
A Better Way To Evaluate Complex Risk
Unlock the Power of Unstructured Data for Underwriters
Apply actuarial principles to unstructured content. Gain deeper visibility into the true risk exposure of new business.
What happens when you can reliably predict which submissions lead to losses?
Fluence has developed powerful algorithms that seek out the language that has the highest differential between good and bad commercial outcomes.
AI-assisted triage
Knowing up front which business leads to profit or loss can transform how insurers prioritize new business.

Game-changing impact on profitability
Challenge:
An insurer sought to improve profitability by better identifying and managing risk within their portfolio.
Solution:
By running the Fluence Engine across their entire portfolio, the insurer was able to apply advanced analysis to unstructured data, improving risk selection.
Result:
- Reduced exposure to 74% of loss-making business.
- Retained over 90% of profitable business.
Impact:
Achieved dramatic enhancements in profitability and enabled the insurer to focus resources on high-value policies.

How Fluence helps
Understand
Learn from historic policy submissions.
Explore relationships between submissions and policy performance.
Showcase which losses could have been avoided.
Adapt Risk Selection strategy to reflect key findings.
Apply
Implement submission review with new business.
Establish real-time data pipelines for continuous access to insights.
Apply predictive insights to new business.
Embed outputs into existing risk models and workflows.
Scale
Expand to new lines of business.
Onboard new lines of business.
Capture and validate an increasing volume of policies.
Apply to new challenges such as default risk or claims handling.
Ideally suited to regulated industries
Process 1.5 billion words per hour
Audit entire document binders in minutes
Unlock insights quickly without delays
Consistent, repeatable results
Any input always produces the same results
Go beyond NLP
Deliver context on impact drivers
Discover significant terms and features
Models built on clear statistical probabilities
Fully governable to meet compliance needs
Unify structured and unstructured inputs
360° view of influencing factors
Models entirely powered by your data
Your IP stays with you
Your data is your competitive advantage