Underwriting
Atlas
Straight-through on the clean cases, evidence on the rest
Atlas assembles the underwriting file, applies your manual rather than a generic model, and books a decision where the case is unambiguous — routing everything else to an underwriter with the reasoning already written.
Interactive demo
Watch Atlas work a real case.
Step through it one action at a time. Nothing here is a mock-up of a chat window — these are the actual stages of a run, including the checks that happen before anything visible occurs.
A $750K term application with an Rx history the e-app didn't mention
A 44-year-old applicant, $750K 20-year term, e-app declares no medications and no treatment in five years. Paramed and Rx data arrive over the following 36 hours.
Full transcript & decision trace
The part most vendors don't show you.
The verbatim conversation plus the reasoning trace behind it: rules fired, thresholds crossed, costs incurred, and every decision the agent deliberately refused to make.
What it's for
The problems Atlas exists to solve.
File assembly is the bottleneck, not judgment
Underwriters spend most of a case reading and reconciling documents. The actual decision takes minutes.
Clean cases wait behind hard ones
A case that should be an instant approval sits in the same queue as a complex impaired-risk file.
Consistency drifts
Two underwriters, same file, different class. Without a trace, the variance is invisible until an audit finds it.
Capabilities
What it actually does.
Multi-source file assembly
MIB, Rx history, e-app, APS, labs, and motor vehicle records reconciled into one structured file with conflicts flagged.
Manual-grounded scoring
Runs your underwriting manual as explicit rules — not a black-box score — so every debit and credit is attributable.
Conflict and omission detection
Flags where the application contradicts Rx or MIB data, the single highest-value signal in the file.
Straight-through booking
Books the decision in policy admin where the case is clean and inside the automatic threshold.
Underwriter briefing
Complex cases arrive with the file summarized, the ambiguity named, and the relevant manual section cited.
- MIB
- Rx / pharmacy databases
- Lab vendors
- APS retrieval
- Policy admin
- Underwriting workbench
- Declines are never automated — every adverse decision goes to a human underwriter.
- Any application/data conflict removes the case from the straight-through path.
- Manual section cited for every debit; unattributable adjustments are blocked.
- Protected-class proxies excluded from scoring and monitored by Sentry.
Human handoff: Anything outside the automatic band, any conflict, and every adverse action routes to a named underwriter with the file pre-read.
Questions
Straight answers.
Can Atlas decline an application?
No. Adverse decisions are human-only. Atlas prepares the file and quantifies the impact; an underwriter decides.
Whose underwriting manual does it use?
Yours. Atlas runs your manual as explicit, citable rules — that's why every debit points at a section number.
How do you prevent proxy discrimination?
Protected-class proxies are excluded from the feature set and Sentry monitors decision distributions for drift.
Keep going
The rest of the roster.
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Quark
Sub-second multi-product quoting with rider optimization.
Kairos
Pays the clean claims fast, escalates the rest in under 90 seconds.
Echo
Predicts churn 60 days out and acts before the lapse.
Sentry
Watches every agent action and builds the audit trail.
Vesta
Closes tier-one service cases instead of deflecting them.
Meridian
Runs the escalation while the human makes the judgment call.
Bedrock
Turns the submittal and RFI log into a schedule early-warning system.
Keystone
Assembles change order entitlement and turns inspections into proposals same day.
Anchor
Calls every foundation inquiry in seconds and books the inspection.
Ridgeline
Plans the inspection and production boards together, and re-plans them when the day breaks.
Slate
Turns inspection notes, photos, and measurements into a priced proposal before the inspector leaves.
Run Atlas against your own workflow.
Bring us one process and a number attached to it. We'll tell you whether an agent moves it.