🛡️ Insurance · Flowchart
Insurance Underwriting Workflow
How a life or health insurance proposal is underwritten: automated rules, medical tests where needed, and the underwriter's decision.
Drawing diagram…
What this diagram shows
- Low-risk proposals are accepted automatically
- Medical tests are triggered by age, sum assured or disclosures
- Decisions can include a loading or exclusions
Prompt used
Underwriting flowchart: a proposal arrives with applicant details and disclosures, the rules engine checks age, sum assured, occupation and health disclosures, low-risk proposals are auto-accepted at standard premium. Others need medical tests at a diagnostic centre; results go to an underwriter who accepts at standard rates, accepts with a premium loading or exclusions, postpones or declines. The customer accepts counter-offers before the policy is issued.
Mermaid code
flowchart TD
A[Proposal with disclosures] --> B[Rules engine: age, sum assured, occupation, health]
B --> C{Risk level}
C -->|Low| D[Auto-accept at standard premium]
C -->|Needs review| E[Medical tests at diagnostic centre]
E --> F[Underwriter review]
F --> G{Decision}
G -->|Standard| D
G -->|Loading or exclusions| H[Counter-offer to customer]
G -->|Postpone or decline| I[Inform customer with reason]
H -->|Accepted| J[Issue policy]
H -->|Rejected| I
D --> JRelated templates
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