Your underwriting data is leaking...

Do you know what the price tag of a data leak in underwriting is?

Try $6 million per breach, and that’s just the 2025 average for financial services.

And it’s not just about money.

A single breach can ruin broker relationships, trigger compliance headaches, and undo years of hard-earned trust with clients.

That’s why privacy can’t just be an IT problem anymore; it’s an issue your whole team needs to care about.

But how do these breaches happen?

Even the most sophisticated underwriting teams are vulnerable, and the problem usually comes from inside the process, not outside attackers.

Some of the most common weak points are:

Email attachments

Submissions, quotes, and policy documents are often sent as email attachments to speed up collaboration.

But every forward, reply-all, or download creates another unencrypted copy, making it impossible to track who has access or delete sensitive data later.

Local downloads and spreadsheets

When underwriters or brokers download submissions or claims data to their personal drives or desktops, those files leave the secure system environment.

They can be copied, renamed, or emailed without audit trails, making them invisible to IT teams and vulnerable to accidental sharing, loss, or malware attacks.

Lack of real-time oversight

Most underwriting teams lack continuous monitoring of file access or data changes.

Issues are usually caught only during quarterly audits, compliance reviews, or after a security incident has already occurred.

By then, the damage is done, making remediation reactive and costly.

Luckily for us, we have AI now that can help with all these problems.

Here’s how AI strengthens security in underwriting

AI doesn’t just automate your workflow. It also helps with:

Automating data ingestion

Underwriting workflows involve multiple submissions, documents, and spreadsheets, all of which are potential sources of exposure when handled manually. 

AI-powered platforms like Underwrite.In eliminate these manual handoffs by ingesting data directly from original sources, broker portals, emails, PDFs, and structured feeds, and mapping it into the system. 

This process removes the need for local downloads, copies, and multiple user interventions that are often responsible for accidental leaks or misplacement. 

Auditability and traceable decision-making

A significant risk in underwriting is not just data exposure, but the inability to demonstrate accountability in how data is used. 

AI platforms maintain detailed, immutable logs of all interactions: who accessed a file, what changes were made, and when decisions were applied. 

These audit trails provide real-time visibility into workflows and support compliance requirements without additional manual oversight. 

This transforms security from reactive measures into proactive governance.

How Underwrite.In further enhances this

• Confidence scores: It quickly assesses the reliability of extracted data.
  

• Source linking: It verifies every field against the original document instantly.
  

• Decision trails: It logs all approvals, rejections, or modifications with explanations.
  

• Structured claims insights: It automatically organizes loss runs and prior claims for easy review

Continuous monitoring and anomaly detection

One of the strongest advantages AI brings to underwriting is its ability to continuously monitor workflows for irregularities that human teams may miss. 

Every submission, document change, and access event is analyzed against historical patterns to identify unusual activity.

For example, a sudden surge in access to high-risk files, repeated edits by a single user, or inconsistencies between reported data and historical trends. 

This real-time surveillance will allow your underwriting teams to detect potential breaches, fraudulent behavior, or operational errors before they escalate into serious incidents.

How Underwrite.In changes your risk profile?

• Sensitive files never touch local drives or personal inboxes 

• Brokers and underwriters only see what they need

• Anomalies that would normally slip through get flagged in real time.

The business impact is also immediate:

• 85% faster processing
  

• 60% lower handling costs
  

• 3x higher field-level accuracy

Team Underwrite.In