Underwriter Workbench

Content Type: Industry Template


Underwriters often deal with fragmented and inefficient processes. Data sits in multiple silos, and getting information and answers is tough to facilitate and harder to track. Imagine being audited and having to track down a paper trail when your organization is still relying on spreadsheets. The time is now for insurers to digitalize offerings and services.

The Underwriter Workbench built in conjunction with Capgemini is the tool that allows an application to be built that brings all your underwriting tools and processes together under one roof. A single control panel serves as a one stop shop for underwriting tools and processes, improving efficiency and effectiveness.

  • Enables underwriters to complete risk assessment quickly and efficiently
  • Shortens time-to-decision
  • Facilitates predictive analysis

Get a 360-degree view of your underwriting processes with an intuitive chasis that’s easy to customize, deploy, and offers flexibility. The product’s easy usability comes from:

  • using a workflow engine
  • allowing the user to configure the necessary rules for automated task referral
  • incorporating a mechanism to contact brokers via email at every stage of the process
  • offering an appealing UI
  • letting the administrator set up rating values per coverage/retention rate manually

In addition, connecting to rating tools is easier using Mendix compared to traditional technology.  In this video, see how an application built in Mendix can work with Excel-based rating tools by using Coherent Spark through an API REST call.

Click here to be taken to a video on how to integrate your Excel sheet using Coherent Spark.

Do you want to know more, get a full demo or discuss the roadmap features you require? Please contact us!
Or do you simply get started and go make it! In that case it’s available for download here.

And if you are interested in a German video about efficient underwriting feel free to look into Underwriting mit Effizienz ermöglichen:

Dieses Video gibt einen Überblick über die Verwendung der anpassbaren Underwriter-Workbench. Wir schlüpfen in unterschiedliche Rollen und durchlaufen den Prozess bis zur Angebotserstellung. Dabei wird die Nutzung einiger Features, wie z.B. die Feedbackverarbeitung, veranschaulicht. Zudem wird durch eine Low-Code Anpassung gezeigt, wie schnell die Applikation um weitere Funktionen erweitert werden kann.



Typical usage scenario

A broker talks to potential clients to sell them insurance. When a client is interested, the broker will provide the insurance agency with all the necessary information to file the submission and evaluate the risk. Each submission belongs to a specific product inside a line of business. The risk consists of rating factors applied to selected coverage elements like a limit and retention. Throughout the evaluation, underwriters and their assistants will fill all submission data, and depending on the coverage height the manager will review the submission, too. After completion of the review, the broker communicates the quote to the client and will update the insurance agency on whether changes have to be applied or if the quote is accepted/declined right away. 

Features and limitations

Appealing UI – user-friendly interface assisting the user through the underwriting process

Workflow automation – tasks are created automatically and are only shown to the assigned user  

Email functionality – all communication to the broker happens via email. There are templates as the emails will look quite similar for the same tasks but they can be amended before they are sent. In order to use the email functionality, an email account has to be created and selected in the administration section. When the quote has been generated, it can be attached as a PDF. 

Dashboard – After login, the user sees a dashboard showing KPIs about the submissions created in the past 30 days. The data displayed is pre-filtered on their subjective interests: managers see all their sub-ordinates' submissions, underwriters and their assistants can see submissions assigned to them. 

Underwriter authorities – each underwriter can be linked to a rule that corresponds to the minimum retention rate and the maximum limit they can rule over without manager approval.

Lines of business – lines of business can be created as masterdata. For each line of business, a list of products can be created. All coverages and underwriter authorities are line-of-business specific. 

Coherent spark – if wished, the manual rating engine can be exchanged with the retrieval of information from a rating sheet stored on Coherent Spark. Coherent spark credentials are required for this functionality.


  • Email Connector
  • (if consciously set in the application settings: Coherent Spark)


Version: 2.0.0
Framework Version: 9.18.3
Release Notes: New features: - A demo implementation for the Coherent Spark platform has been added. - Products, coverages, underwriters and underwriter authorities are now specific to a line of business. Improvements: - The project is updated to Mendix version 9.18.3. - The project now contains the new Email Connector module (replacing the Email Service module). - Naming and structuring of project items are now more aligned. - The demo data now includes new lines of businesses. Bug fixes: - Users are no longer able to enter factors outside of valid ranges. - Fixed an issue with the navigation items of a submission. - Fixed an issue during demo data creation where the wrong authorities were assigned to underwriters. - Fixed an issue where the list of selectable underwriters for a submission was not correct.