Cognizant® L&A Underwriting Assistant

Cognizant® Agent Foundry is an enterprise-grade agent development framework for designing, deploying and scaling autonomous AI agents that transform business operations. Life and annuity carriers are under pressure to issue policies faster and more consistently. Traditional underwriting is still manual and fragmented: case managers verify documents by hand, evidence from MIB, prescription and credit sources arrives in silos, complex cases wait in queues for the right underwriter, and decision rationale is hard to audit. Cognizant® L&A Underwriting Assistant, powered by Agent Foundry is a multi-agent solution built on Amazon Bedrock that automates the underwriting lifecycle while keeping underwriters in control. A Supervisor agent orchestrates specialist agents. The Intake agent verifies applicant identity and case data. The Enrichment agent pulls and summarizes MIB, Rx and credit reports. The Recommendation agent applies your underwriting rulebook to classify risk as low, medium or high and generates a preliminary decision with a concise risk summary. Low-risk cases that meet carrier-defined thresholds move through straight-through processing. Medium and high-risk cases are routed by the Selection agent to the best-fit underwriter based on skills and workload. An Evaluation agent scores every recommendation with a documented justification, and the Communication agent requests missing documents and drafts policy or decline letters for approval. The solution runs in your AWS account on AWS Lambda, Amazon API Gateway, Amazon DynamoDB and Amazon S3, with Amazon Bedrock Guardrails, AWS IAM and Amazon CloudWatch for responsible AI, security and observability. As a professional services engagement, Cognizant configures the agents to your underwriting rules and assignment logic, integrates them with your third-party data providers and core systems such as policy administration, underwriting workbench, rules engine and document management, and deploys the solution into development and production environments. Based on Cognizant's process benchmarks, insurers can expect sale-to-quote time for straight-through cases to drop from 5-7 days to 1-2 days, up to 3.2x higher underwriter case throughput, and more consistent, auditable risk decisions. Actual results depend on case volume, rule complexity and underwriter pool size.