Top 10 Insurance Underwriting Software in 2025

Choosing the right insurance underwriting software is a strategic one. If you're reading this, you're likely already aware of the friction caused by manual processes, outdated business processing systems, and disconnected tools that hinder underwriting decision-making. 

In the competitive insurance market, staying ahead requires tools that empower underwriters, increase profitability, and streamline underwriting workflows from submission intake to risk assessment.

In 2025, industry leaders are turning to AI-powered and cloud native solutions that go beyond digitizing or automating the insurance underwriting process. These platforms provide actionable insights, structured data capture, and seamless integration with policy administration systems. 

Whether you're optimizing risk selection, improving premium calculation accuracy, or enabling insurers to process submissions faster, the right automated underwriting solution can drive long-term profitability.

This guide explores the best insurance underwriting software on the market. We’ll compare automated underwriting software options, highlight how they support underwriting teams, and show why FlowForma stands out as a single platform for business users seeking operational efficiency and a competitive edge.

What is Insurance Underwriting Software?

Insurance underwriting software refers to platforms designed to digitize and automate key insurance processes. These solutions help insurers manage submission data, apply underwriting rules, conduct risk analysis, and support accurate decisions based on structured data.

Modern underwriting software enables underwriters to process new business applications efficiently and consistently, while aligning with a company’s risk appetite. It supports commercial insurance underwriting, enabling brokers, clients, and underwriting teams to collaborate on a single platform.

Key features typically include:

• Risk Assessment & Risk Selection: Evaluate risks using historical data, market trends, and advanced analytics.
• Automated Insurance Workflows: Route tasks across underwriting teams, brokers, and internal stakeholders for faster underwriting decisions.
• Document Management: Capture, store, and retrieve documents with traceable version control.
• Artificial Intelligence Tools: Use AI-powered engines to extract new data from submissions and recommend next steps.
• Audit Trails & Compliance: Maintain complete transparency and traceability for regulatory reporting.

By centralizing the underwriting workbench into an intuitive interface, these tools enable insurers to streamline operations, increase profitability, and deliver better outcomes across the insurance business.

Why Is Insurance Underwriting Software Important?

In the insurance industry, risk evaluation must be fast, accurate, and consistent. Manual processes and fragmented systems slow down the underwriting process, reduce accuracy, and expose insurers to compliance risks.

The right insurance automation software brings a host of benefits:

• Improved Efficiency: Automation eliminates time-consuming manual tasks like rekeying submission data or routing paperwork for approvals. This lets underwriting teams focus on reviewing higher-risk cases while reducing bottlenecks during peak periods. For insurers, this translates into faster underwriting cycles and more efficient capacity management.
• Accurate Decisions: By using structured data and underwriting rules applied consistently across every submission, automated solutions ensure decisions are based on objective criteria aligned with your risk appetite. AI-driven tools also help identify anomalies or missing data before underwriters act, supporting more accurate underwriting outcomes.
• Operational Efficiency: Automating repetitive workflows reduces labor costs, cuts down errors, and improves resource utilization. Underwriting teams can use the underwriting workbench to triage submissions, prioritize tasks, and collaborate with stakeholders without switching tools or systems.
• Customer & Broker Experience: An intuitive, digital-first process provides greater transparency and speed to brokers and clients. Whether it’s faster turnaround times on quotes or real-time updates on underwriting decisions, enhanced service helps improve retention and win new business.
• Digital Transformation Enablement: Insurance businesses can use underwriting automation to modernize legacy workflows, integrate AI-powered decision making, and ensure scalability across markets. The right platform doesn’t just improve today’s workflows—it prepares insurers to respond quickly to market changes and launch new products faster.

In short, adopting an automated underwriting solution allows insurers to respond quickly to market changes, empower underwriters, and gain a competitive edge in the evolving insurance market.

Factors to Consider Before Choosing Insurance Underwriting Software

Choosing the right insurance underwriting software is about selecting a strategic solution that will support your underwriting teams and help your business stay competitive in a rapidly evolving insurance market. 

