Unlock faster, smarter, and safer underwriting
Unlock faster, smarter, and safer underwriting
Cogentiq transforms underwriting with faster decisions, reduced risk, and more time for underwriters to focus on what they do best.
Underwriting bottlenecks are blocking growth
Underwriting bottlenecks are blocking growth
As the industry shifts, underwriting teams are balancing increased expectations with complex realities. Operational models must evolve to remain competitive, compliant, and client-ready.
As the industry shifts, underwriting teams are balancing increased expectations with complex realities. Operational models must evolve to remain competitive, compliant, and client-ready.
1
Rising submission volumes
Digital distribution and broker automation drive higher intake, without matching capacity growth.
1
Rising submission volumes
Digital distribution and broker automation drive higher intake, without matching capacity growth.
1
Rising submission volumes
Digital distribution and broker automation drive higher intake, without matching capacity growth.
2
Fragmented data ecosystems
Data lives across systems, formats, and channels.
2
Fragmented data ecosystems
Data lives across systems, formats, and channels.
2
Fragmented data ecosystems
Data lives across systems, formats, and channels.
3
Workflow friction limits visibility and agility
Manual routing and disjointed systems hide quote status, delay decisions, and disrupt SLA consistency.
3
Workflow friction limits visibility and agility
Manual routing and disjointed systems hide quote status, delay decisions, and disrupt SLA consistency.
3
Workflow friction limits visibility and agility
Manual routing and disjointed systems hide quote status, delay decisions, and disrupt SLA consistency.
4
Submission challenges
Survey shows only 25% of submissions are written, up to 60% go untouched.
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Submission challenges
Survey shows only 25% of submissions are written, up to 60% go untouched.
4
Submission challenges
Survey shows only 25% of submissions are written, up to 60% go untouched.
5
Time lost to low-value work
Underwriters lose up to 40% of their time on low-value tasks, draining focus from high-impact decisions.
5
Time lost to low-value work
Underwriters lose up to 40% of their time on low-value tasks, draining focus from high-impact decisions.
5
Time lost to low-value work
Underwriters lose up to 40% of their time on low-value tasks, draining focus from high-impact decisions.
6
Regulatory demands and AI governance
AI adoption stalls without explainability, traceability, and confidence built.
6
Regulatory demands and AI governance
AI adoption stalls without explainability, traceability, and confidence built.
6
Regulatory demands and AI governance
AI adoption stalls without explainability, traceability, and confidence built.
7
Pressure on talent and continuity
With senior underwriters retiring, capturing expertise and scaling consistent decisions is more critical than ever.
7
Pressure on talent and continuity
With senior underwriters retiring, capturing expertise and scaling consistent decisions is more critical than ever.
7
Pressure on talent and continuity
With senior underwriters retiring, capturing expertise and scaling consistent decisions is more critical than ever.
8
AI misunderstood and undervalued
Without grounding and transparency, AI feels like a chatbot, not the decision engine underwriting needs.
8
AI misunderstood and undervalued
Without grounding and transparency, AI feels like a chatbot, not the decision engine underwriting needs.
8
AI misunderstood and undervalued
Without grounding and transparency, AI feels like a chatbot, not the decision engine underwriting needs.
Empowering Underwriters. With intelligence at every step
End-to-end orchestration from intake to decision, designed to handle complexity - faster, with greater precision, and built to scale.
1
Data-driven risk decisions
Break down silos and bring together fragmented data for faster, more informed decisions.
1
Data-driven risk decisions
Break down silos and bring together fragmented data for faster, more informed decisions.
1
Data-driven risk decisions
Break down silos and bring together fragmented data for faster, more informed decisions.
2
Orchestrates complexity
Streamline high-volume, repetitive tasks to boost underwriting speed and accuracy.
2
Orchestrates complexity
Streamline high-volume, repetitive tasks to boost underwriting speed and accuracy.
2
Orchestrates complexity
Streamline high-volume, repetitive tasks to boost underwriting speed and accuracy.
3
Strengthen risk assessment
Use comprehensive, data-driven insights to evaluate and price risk with greater precision.
