrich risks with external data (credit/bureau, geospatial, catastrophe, vehicle/property registries) in real time.
Evaluate rules and ML models for eligibility, appetite, pricing factors, and referral triggers; publish decisions to PAS/CRM.

Core Data Objects

Submission: source, product, channel, producer, insured, effective dates, premium target
Risk Object: motor (vehicle, driver), property (address, construction), health (member), SME/corporate
Questionnaire: dynamic Q&A, attachments, declarations, signatures
Enrichment: bureau scores, hazard/zone, CAT perils, prior loss hits
Scoring: rules results, model scores, explanations, thresholds
Decision: ACCEPT / DECLINE / REFER; terms, conditions, exclusions
Pricing: rating inputs/outputs, surcharges/discounts, fees, taxes
Referral: assignee, SLA target, comments, attachments
Bind Order: selected terms, quote reference, bind documents
Events: submissionCreated, enriched, decisionReady, quoted, referred, bound

Example API Endpoints

POST /submissions
Create submission with risk, questionnaire, and attachments

POST /enrichment/run
Call external data providers and attach results

POST /rules/evaluate
Run eligibility/appetite rules; return reasons & flags

POST /rating/quote
Request quote (rate tables/engine + adjustments)

POST /decision
Return ACCEPT/DECLINE/REFER with terms & conditions

POST /referrals/assign
Open/assign referral to underwriter queue

POST /bind
Issue bind order; lock terms; generate quote/bind docs

POST /callbacks/status
Async updates to channel/PAS/CRM

Sample Quote Request

POST /rating/quote
{
  "submissionId":"SUB-2025-00917",
  "product":"MOTOR-COMPREHENSIVE",
  "risk":{
    "vehicle":{"make":"Toyota","model":"Raize","year":2023,"sumInsured":225000000},
    "driver":{"age":29,"city":"Jakarta","claimsLast3Y":0}
  },
  "channel":"BANC",
  "options":{"noClaimDiscount":true,"volDeductible":1000000}
}
-- RESPONSE (excerpt) --
{"basePremium": 3150000, "discounts":[{"type":"NCD","amount":-315000}], "fees":[{"type":"POLICY","amount":50000}], "tax": 35000, "total": 2935000}

Sample Decision & Bind

POST /decision
{
  "submissionId":"SUB-2025-00917",
  "eligibility":"ACCEPT",
  "terms":{"deductible":1000000,"exclusions":["flood"],"conditions":["garage at night"]},
  "referral": null
}
-- NEXT --
POST /bind
{"submissionId":"SUB-2025-00917","quoteRef":"Q-88321","docPack":["quote.pdf","schedule.pdf"]}

Reference Flows

New Business Intake

Channel posts /submissions → workbench runs /enrichment/run
Rules/ML evaluate → /decision with terms
Call /rating/quote → present quote → /bind

Renewal & Remarketing

Auto‑create submissions from expiring policies
Re‑enrich risk; update pricing & terms
Bind or refer for negotiation

Referral Management

Referral rules → /referrals/assign to UW
UW updates comments/attachments
Decision published back to channel/PAS

Pricing Handshake

Workbench composes inputs → Rating engine
Applies adjustments (discounts/surcharges)
Returns quote & pack for bind

Security & Controls

mTLS, OAuth2/JWT; IP allow‑list; JWS signatures; idempotency keys.
PII minimization & masking; encrypted storage for attachments.
Maker‑checker for manual overrides & referrals.
Versioned rules/models; explainability for ML‑based decisions.

Monitoring & Audit

Hit/bind rate; straight‑through processing (STP) %; referral rate & turnaround.
Price adequacy checks; loss‑ratio feedback loop to pricing.
Audit trail for submissions, enrichments, overrides, and binds.

What You Get

OpenAPI + Postman collection; sample submission payloads.
Enrichment connectors (bureau, geo/CAT, registries) & mapping sheets.
Rules/ML templates with feature lists & explainability examples.
Quote/bind document pack templates and callback examples.
Annual maintenance incl. change requests; on‑prem or cloud.