FigTrig reviews 100% of underwriting decisions, not a 5–10% sample. See it on your own guidelines →
AI Underwriting Reviews

Catch every underwriting gap before it becomes a loss.

FigTrig reviews every underwriting decision against your own rules. It reads the note, checks it against your guidelines, and flags anything incomplete, inconsistent, or out of appetite. A tireless second set of eyes.

See how it works
Built by a team from University of Oxford Antler

GDPR compliant

Handled to GDPR standards, with processing agreements before you go live.

Your data stays isolated

Never shared with other customers. Your guidelines, your tenant.

Never used to train

Your underwriting data is never used to train our models.

Data residency options

Choose where your data lives and how long it's retained.

Why FigTrig

Every decision checked, not a sample.

Most teams review 5–10% of decisions by hand. The gaps that cause real losses live in the other 90%.

100%
of decisions reviewed

FigTrig reads every note as it comes in, not just a manual spot-check.

Continuous QA
£4.2M+
flagged before binding

Genuine issues caught in our first pilot, surfaced while there was still time to act.

From a single pilot
< 1 week
to your first live review

Upload your guidelines once. FigTrig learns your standards, not a generic set. No long implementation project.

Tailored to you
The platform

An all-in-one quality layer for underwriting.

Everything your team needs to check, defend, and improve every decision, in one place behind the underwriters.

Six checks on every note

FigTrig reads each note and checks it against the things that matter most in any underwriting decision.

  • Risk identification. Were all key risks addressed?
  • Pricing rationale. Is the price justified and written down?
  • Authority compliance. Within delegated authority?
  • Loss history. Was past loss data reviewed?
  • Documentation quality. Defensible if questioned?
  • Policy terms fit. Are limits and exclusions appropriate?

Flagged in seconds

Reviewed the moment a note lands, before anyone has read it.

reviewed in 1.2s

Your rulebook

Upload guidelines once. FigTrig learns your standards.

appetite.pdf authority.docx

An audit trail that defends you

Every flag cites the exact section of your guidelines it relates to. A clear record for claims and regulatory review.

UW-114Pricing guidelines 2026, §3.2. Rate must be justified against identified risks.

Works with your stack

Sits alongside your existing underwriting system. No rip-and-replace.

REST API Webhooks CSV SFTP

Explainable flags, calm language

Plain-language reasons, not a black box. The underwriter always makes the call.

Clear Review Flag
How it works

Up and running in three steps.

No long implementation project. Most teams are reviewing live notes within a week.

Step 01 · Your rulebook
Drop your underwriting guidelines
PDF, Word, or internal manuals. FigTrig reads and indexes them.
Commercial-property-appetite.pdfindexed
Delegated-authority-matrix.docxindexed
Pricing-guidelines-2026.pdfindexed
Step 02 · Live review
Commercial property, Manchester warehouse
CASE-4471 · checking against 12 guidelines…
Reviewing 1.2s
Risk identificationclear
Authority complianceclear
Pricing rationalechecking…
Step 03 · A flag, explained
Flag · blocking
Missing pricing rationale

The note records Grade A pricing but does not justify the rate against the identified risks. This decision cannot be defended in a claims or regulatory review as written.

See rule UW-114 · Pricing guidelines 2026, §3.2
“FigTrig caught a pricing rationale gap on a £1.8M commercial property risk that would have gone straight to binding. It flagged the issue within seconds, before anyone on the team had even read the note.”
Senior UnderwriterCommercial Lines, London Market
Real-world case study

A major insurer lost hundreds of millions. Nobody at the top knew.

When regulators investigated, they found the same root cause every time: underwriting decisions were not being checked against the rules. Notes were written. Policies were bound. But nobody was asking whether the decisions were right.

Management had no visibility. By the time the losses surfaced, it was too late to act. This is the default state of most underwriting operations today.

£100M+
in losses traced to unchecked underwriting decisions. FigTrig closes that gap by reviewing every note, every time.
Questions

Common questions.

Most teams are reviewing live notes within one week. You upload your guidelines once: your rules, authority levels, and risk appetite. FigTrig learns your standards. No long implementation project or integration required to start.

You upload your guidelines in whatever format they exist: PDFs, Word documents, internal manuals. FigTrig reads and indexes them, then checks every note against those exact standards. It does not use a generic model trained on other insurers' rules.

Yes. Your data is never used to train our models or shared with other customers. All data is handled in accordance with GDPR, and we can discuss data residency, retention periods, and processing agreements before you go live.

FigTrig explains exactly what it flagged and why, referencing the specific section of your guidelines that was not addressed. Your team reviews the flag and decides how to proceed. FigTrig surfaces the issue; the underwriter makes the call.

FigTrig can work alongside your existing underwriting management system via API or by reviewing submitted notes through a lightweight integration. We discuss your specific setup on the demo call and design the workflow around what you already have.

See it work on your own guidelines.

Bring a few of your own notes and we'll show you exactly what FigTrig flags, and why. No commitment required.