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Smarter Underwriting, Powered by AI and Human Expertise

AI-powered and human-led underwriting that drives speed, precision and performance

WNS enables global insurers to redefine underwriting with intelligent, future-ready operations, powered by AI innovation and deep domain expertise. Our solutions empower underwriters to break legacy constraints and tackle tighter regulations, rising data complexity and evolving customer expectations. From new business quotes to policy issuance, renewals and endorsements, our insurance underwriting services simplify every step to deliver smarter risk evaluation, sharper decision-making and elevated experiences while creating capacity for underwriters.

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3,000+
FTEs across personal, commercial and specialty lines
15 Mn+
Transactions handled annually
25–40%
Efficiency improvement
70%
Automation achieved in the endorsement process
Guidewire, Sapiens, Duckcreek
Experience working with leading platforms

What We Do - Compliance

We offer comprehensive AI-powered underwriting services to transform the entire underwriting process, streamlining workflows with automation and delivering data-driven intelligence for enhanced outcomes.

New Business and Quotations

  • Underwriting support

  • Delegated underwriting authority

  • Quote preparation and issuance

  • New business setup

  • Document management

  • Premium processing

Endorsements and Cancellations

  • Increase/decrease of sum insured

  • Cover alteration

  • Process declaration

  • Manage and evaluate lapse, cancellation and reinstatements

Pre-renewals and Renewals

  • Claims history review

  • Loss ratio calculation

  • Requesting declarations

  • Premium discounts

  • Renewal premium calculations

  • Commission and charges calculation

  • Auto rate calculation

  • Calculating expiry premium

  • Issue renewal letter, quote and policy

Compliance

  • Policy audits

  • Call quality monitoring/ soft skill audit

  • Complaints review

Wide Spectrum of Insurance Expertise

We support underwriting excellence across multiple lines of businesses, including:

Auto/ Motor

Home/Property

D&O

Marine

Engineering and Construction

Travel

Technology

Liability

Specialty Lines

Workers Compensation

Real-world Impact Stories

 
 

Client: Leading US-based General Insurer

Solution: To streamline underwriting and elevate both efficiency and customer experience, WNS deployed a hyperautomation-led transformation for the client. Leveraging intelligent automation, SKENSE and digitized workflow orchestration, we reimagined the client’s Target Operating Model to deliver measurable impact and operational excellence.

Outcomes:

  • ~40% resources cross cross-trained across all processes
  • ~32% efficiency savings
  • ~$65 million of savings over a period of 5 years
Leading US-based General Insurer

Client: Major APAC Insurer

Solution:The insurance company partnered with WNS to transform its processes, including underwriting. We implemented close to 140 projects in BPRM and Robotics, standardized processes across brands and improved fraud detection on refunds with intelligent automation.

Outcomes:

  • 250+ FTE benefit delivered upfront
  • 25% referral rate reduction
  • 80% AHT reduction for the renewal process
Major APAC Insurer

How We Deliver - Our proprietary solutions

We reimagine risk evaluation and improve decision-making across underwriting with our cutting–edge solutions — SKENSE, UAP and WNS Underwriting Workbench

 

SKENSE

Data contextualization engine and Gen-AI based solution to convert fractured data into risk summarization and powerful insights.

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Unified Analytics Platform (UAP)

Modular, cloud-based platform for end-to-end analytics and insights for better decision making.

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WNS Underwriting Workbench

Our AI-powered platform manages the entire spectrum of processes in underwriting, from submission to policy lifecycle management. With smart modules, including technical accounting, delegated authority and automated document creation, enterprises drive enhanced visibility and up to 30% higher efficiency.

WNS Underwriting Workbench

Key Questions Answered

Get answers to your questions and explore how WNS can address your challenges

We drive STP through Agentic AI and hyperautomation solutions, transforming the end-to-end underwriting process enabled by data-led insights. This automated underwriting for insurers eliminates manual touchpoints, accelerates turnaround time and ensures consistent decision-making even for judgment-based steps.
Absolutely. We embed AI, ML and predictive analytics into underwriting processes to enable smarter, data-driven decisions. From predictive lead and risk scoring to next-best-action models, our intelligent solutions help underwriters assess risk more accurately, prioritize high-value opportunities and drive business growth.
We reduce friction by enhancing digital containment through chatbots and self-service portals, increasing the adoption of digital channels. For live interactions, our real-time intent recognition and rep-guiding automation tools empower customer service agents to deliver faster, more personalized support, ensuring enhanced customer engagement.
We automate and offshore non-core, repetitive tasks, freeing underwriters to focus on complex risk evaluation, strategic decision-making and relationship management. This not only improves productivity but also elevates underwriting quality and responsiveness.
Underwriting outsourcing allows insurers to delegate policy evaluation, risk assessment and compliance tasks to specialized partners like WNS. This helps reduce turnaround time, improve accuracy, lower operating costs and allow in-house teams to focus on growth and product innovation.
WNS uses AI and advanced analytics to automate risk scoring, detect fraud, analyze historical loss data and accelerate straight-through processing. This results in faster underwriting decisions, improved loss ratios and higher consistency across portfolios.
Yes. From a customer perspective, data security and regulatory compliance are fully addressed. WNS follows strict global data protection standards, including ISO certifications, regulatory compliance frameworks and enterprise-grade cybersecurity controls.
WNS’ insurance underwriting services cover Property & Casualty, Life & Annuities, commercial insurance, specialty lines and reinsurance, making it suitable for both traditional insurers and digital insurers.
Typical onboarding with WNS ranges from 4 to 8 weeks, depending on process complexity, integrations and regulatory requirements. Customers benefit from structured transition governance and minimal business disruption.
Yes. WNS’ underwriting solutions integrate seamlessly with major policy administration, claims, CRM, and core insurance platforms through APIs, RPA and secure data pipelines.
Customers typically experience 30–50% faster policy turnaround, 25–40% operational cost savings, improved underwriting accuracy and better compliance performance within the first 6–12 months.
Yes. From a client standpoint, WNS supports hybrid models where human underwriters work alongside AI automation. This ensures critical risk decisions still benefit from expert judgment while achieving automation at scale.
WNS maintains quality through multi-layered QA frameworks, AI-driven validation checks, underwriting guidelines enforcement and continuous performance monitoring through analytics dashboards.
Customers choose WNS for its deep insurance domain expertise, proven global delivery model, AI-led underwriting platforms, strong regulatory compliance posture and consistent ability to deliver measurable cost and performance improvements.

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