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Optimization and automation offer underwriters what’s needed most — speed, scale, and control.

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The sky’s the limit for underwriting, thanks to cloud-based platform technology

Optimization and automation often get referred to in the same breath. It’s no surprise, they work side-by-side to ensure operating models are as streamlined as they can be for digital customers, often with exceptions and agent intervention only needed if requested. Optimizing and streamlining underwriting processes are vital to ensuring a balance — all underpinned by available specialist resources — that allows the maximum volume of work to be automated as efficiently as possible. FICO is already helping organizations make their operations smarter, faster, and more profitable with increased automation and personalization on digital channels. It includes rapid application development, optimization, automation, and accelerated underwriting decisions that help agents stay one step ahead of the competition.


FICO® Platform for Underwriting

Underwriters continue to deal with one of the most competitive and challenging periods in the history of the industry. It seems regulations are in a state of constant flux. Customers are more willing to switch providers than ever before — and they expect faster, personalized offers and service. At the same time, consumer information still isn’t easy to collect, analyze, or approve, and many companies haven’t been able to automate processes as successfully as they’d hoped. Underwriters try to make the best of legacy systems. But downward pressure on margins makes it harder for companies to staff up or upgrade their software. FICO® Platform for Underwriting is already helping providers win a competitive market share. It offers everything underwriters need at their fingertips — and so much more.

  • Centralized decisioning — including everything from underwriting, claims, fraud prevention, pricing, agency and broker management, plus policy offers and management 
  • Increased automation and personalization on digital channels 
  • Rapid application development and faster product deployment 
  • Optimization with advanced algorithms 
  • Simulation and testing 
  • Decision and model governance and monitoring 
  • Rapid deployment of SAS, R, Emblem, and other analytic models 
  • Fraud prevention 
  • A highly segmented approach for collections and recovery 
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With more than 60 years of innovation and pioneering work in predictive analytics, machine learning, and artificial intelligence, FICO® Platform provides a complete, end-to-end set of composable capabilities that empower you to uniquely address a vast spectrum of use cases — right across the customer lifecycle.

It’s the unique combination of Data, Insights, Actions, and Outcomes that delivers a differentiated approach to AI decisioning — at speed and at scale. It enables you to achieve a competitive advantage you’d experience with a fully custom approach — where your unique know-how and intelligence are kept secret — while lowering your costs and speeding up the time to market.  

Case Study

Mercury Insurance

Leading insurer “democratizes” its decisioning platform for insurance underwriting
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“We deployed the first big chunk of rules in a very short timeframe, very smoothly. Then every release got easier and easier, to the point where every month we’re rolling out a new set of rules.”

Kevin Bailey, Director of Underwriting Research and Innovation
Mercury Insurance


FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

Analytics & ML

Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.

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Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.

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Give your business users the crystal ball they need to creatively explore ideas, respond to emerging trends, and build better decisions.

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External Data Access

Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.

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Composition & Orchestration

Choreograph your intelligence to animate customer journeys by weaving data, insights, and actions into positive, memorable, and valuable moments in your customers lives.

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Feature Management

Get more machine learning projects into production by leveraging a shared library of derived data attributes across your enterprise.

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Unleash the power of mathematical optimization — use high-performance solvers to model business problems and calculate the best possible decision to maximize your desired outcomes.

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Enforce overall management of the entire ecosystem so you can move quickly and with confidence.

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Testing & Validation

Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform.

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