Underwriting

What's included

About this module

Underwriting lives at /insurance/carrier and is the counterpart to the consumer Insurance marketplace. On the Offers tab you author products and declare their signal-discount tiers — which shared signals earn a borrower how much off, for example "share HRV and sleep for 15% off auto" — and publish them straight to the public marketplace, where consumers see exactly those numbers and bind. Becoming a carrier is gated: your org applies through the in-module Enroll step, and once approved the authoring and book-management surfaces unlock.

The Book of business tab shows every policy you have written, but with a hard privacy boundary built into the platform. You see whether a policyholder qualifies for a discount tier — never the raw signal data behind it. The heart-rate number, the sleep score, the telematics trace all stay with the policyholder; you get the qualification result, not the inputs. And every time you pull a policyholder's view, that read is recorded on their own Carrier reads log with a timestamp, so the transparency runs both ways.

The same rate-ratchet invariants the consumer sees are enforced for you in code: each policy's baseline is an immutable ceiling, sharing only ever lowers the premium, and a policyholder revoking a signal never triggers a surcharge. Authoring offers and reading policy views are separate capabilities, so you can let an analyst design products without granting access to policyholder data. You compete on rate and product, not on how much of someone's life you can extract.

What you can do with it

• Author an insurance offer with declared signal-discount tiers and publish it to the marketplace

• Run your full book of business on aggregated qualification views, never raw signals

• Underwrite knowing every policy read is logged on the policyholder's side

• Split offer authoring and policy-view access into separate permissions for your team

• Apply to become a carrier and unlock the originator surfaces in one enrollment step