Get applications complete before they reach the underwriter.
Klarefi is an AI intake agent for insurance underwriting teams. It automates submission intake: it reads what the applicant or broker sends in, checks it for completeness against your acceptance requirements, and asks for whatever is missing while they are still there. Your underwriter gets a complete file with a source for every fact.
Where applications stall.
Applications arrive incomplete.
The claims history covers three years and you need five. The activities on the form differ from the company register. A sum insured is missing.
The underwriter does the chasing.
Someone works out what is missing and goes back to the applicant or the broker. Each round takes days, and the file sits in a queue in between.
Triage runs on half a file.
Sorting applications by line, size, and appetite needs the facts. Without them, an application waits or lands on the wrong desk.
Example requirements
- Completed application form
- Sums insured and cover requested
- Claims history for the past five years
- Risk address and business activities
- Current insurer and cover
You set the requirements. Klarefi checks each file against them and asks for anything missing.
Klarefi completes the application before triage.
Step 01
Form
Collects answers and documents, and follows up in the chat.
Step 02
Fact
Extracts facts from each document, with a link to the source.
Step 03
Verify
Checks facts against each other, your records, and your systems.
Klarefi works in front of your policy administration system. It collects each application, checks it against your requirements, and follows up with the applicant or broker. It does not score or rank the risk. Your submission triage and your underwriters start from a complete file, and the underwriter makes the decision.
Use it for
What your underwriters get.
Every fact links to its source
Sums insured, turnover, claims history. Each fact links to the quote and page it came from.
Missing items requested during the application
A short claims history or a missing sum insured is flagged and requested in the chat, before the file reaches your team.
Application form on your domain
Applicants and brokers apply through a form that asks only the questions that apply to the risk.
Your underwriter decides
Klarefi prepares the file. Your underwriter reviews the facts, the checks, and anything still open, and decides on the risk.
Check a submission yourself.
The free tools check an ACORD form, a loss run, or a statement of values in your browser, before anything reaches an underwriter.
Free tools for insurance submissionsWhat a follow-up looks like.
The claims history stops two years short. Klarefi asks for the missing years in the chat. The applicant uploads them and explains one large claim. Klarefi reads the new document and adds the claim to the file. Anything still unresolved stays visible for review.
Test it on one product.
Pick one product and its acceptance requirements, and run real applications through it. Your underwriters review the files Klarefi prepares.
No credit card required