Multi-Agent Underwriting Workflow System

Core Logic

Central workflow coordinator managing 6-phase execution pipeline. Assigns tasks to agents, monitors progress against **30-second SLA**, triggers parallel execution where dependencies allow. Broadcasts status updates and handles error recovery. Implements **circuit breaker pattern** for fault tolerance.

Core Logic

Applies **OCR and NLP** to extract structured data from application documents. Validates document completeness and authenticity. Cross-references extracted data with application form entries. Flags discrepancies for review. Supports multi-format ingestion (PDF, images, scanned documents).

Core Logic

Performs comprehensive **KYC/AML verification** through identity database queries. Validates government ID documents. Runs sanctions list screening. Calculates identity confidence score. Flags high-risk applicants requiring enhanced due diligence. Integrates with third-party identity verification services.

Core Logic

Implements **rules engine** evaluating applicant eligibility against product-specific criteria. Checks age limits, residency requirements, occupation restrictions, and coverage limits. Validates against underwriting guidelines. Returns eligibility decision with detailed rule evaluation trace.

Core Logic

Executes **AML/CFT screening** against global watchlists and sanctions databases. Evaluates source of funds for high-value applications. Checks PEP (Politically Exposed Person) status. Validates regulatory compliance by jurisdiction. Generates compliance attestation for audit trail.

Core Logic

Analyzes medical questionnaire responses and records. Evaluates pre-existing conditions, family history, and lifestyle factors. Applies **actuarial mortality/morbidity tables**. Calculates medical risk loading factors. Identifies exclusion requirements. Collaborates with Claims History Analyzer for prior claim patterns.

Core Logic

Synthesizes findings from Medical, Compliance, and Eligibility agents. Applies **multi-factor risk model** with weighted inputs. Calculates overall risk score and classification (preferred, standard, substandard, decline). Generates risk factor breakdown with contribution weights for explainability.

Core Logic

Calculates base premium from **actuarial pricing tables**. Applies risk-based adjustments from Risk Assessment agent. Incorporates medical loadings, occupational ratings, and lifestyle factors. Optimizes for competitive positioning. Generates premium breakdown showing all adjustment factors.

Core Logic

Aggregates all agent outputs into final recommendation. Applies **underwriting authority matrix** for decision routing. Implements **autonomous decision-making** for clear-cut cases within authority limits. Features **self-correction mechanism** to validate decisions before finalization. Outputs: approve, decline, refer, require_info, add_condition.

Core Logic

Queries **claims databases** for applicant's prior claim history across insurers (where accessible). Analyzes claim frequency, severity patterns, and fraud indicators. Calculates claims experience rating. Shares findings with Medical Underwriting agent through **inter-agent collaboration protocol** for enriched risk assessment.

Core Logic

Integrates with **third-party data providers**: credit bureaus (credit score, payment history), employment verification services, motor vehicle records, prescription databases (where permitted). Enriches application data with external signals. Validates applicant-provided information against authoritative sources.

Core Logic

Analyzes **applicant behavioral signals** during application process: session duration, field correction patterns, device fingerprinting, geolocation consistency. Applies **behavioral scoring model** to identify anomalies. Flags high-risk behavioral patterns for enhanced review. Contributes to fraud prevention scoring.