Here’s a detailed look at what truly matters:

Ease of Use

A platform with an intuitive interface empowers business users and underwriters to create, test, and modify underwriting workflows without relying on IT teams. This flexibility shortens deployment cycles, reduces operational bottlenecks, and supports real-time decision making. 

Look for systems that offer visual process designers or natural language inputs to make process configuration more accessible.

Customization & Flexibility

Every insurance business has unique underwriting rules, regional compliance needs, and product variations. 

A strong underwriting solution must adapt to different risk appetites and commercial insurance segments without complex coding. Customizable workflow logic, modular templates, and configurable decision trees help ensure the software scales with your operations.

AI & Advanced Analytics

AI-powered capabilities like FlowForma’s AI Copilot and Agentic AI can significantly improve underwriting efficiency. 

AI can analyze submission data, apply business rules, automate risk assessment, and even suggest appropriate subsequent actions. These tools provide actionable insights and help underwriting teams make accurate decisions faster and more consistently.

See FlowForma in action! Visit FlowForma’s insurance playground and ask it to prototype your insurance process or select from the common test cases we have included to see the magic happen. 

Prototyping a contract management process for an insurance organization

Seamless Integration

Insurance workflows don’t exist in a vacuum. Your underwriting software should integrate with policy administration systems, CRMs, product configurators, and distribution channels. This ensures continuity across departments and eliminates manual data transfer, key to maintaining structured data integrity and enabling straight-through processing.

Audit & Compliance

With increasing regulatory oversight, your software must support full audit trails, user access controls, and timestamped documentation. Structured data capture aligned with legal requirements ensures you can demonstrate compliance at every stage of the underwriting process.

Pricing & Transparency

Avoid unpredictable or usage-based pricing models that can lead to hidden costs. Look for platforms like FlowForma that offer transparent, per-process pricing with no extra fees for essential features like document generation or AI support. Transparent pricing makes it easier to calculate ROI and budget for growth.

Speed to Deploy

Cloud-native solutions typically offer faster onboarding and lower upfront investment. The ability to launch new underwriting workflows within weeks—not months—is a competitive advantage in today’s dynamic insurance industry. 

Rapid implementation helps underwriting teams respond quickly to market changes and streamline new business intake.

Evaluating your options against these criteria will help ensure you choose an automated underwriting solution that not only meets your current needs but also supports future scalability, innovation, and long-term profitability.

Best Insurance Underwriting Software in 2025

Looking for a quick comparison? The following table summarizes the top insurance underwriting software platforms in 2025 highlighting their core features, best-fit scenarios, and pricing transparency to help you make an informed choice.

Best Insurance Underwriting Software in 2025: Detailed Overview

Dive deeper into the features, strengths, and capabilities of the leading insurance underwriting software solutions for 2025. This detailed overview will help you identify the best-fit platform for your underwriting team’s needs and your organization’s goals.

1. FlowForma

FlowForma’s insurance process automation capabilities

FlowForma is a no-code, AI-powered process automation platform that transforms how insurance underwriting teams handle workflows, data, and decision-making. 

Designed specifically for industries like insurance, FlowForma empowers business users to automate and optimize underwriting processes without relying on IT support, ensuring faster deployment and enhanced operational efficiency.

Learn more about the process use cases from FlowForma's clients, such as Aon and Marsh McLennan.

At the core of FlowForma’s capabilities are its AI Copilot and Agentic AI, which revolutionize the underwriting process:

• FlowForma AI Copilot allows underwriters and business users to create, modify, and automate underwriting workflows simply by describing them in natural language. This eliminates the need for manual process configuration, making it easier for underwriting teams to design and scale complex workflows.
  
  
• Agentic AI drives intelligent automation by analyzing structured data from submission intake, assessing risk, applying underwriting rules, and suggesting actionable steps in real time. This feature enhances underwriting decision-making by providing accurate, data-driven insights that align with the insurer’s risk appetite.

Watch how FlowForma’s copilot automates an insurance underwriting process in a few minutes: 

FlowForma’s Features

Onboarding

Onboarding in insurance—whether for new policyholders, brokers, or third-party vendors—can often be a cumbersome, error-prone process. By embracing process automation, insurers can streamline workflows, reduce repetitive manual tasks, and deliver a faster, more reliable onboarding experience. 

