Sixfold, an underwriting AI company, specialising in property and casualty (P&C) insurance, risk assessment automation, and AI-driven underwriting solutions, has today announced a significant upgrade to its platform with the launch of Referral Agent.
The launch comes as a response to one of underwriting’s biggest slowdowns: referrals. When underwriters encounter cases needing a second opinion, they must pause their workflow, collate case details, and draft emails explaining why the case requires escalation—a process that can take nearly an hour.
With up to 40% of applications requiring referral, underwriters often spend half their day on administrative tasks instead of evaluating risk. Referral Agent aims to eliminate this bottleneck.
Sixfold develops AI-powered solutions that transform how insurers assess risk and manage underwriting workflows.
Its platform integrates advanced machine learning with insurer guidelines to automate analysis, flag critical cases, and provide actionable insights.
The company is known for improving speed, consistency, and efficiency in underwriting processes while reducing operational friction.
Referral Agent allows insurers to ingest their referral guidelines into Sixfold’s AI, which then automatically flags cases requiring escalation, explains the reasons, and drafts a ready-to-send referral email.
Underwriters only need to review, edit if necessary, and send. What previously took 60 minutes to complete manually now takes just one minute, significantly increasing underwriting efficiency.
Referral Agent requires no major IT integration. By sharing referral rules and historical decisions, insurers can have the system live within four weeks.
The platform works in three steps: inputting referral guidelines, analysing cases against these rules, and drafting actionable referral emails.
Additionally, the upgrade includes Email Integration, allowing underwriters to forward broker emails and attachments directly to Sixfold. The AI automatically assesses risk and pre-drafts referral emails in the underwriter’s inbox, ready to send.
Sixfold Founder and CEO Alex Schmelkin said, “After Sixfold completes the risk analysis, the next steps have traditionally been left to the underwriter to decide how to move the case forward. Referral Agent changes that. It takes one of the most time-consuming parts of underwriting and turns it into a guided, nearly instant process. Underwriters know exactly when a case needs referral, why, and get everything they need to act on that information right away.”
Alex continued, “Real-time, guided recommendations let underwriters move from risk analysis to action, immediately. This is a defining moment for Sixfold and a clear signal of where underwriting is headed. It will mean more speed, more consistency, and more growth for our customers – and Referral Agent is only the start.”
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