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GDPR
USE CASE

Underwriting & pricing

Turn underwriting history into an active, queryable knowledge base. Match every new case to past decisions and their loss outcomes — with full rationale, confidence score, and the underwriter always in the loop.

The decision space

Underwriting is
memory work.

Every case is similar to something the team has seen before. The problem isn’t missing knowledge — it’s that institutional memory lives in PDFs, comments, mixed taxonomies, and the heads of individual underwriters who happen to be on holiday.

K2G turns that scattered history into one queryable knowledge base. The underwriter still decides — but with 47 historical analogues and their actual loss outcomes on the screen.

Four chronic problems underwriters keep paying for.

  • 01

    Inconsistent decisions across underwriters

    Acceptance rates can swing 42% to 89% for near-identical risks. Highest-acceptor portfolios often run 30–40pp above company-average loss ratio.

  • 02

    Rare risks decided by intuition

    One flood-zone warehouse every six months — no team has enough lived experience to price it well. The data exists; nobody has the time to dig it out.

  • 03

    Renewals priced as if the prior year didn’t happen

    34 contracts ran 100%+ LR last year. Average renewal premium increase: 5%. Math that doesn’t reconcile becomes a portfolio problem.

  • 04

    Loss feedback never reaches the underwriting desk

    Claims happen years after the decision. By the time the loss develops, the underwriter has moved on, the comment field is empty, and the lesson is lost.

UNDERWRITING QUESTIONS

The questions that come in.
The recommendations that go out.

Four real prompts underwriters have sent to K2G — with the agent’s one-line verdict and the reasoning that backs it up.

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Agents used:

Result:

OPERATIONAL PERFORMANCE BENCHMARKS

Business Impact

>70%

Decision turnaround time

Significantly

Underwriter drift

Pre-bind

Bad renewals caught

Materially

Pricing accuracy

Near zero

Wasted reviews

TRUST & COMPLIANCE

Full Regulatory Compliance

At K2G we take security and compliance seriously. With K2G you can trust your data is in safe hands.

GDPR

Our privacy-first, GDPR-compliant architecture uses local processing to secure all policyholder data.

ISO 27001

We follow ISO 27001 standards, providing world-class security to safeguard your digital assets.

DORA

Built for finance, our DORA-compliant platform ensures the operational resilience required for modern insurance.

Walk through your
underwriting book.

Bring a sample of your historical decisions. We’ll show you what the Decision Maker finds — patterns, anomalies, consistency gaps — in 30 minutes.