Automation ensures a smooth transition, minimizes delays, and enhances overall operational efficiency, allowing insurers to focus on building stronger customer relationships from day one.

Regulations and Compliance

Navigating the complex world of insurance regulations is a challenge for any insurer. FlowForma’s no-code process automation simplifies compliance by embedding audit trails, controls, and documentation directly into each workflow. 

With every action being fully traceable, insurers can maintain a transparent and tamper-proof record, making it easier to demonstrate compliance during audits and meet ever-evolving regulatory standards.

Approvals

Approval processes in insurance, whether for claims, underwriting decisions, or policy endorsements, are often slow and manually intensive. FlowForma’s AI-powered Copilot transforms this by enabling insurers to rapidly create and tailor approval workflows to meet specific business rules and compliance needs. 

This automation accelerates decision-making and ensures consistency, reducing bottlenecks and enhancing efficiency across the organization.

Customer Service Requests

Managing customer service requests—such as policy updates, beneficiary changes, or coverage inquiries—can be overwhelming without an automated system in place. 

FlowForma simplifies this by allowing both customers and staff to submit requests digitally, triggering automated workflows that route tasks to the appropriate teams. With full visibility into request statuses, insurers can ensure faster resolution and a more seamless customer experience.

Incident Reporting

FlowForma optimizes the incident reporting process by digitizing the way insurers handle claims-related events, from accidents and property damage to liability issues. 

By allowing internal teams and customers to quickly log incidents, FlowForma ensures that data is automatically routed to the right departments for timely assessment and resolution, reducing manual errors and improving response time.

Renewals

The policy renewal process in insurance involves numerous stakeholders, documents, and approval steps, making it prone to delays and inefficiencies. FlowForma simplifies this complex workflow by automatically tracking key dates, sending timely reminders, and streamlining internal approvals. 

With everything centralized in a no-code platform, insurers can ensure that renewals are processed efficiently and without unnecessary delays, boosting customer retention and operational effectiveness.

FlowForma’s Pros

• Empowers underwriters to own and optimize the underwriting process
• Transparent pricing model with no hidden fees
• Quick deployment supporting rapid process transformation

FlowForma’s Cons

• Optimized for the Microsoft ecosystem; less suited for non-MS 365 environments

Case Study: ISO compliance

FlowForma successfully leveraged its own no-code process automation tool to digitize and streamline the ISO 27001 certification process, transforming how the company manages information security and compliance. 

By automating manual workflows, FlowForma not only improved decision-making speed and accuracy but also reduced operational costs. 

This case study highlights how FlowForma's platform helped the company achieve ISO certification while saving time, enhancing data integrity, and ensuring compliance with minimal effort.

FlowForma needed to implement an Information Security Management System (ISMS) to meet ISO 27001 certification standards. 

The challenge was to decentralize the process across the organization while ensuring the proper handling of sensitive data and compliance with internal and external stakeholders. This process was previously slow, error-prone, and required significant manual effort.

How FlowForma Solved It

FlowForma utilized its own no-code process automation platform to digitize the ISO certification process. By automating workflows, FlowForma streamlined the process, identified bottlenecks, and improved decision-making speed. 

The system enabled the company to enhance compliance management and access control, while easily adapting to evolving requirements. The automated solution saved the company from hiring additional personnel, resulting in a potential cost savings of €60,000.

You can listen to the whole story—right from the team that was in the middle of it—in this podcast on ISO implementation. It includes all the lessons learned, decision patterns, and the main challenges they faced during this implementation.

Quantitative Outcomes

• 74% reduction in errors in administration access through automation.
  
  
• 54% reduction in decision-making time when responding to threats.
  
  
• 50% time-saving in data collection for internal audits and compliance.
  
  
• Zero non-conformities and zero improvement recommendations during the latest external audit, showcasing the efficiency and success of the digitalized process.

Case Study: AON

Aon, a global insurance broker, utilized FlowForma’s no-code automation to streamline workflows, enhance compliance, and expedite digital transformation. This case study highlights the challenges Aon faced and the benefits achieved with FlowForma.