3
Strengthen risk assessment
Use comprehensive, data-driven insights to evaluate and price risk with greater precision.
3
Strengthen risk assessment
Use comprehensive, data-driven insights to evaluate and price risk with greater precision.
4
Accelerate decisions
Reduce quote turnaround times while improving consistency and control.
4
Accelerate decisions
Reduce quote turnaround times while improving consistency and control.
4
Accelerate decisions
Reduce quote turnaround times while improving consistency and control.
5
Augment underwriters
Enhance decision quality and close skill gaps with AI-augmented expertise.
5
Augment underwriters
Enhance decision quality and close skill gaps with AI-augmented expertise.
5
Augment underwriters
Enhance decision quality and close skill gaps with AI-augmented expertise.
6
Improve decision confidence
Recommendations are traceable, explainable, and aligned with business rules and regulatory needs.
6
Improve decision confidence
Recommendations are traceable, explainable, and aligned with business rules and regulatory needs.
6
Improve decision confidence
Recommendations are traceable, explainable, and aligned with business rules and regulatory needs.
How it can help your business
Faster quotes. Better decisions. Scalable growth
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Accelerated quote-to-bind cycle
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Reduction in operational costs
3
Reduction in loss ratio
4
Increase in underwriter capacity
5
Increase in opportunities assessed
Drive underwriting excellence with Cogentiq
Where AI, data, domain expertise, and design come together to unlock smarter decisions, faster go-to-market, and scalable growth.
1
Data ingestion and enrichment
Turn fragmented submissions into structured and enriched underwriter-ready profiles automatically.
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Data ingestion and enrichment
Turn fragmented submissions into structured and enriched underwriter-ready profiles automatically.
1
Data ingestion and enrichment
Turn fragmented submissions into structured and enriched underwriter-ready profiles automatically.
2
Risk assessment engine
Scores risk, flags exceptions, and delivers clear, consistent decisions.
2
Risk assessment engine
Scores risk, flags exceptions, and delivers clear, consistent decisions.
2
Risk assessment engine
Scores risk, flags exceptions, and delivers clear, consistent decisions.
3
Pricing and quote management
Creates dynamic, data-driven quotes tailored to every client.
3
Pricing and quote management
Creates dynamic, data-driven quotes tailored to every client.
3
Pricing and quote management
Creates dynamic, data-driven quotes tailored to every client.
4
Underwriter assist and orchestration
Smart routing, SLA tracking, and AI support to keep work moving.
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Underwriter assist and orchestration
Smart routing, SLA tracking, and AI support to keep work moving.
4
Underwriter assist and orchestration
Smart routing, SLA tracking, and AI support to keep work moving.
5
Governance, performance, and insights
Ensures compliance, tracks impact, and drives smarter decisions over time.
5
Governance, performance, and insights
Ensures compliance, tracks impact, and drives smarter decisions over time.
5
Governance, performance, and insights
Ensures compliance, tracks impact, and drives smarter decisions over time.
Our experts
Onil Chavan
Client Partner, Insurance
Onil Chavan
Client Partner, Insurance
Onil Chavan
Client Partner, Insurance
Anushree Seth
Principal Consultant, Insurance
Anushree Seth
Principal Consultant, Insurance
Anushree Seth
Principal Consultant, Insurance
Faster decisions. Lower risk. Smarter underwriting.
Faster decisions. Lower risk. Smarter underwriting.
Recognition and achievements
Select Fractal accolades
Named leader
Customer analytics service provider Q2 2025
Representative vendor
Customer analytics service provider Q1 2021
Great Place to Work
8th year running. Certifications received for India, USA, Canada, Australia, and the UK.
Recognition and achievements
Select Fractal accolades
Named leader
Customer analytics service provider Q2 2025
Representative vendor
Customer analytics service provider Q1 2021
Great Place to Work
8th year running. Certifications received for India, USA, Canada, Australia, and the UK.
Recognition and achievements
Select Fractal accolades
Named leader
Customer analytics service provider Q2 2025
Representative vendor
Customer analytics service provider Q1 2021
Great Place to Work
8th year running. Certifications received for India, USA, Canada, Australia, and the UK.
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