AI For Life Insurance Brokers and Carriers
Pathwork is the AI underwriting platform built for life and health insurance distribution. It summarizes APS files, sends quick quotes, runs informals, and finds the right carrier, so your team spends its time on judgment calls instead of paperwork.
Reduction in manual APS review time
Increase in placement rate
Of an underwriter's time recovered
The old way of underwriting is costing you cases.
Your current workflow was built before AI existed. It shows in every stalled case, avoidable OTA, and frustrated producer.
90 minutes to read a single APS
A routine APS runs 200 pages and eats 90 minutes of underwriter time. Complex files arrive at 1,500 pages and take days. Cases sit. Producers go elsewhere.
Carrier rules buried in binders and cheat sheets
Your team matches cases to carriers from institutional memory and outdated guides. When someone leaves, that knowledge walks out with them.
Pre-qual that stalls every deal in the pipeline
Chasing eligibility, running informals, and going back and forth with carriers turns a 2-day process into 2 weeks. Complex cases take even longer.
Pathwork works the way your underwriters already do. It plugs into your existing process instead of replacing it, so there is no system overhaul and no months of onboarding.
For Brokers
Case Underwriter
Summarizes APS records with source page links, predicts risk class across carriers, sends quick quotes, and drafts a carrier-ready cover letter. Say yes to cases you would have written off as declines.
For Brokers
Knowledge Assistant
Instant answers to any underwriting, product, or carrier guideline question, trained on real carrier data. No cheat sheets and no waiting on a carrier’s underwriting desk to call you back.
For Brokers
Medical Data on Demand
Rx and claims history in seconds, before you decide where to submit a case. Surface what matters, and get to the right carrier the first time.
For Carriers
PreQual Manager
Triages incoming pre-underwriting inquiries instantly, so your team responds faster, prescreens accurately, and handles more cases.
From uncertainty to placement, in a single workflow.
Today your team chases answers across carrier portals, binders, and inbox threads. Every handoff adds delay and another chance for error.
With Pathwork, capture, assessment, prequalification, and placement live in one place. AI handles the grunt work. Your team makes the calls.
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SOC 2 Type II certified and HIPAA compliant. Deploys as a web app with role-based logins in about five minutes, or embeds into your own agent portal via REST API.
See it run on your case types.
The numbers come from real firms.
The results are repeatable.
Every stat below comes from brokerages running Pathwork on live cases.
No generic walkthrough. We build it around the case types your team works most, so you leave knowing exactly what Pathwork does for your firm.
1
Watch an APS go from 1,500 pages to a summary in minutes
We run a sample record start to finish so you can see the output quality for yourself, source links included.
2
See a likely decline turned into a negotiable case
Pathwork pulls the talking points out of the medical evidence, so you can see exactly what you’d take back to the carrier.
3
Turn “I got a guy” into a carrier-ready quick quote
Watch Pathwork convert a messy intake email into a structured, carrier-ready quote in 4 clicks.
Book 20 minutes and watch Pathwork work a case end to end.