The Challenge

Aon, a global insurance giant with a strong Irish presence, faced significant challenges with its traditional workflows, which were primarily dependent on Excel, email, and paper-based processes. 

Different business units operated in silos, using various methods for documenting and sharing information, which made it difficult to maintain consistency, visibility, and compliance. 

With a focus on improving efficiency, driving productivity, and enhancing their digital transformation strategy, Aon needed a solution to automate their workflows, reduce manual efforts, and meet regulatory requirements. 

How FlowForma Solved It

FlowForma’s no-code process automation platform was selected to solve Aon’s workflow challenges. The platform enabled rapid automation of various business processes, including HR onboarding, GDPR requests, insurance vetting, etc.

Robbie Molloy, Product Manager responsible for SharePoint services, was able to quickly customize workflows using FlowForma’s intuitive Design Manager feature. 

The first automated process—HR onboarding/offboarding—was created in under a day, and several other key processes followed, enhancing collaboration across departments.

Key improvements included the automation of:

• HR Onboarding/Offboarding: Ensuring secure access to systems when employees join or leave.
• GDPR Requests: Centralizing the tracking of data requests for compliance.
• Insurance Vetting System: Automating the vetting of contractors for liability coverage.
• IT Outages: Simplifying the reporting and resolution of infrastructure issues.

Quantitative Outcomes

• Time Savings: The Insurance Vetting System was transformed from a lengthy process involving phone calls and paperwork into an efficient, automated system.
• Increased Efficiency: Workflow automation reduced reliance on manual tasks, saving a significant amount of time across business units.
• Improved Compliance: With automated workflows, Aon improved visibility and transparency, ensuring compliance and audit readiness, especially for GDPR requests and internal processes.
• Business-Wide Adoption: The ‘no code’ platform encouraged broad adoption across departments, with more managers creating their automated processes without IT intervention. 

Aon’s adoption of FlowForma's process automation platform enabled them to accelerate digital transformation, enhance internal processes, and achieve greater operational efficiency. This case study demonstrates how FlowForma’s automation capabilities are driving substantial business value while ensuring compliance and risk management in a regulated industry.

2. Appian

Appian’s homepage

Appian is a low-code automation platform designed to streamline and accelerate underwriting processes for insurers. By integrating business process management (BPM), robotic process automation (RPA), and AI, Appian automates critical underwriting tasks such as data entry, risk assessment, and policy issuance.

Its intuitive, low-code interface enables underwriting teams to quickly design and adjust workflows without extensive technical resources, fostering agility and speed in underwriting decision-making. 

Appian’s powerful analytics and real-time reporting tools provide insurers with actionable insights, allowing for faster and more accurate underwriting decisions. With seamless integration into existing systems, Appian ensures smooth collaboration across departments and provides insurers with the flexibility to scale operations while reducing operational costs.

Appian’s Features

• Low-code builder with BPM, RPA, and AI support
• Customizable underwriting rules and process automation
• Seamless integration with third-party tools for data and document management

Appian’s Pros

• Robust enterprise-grade automation for underwriting workflows
• Strong integration and governance capabilities

Appian’s Cons

• Requires IT support for configuration
• It may be too complex for smaller underwriting teams

3. Pega

Pega’s homepage

Pega is an advanced automation platform designed to optimize underwriting workflows with AI-driven decision-making and end-to-end process automation. It enables insurers to automate complex underwriting tasks, including risk analysis, premium calculation, and policy management, while ensuring compliance and consistency. 

Pega’s robust decision engine applies underwriting rules in real time, allowing underwriters to make data-driven decisions faster and more accurately. With seamless integration capabilities, Pega connects underwriting teams, brokers, and other stakeholders on a unified platform, improving collaboration and operational efficiency. 

Pega’s AI and machine learning tools also provide actionable insights, helping insurers refine their risk selection and underwriting strategies to stay competitive in the dynamic insurance market.

