Welcome to AI Insurer Brief!
Hey it’s Fabio here,
In today’s Executive Series, we’re joined by Roger Ferrandis, Head of Partnerships at Sixfold.
Across the market, AI in underwriting is moving from pilots to real workflows. The question is no longer what AI can do, but how it creates value and changes how underwriters work day-to-day.
Roger broke down how Sixfold’s “underwriting brain” learns underwriting guidelines, how it fits directly into existing workflows without adding friction, and what insurers are actually seeing once it’s live - faster decisions, higher GWP per underwriter, and less time spent on manual review.
If you want to understand where underwriting AI is genuinely creating value today, this is one to read. Let’s get into it.
1. Roger, for someone outside Sixfold, what do you actually help insurers do better day to day?
We have always been AI native. Sixfold was created three years ago.
We have a system that we call the underwriting brain. This is AI-powered with a proprietary layer that learns the underwriting guidelines of the insurance company, and helps close more business by helping choose the right risks.
The way it works is we train the brain with the underwriting guidelines, risk submissions and the outcome of those submissions.
Any time a new submission comes in, our underwriting brain tells the underwriter what are the most important aspects of the risk and, from zero to five, how the risk submission is aligned with your appetite.
So zero will be disqualified. Five means this is perfectly aligned.
What we are seeing is that underwriters can now make those decisions faster. They don’t spend time browsing very large documents, and GWP per underwriter goes up by c.30%, with no need to increase headcount.
We make sure that this is a faster process, but we keep that underwriting discipline.
2. Insurance companies often struggle to adopt new tools and platforms. How have you approached deployment to reduce that friction?
We know that it’s really hard for an insurance company to adopt a new tool. It can take many months and since the start we didn’t want to be held back by that challenge.
What we did is we worked wherever the underwriter was working. So whether that’s a workbench, a policy admin system, or they don’t have any interface, Sixfold is integrated in that space.
We’re not asking underwriters to go to a different screen. We put our insights wherever they are working.
That is helping us prove our value, shorter time to value. But we are not having that friction with IT because with a simple API integration, this problem is solved.
3. The examples with Zurich and Skyward are interesting because they point to time savings and faster quote response. In practice, what feedback are you getting from underwriters once Sixfold is deployed?
The feedback coming from the underwriters is very positive. They are seeing, first of all, that the outcome is very accurate and aligned to their underwriting principles.
We still have underwriters as humans in the loop because they are the expert in making the final decision.
Ultimately we help underwriters not spend four hours drafting a referral. Or not having to go through a 200-page document to figure out what’s most relevant, because Sixfold will do that for them.
So I think we are seeing that we are delivering those KPIs: saving time, saving money, saving resources. But we are helping underwriters to have a happier and more productive work life because they are now more focused on what’s important and not on minor tasks.
4. What does the before-and-after look like for an underwriter once Sixfold is in place?
Before, the underwriter receives all those documents attached to an email. They need to read the email of the broker. They need to open the documents.
The after looks like: this is ready to be reviewed, these are the reasons to move forward, do you want to go forward?
That information helps them save so much time. Basically, time saving, accuracy, and value are brought in in a short amount of time.
That also creates a level of confidence that helps them think about launching a product or hiring new underwriters.
We’re helping them with our brain that memorizes the guidelines, to remember what’s important and not skip anything that is relevant.
So creating that confidence in the insurance company means that they can now scale.
The shift is simple: less time reading, more time deciding — with underwriting discipline intact.
Fabio Caravita — say hi on Linkedin
Founder, AI Insurer Brief
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