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 If you're reading this, you're likely already aware of the friction caused by manual processes, outdated business processing systems, and disconnected tools that hinder underwriting decision-making.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.
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:
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.
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:
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.
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:
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.
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-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
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.
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.
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.
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.
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.
|
Platform |
Notable Features |
Use Case Fit |
Pricing Transparency |
|
FlowForma |
No-code automation, AI Copilot, audit trails |
SME to enterprise insurers |
Transparent, per process |
|
Appian |
Low-code, BPM, RPA integrations |
Large enterprise workflows |
Quote-based |
|
Pega |
Decisioning, case management, AI/ML |
Complex rules-based scenarios |
Quote-based |
|
Creatio |
Process CRM with no-code capabilities |
Midsize insurers |
Quote-based |
|
Majesco |
Digital underwriting suite |
Life & P&C carriers |
Quote-based |
|
BriteCore |
Policy admin and underwriting |
P&C insurers |
Quote-based |
|
Origami Risk |
Risk mgmt + underwriting |
Risk-intensive orgs |
Quote-based |
|
Indio |
Broker/client submission workflows |
MGAs and brokers |
Quote-based |
|
DecisionRules |
Business rules engine |
Carriers needing custom rules |
Transparent (freemium) |
|
Socotra |
Cloud-native policy platform |
Digital-first carriers |
Quote-based |
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.
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:
Watch how FlowForma’s copilot automates an insurance underwriting process in a few minutes:
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.
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.
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.
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.
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.
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 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.
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
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.
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.
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:
Quantitative Outcomes
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.
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
Appian’s Pros
Appian’s Cons
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
Pega’s Pros
Pega’s Cons
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
Creatio’s Pros
Creatio’s Cons
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
Majesco’s Pros
Majesco’s Cons
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
BriteCore’s Pros
BriteCore’s Cons
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
Origami Risk’s Pros
Origami Risk’s Cons
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
Indio’s Pros
Indio’s Cons
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
DecisionRules’ Pros
DecisionRules’ Cons
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
Socotra’s Pros
Socotra’s Cons
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.