Pega’s Features

• AI and machine learning tools for underwriting decision making
• Advanced analytics and workflow routing
• Risk appetite modeling and rules engine

Pega’s Pros

• Ideal for insurers handling complex commercial insurance
• Actionable insights for new data and risk analysis

Pega’s Cons

• High learning curve
• Custom implementations require time and budget

4. Creatio

Creatio’s homepage 

Creatio is a no-code platform that combines CRM and process automation to streamline underwriting workflows for insurers. By automating routine underwriting tasks such as risk assessment, data entry, and policy management, Creatio accelerates decision-making and improves the consistency of underwriting decisions. 

Its intuitive interface allows business users to design and modify underwriting workflows without relying on IT, enabling faster implementation and greater flexibility. 

Creatio’s seamless integration with existing insurance systems ensures smooth data flow across departments, while its AI-powered analytics provide actionable insights to enhance underwriting efficiency and improve customer experiences.

Creatio’s Features

• No-code interface with drag-and-drop automation
• Unified CRM and underwriting workbench
• Real-time reporting and data-driven decisions

Creatio’s Pros

• Adaptable to both insurers and brokers
• Quick deployment for underwriting processes

Creatio’s Cons

• Limited advanced underwriting features without customization
• Requires significant configuration for large-scale insurance operations
• Learning curve for non-CRM users unfamiliar with the platform.

5. Majesco

Majesco’s homepage

Majesco offers a suite of insurance automation solutions designed to streamline the underwriting process for life, health, and property & casualty insurers. With its automated underwriting rules engine, Majesco enables insurers to process submissions faster, improve accuracy in risk assessments, and ensure alignment with business goals and risk appetites. 

The platform integrates with policy administration systems, enabling underwriters to focus on high-value decisions while reducing manual tasks. 

Majesco’s cloud-native architecture supports scalability, allowing insurers to quickly adapt to market changes and regulatory requirements, all while enhancing operational efficiency and improving the overall underwriting experience.

Majesco’s Features

• Automated underwriting rules engine
• Cloud-native core and product configurator
• Submission data validation and risk assessment tools

Majesco’s Pros

• Strong in regulatory compliance and structured data capture
• Tailored to the insurance industry’s complex workflows

Majesco’s Cons

• Less customizable for niche insurance lines
• Complex implementation for smaller carriers

6. BriteCore

BriteCore’s homepage

BriteCore is a cloud-native insurance platform designed to automate and streamline underwriting, policy administration, and claims processes for property and casualty insurers. 

By automating routine underwriting tasks such as risk selection, rating, and document generation, BriteCore accelerates the underwriting workflow, ensuring faster decision-making and reducing human error. Its user-friendly interface integrates seamlessly with existing systems, enabling underwriters to process submissions efficiently while maintaining compliance. 

BriteCore’s end-to-end automation, including its real-time reporting and analytics, helps insurers gain actionable insights, optimize operations, and deliver better service to brokers and clients.

BriteCore’s Features

• Digital intake for brokers and clients
• Automated rating, quoting, and risk selection
• Centralized underwriting workbench with advanced analytics

BriteCore’s Pros

• Supports improved efficiency and rapid deployment
• Easy to use for both business users and underwriters

BriteCore’s Cons

• Better suited for small-to-mid-sized insurers.
• Limited flexibility for non-P&C insurance lines

7. Origami Risk

Origami Risk’s homepage

Origami Risk is a risk management and insurance automation platform that streamlines underwriting workflows and enhances decision-making. By automating risk assessments, submission data capture, and policy management, Origami Risk helps insurers reduce manual effort and improve accuracy across the underwriting process. 

With its powerful analytics and AI-driven tools, it enables underwriters to make informed decisions faster, while providing real-time insights into risk exposure and underwriting performance. 

Origami Risk’s seamless integration with core insurance systems allows for smoother collaboration between teams and more efficient handling of complex underwriting tasks, driving both operational efficiency and better outcomes for the business.

Origami Risk’s Features

• Multi-line submission processing
• Risk scoring and workflow automation
• Advanced analytics and actionable insights

Origami Risk’s Pros

• Helps underwriters focus on high-impact decisions
• Enables insurers to align underwriting decisions with business goals

Origami Risk’s Cons

• Complex implementation for smaller operations.
• May be overwhelming for teams without dedicated resources.

