Modern underwriting journeys, AI-native

A digital underwriting journey is an interface that takes a user from quote request to issued policy, covering data capture, rating, contract document generation, validation, electronic signature and issuance. In Korint Reach, the journey is built on dynamic forms, guided steps, pre-filled data and embedded business rules, so it can be configured product by product rather than developed from scratch.

Not for the journey itself. Forms, steps, fields, business rules and permissions are configured in the interface without writing code, so a product team can evolve a journey without going through a development cycle. Korint or in-house developers are still needed to connect the journey to an existing system and for bespoke integrations. Korint provides native integrations and a public API covering most payment, signature, KYC and data enrichment needs.

Yes. An underwriting journey can be deployed on top of an existing policy administration system, connecting through APIs to the rating, document generation and portfolio management components already in place. This incremental approach modernises the customer-facing and broker-facing interfaces first, where the commercial impact is immediate, then evolves the underlying core. Korint Reach works either with the Korint Core back office or with a third-party system.

Yes. The journey calls the rating engine at quoting stage, wherever that rating logic is hosted. Korint Reach can call Korint Engine, the platform’s own rating tool, or a third-party rating engine already used by the insurer or wholesale broker, through APIs. Rate tables, acceptance rules and referral thresholds stay where they are maintained today.

Embedded insurance means offering cover inside the purchase journey of a service that is not an insurance service: an e-commerce platform, a franchise network, a professional association, a mobility app. The subscription form can be integrated in two ways: through APIs, with the partner keeping its own interface entirely, or as a white-label journey in the partner’s branding. Korint Reach supports both, with the same rating, acceptance and compliance rules. One broker specialising in embedded insurance cut new product launch time from 6 to 9 months down to 6 to 8 weeks.

The timeline depends on product complexity, the number of channels involved and how mature the rating and acceptance rules already are. Because forms, steps, rules and permissions are configured rather than coded, it is measured in weeks rather than months: a broker specialising in embedded insurance moved from 6 to 9 months per product launch to 6 to 8 weeks, and deployed 3 products in 6 months against 1 per year previously. The limiting factor is usually business sign-off, not technical implementation.

Yes. A journey can be localised country by country as long as the product, its coverages and its contract documents are configured for each market. Labels, mandatory fields, regulatory wording, currencies and signature providers can differ from one country to the next while relying on the same product repository and the same back office. Korint is built for the European market and operates within a GDPR framework, with data and data flows located in Europe, in dedicated AWS environments (France and Ireland).

An underwriting journey handles personal data, which requires an explicit GDPR framework: minimising the fields collected, defining retention periods, keeping an access audit trail and managing permissions per user profile. Korint is ISO 27001 and SOC 2 Type II certified, with flows travelling over secured APIs that are logged and monitored. Permissions are set at field and step level, so a journey can be opened to external brokers or partners without exposing the whole portfolio.