8. Indio

Indio’s homepage

Indio, part of Applied Systems, is a digital platform designed to streamline the insurance submission process, enabling brokers and underwriters to collaborate seamlessly and automate data collection. 

By replacing manual paperwork with smart forms, e-signatures, and real-time updates, Indio accelerates the submission intake process and enhances data accuracy. It integrates directly with underwriting systems, allowing underwriters to process client submissions faster, apply underwriting rules more efficiently, and reduce human error. 

Indio’s focus on automating repetitive tasks not only improves the overall client experience but also boosts operational efficiency across insurance workflows.

Indio’s Features

• Innovative forms and AI-powered intake for submission data
• Seamless collaboration between clients, brokers, and underwriters
• Electronic signature and document workflow

Indio’s Pros

• Improves submission accuracy
• Helps brokers respond quickly to client demands

Indio’s Cons

• Not a full-featured underwriting software; best for brokers and MGAs

9. DecisionRules

The homepage of DecisionRules

DecisionRules offers a flexible, low-code platform designed to automate underwriting decision-making. It allows insurers to define, deploy, and manage complex underwriting rules in real time, ensuring consistency and speed across the process. With its intuitive interface, business users can easily configure and adapt rules without needing extensive technical expertise. 

DecisionRules supports integration with existing underwriting systems, providing insurers with the agility to respond to market changes, improve accuracy in risk assessment, and enhance operational efficiency.

DecisionRules’ Features

• Low-code rule engine for risk assessment and pricing
• Real-time decision engine with seamless integration
• Configurable workflows and APIs for automation

DecisionRules’ Pros

• Supports fast decision making and easy maintenance
• Ideal for insurers managing multiple distribution channels

DecisionRules’ Cons

• Requires integration with broader underwriting systems for full functionality

10. Socotra

Socotra’s homepage

Socotra is a cloud-native, API-first insurance platform that provides automation capabilities for underwriting processes. Designed to streamline and digitize underwriting workflows, Socotra enables insurers to automate key tasks such as risk assessment, underwriting rules application, and document generation. Its customizable workflows allow insurers to adapt the platform to their specific needs, ensuring that each underwriting decision aligns with company guidelines and risk appetite.

Socotra’s Features

• Cloud-native policy administration and risk profiling tools
• Product configurator for dynamic new business workflows
• Centralized platform for client, broker, and underwriter collaboration

Socotra’s Pros

• Great for enabling insurers to innovate quickly
• Tailored for growing insurance startups and MGAs

Socotra’s Cons

• Requires technical resources for configuration

Achieve Faster, More Accurate Underwriting with FlowForma

FlowForma isn’t just another underwriting software. It’s an AI-powered, comprehensive solution built to empower underwriters and transform how insurers manage risk, process submissions, and make data-driven decisions. 

Insurance firms select FlowForma Process Automation for its unmatched speed and efficiency in transforming underwriting and business processes. FlowForma enables rapid digitalization, delivering results five times faster than other low-code tools, making it the ideal choice for insurers looking to accelerate their automation journey. 

The platform’s seamless integration capabilities allow insurers to exchange data and documents effortlessly across thousands of other systems, ensuring smooth connectivity throughout their digital ecosystem.

In addition to fast automation, FlowForma offers powerful features like document generation, which eliminates manual document handling by replacing it with elegant, pre-designed templates. 

The platform’s AI-powered automation enables teams to work smarter, faster, and more efficiently, while comprehensive reporting tools provide granular insights into business data for better decision-making. 

With built-in risk management features, FlowForma helps offset risk exposure by giving decision-makers a clear, comprehensive view of risks, further empowering them to take informed actions and drive business outcomes.

Testimonial from Aon, one of FlowForma's insurance customers

If you’re looking to improve how your insurance business handles underwriting—from risk assessment and premium calculation to structured data capture and decision making—FlowForma is your partner in digital transformation. 

Book a tailored demo to see how FlowForma redefines insurance underwriting.