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Retain your customers, grow your book, maximize your team’s capacity and capabilities, and enhance risk selection with Cogitate’s modern tools and unified digital experience.
The collaborative agent/underwriter platform streamlines submissions and speeds rate, quote, bind, and issuance. Service post-sales endorsements, renewals, cancellations, rewrites, and reinstatements.
Data partner integrations, automation, predictive modeling, data analytics and no-code tools speed submissions, increase underwriter efficiencies, and improve risk selection.
Built-in analytics, underwriting intelligence, and third-party data integrations support underwriting decisions, reduce manual research, and eliminate data entry.
Enjoy the search and query features of the AI Underwriting Assistant. Upload documents and query the content, pre-fill submissions, search the internet for additional documents and information.
Get the word out in real-time with the Communication Hub which allows you to communicate your marketing decisions immediately to your distribution partners.
With the low code no code Configuration Hub, your team can quickly react to market opportunities and threats by adjusting rules, rates, forms, underwriting questions, and your appetite in minutes. Business tools are designed for business people, no IT required.
Seize the opportunity to provide unified connectivity with policyholders, distribution partners, and your internal teams on DigitalEdge Policy. Ease of use will define you in the marketplace, build rapid, repeat business, strengthen and speed decision-making, and make working with and for you an exceptional experience.
Go live in 8-12 weeks with your first line of business. That defines speed to market.
Eliminate mundane, manual tasks and reallocate resources to support exponential growth - with level staffing.
Curate your coverage, we'll customize your platform. With low code no code tools and highly configurable microservices architecture, we'll design your platform for the way you work and the protection you provide.
Business tools allow you to rapidly add existing coverage to new states with a few intuitive steps.
Enhance the efficiency and productivity of your technology with our 'Pay-as-You-Grow' model. Select only what you need, we're here to grow with you.
Intuitive, contemporary UI is so easy to use, you’ll never need a user’s manual and while we’re always available to train customers, they rarely need it!
Go live in 8-12 weeks with your first line of business. That defines speed to market.
Eliminate mundane, manual tasks and reallocate resources to support exponential growth - with level staffing.
Curate your coverage, we'll customize your platform. With low code no code tools and highly configurable microservices architecture, we'll design your platform for the way you work and the protection you provide.
Business tools allow you to rapidly add existing coverage to new states with a few intuitive steps.
Enhance the efficiency and productivity of your technology with our 'Pay-as-You-Grow' model. Select only what you need, we're here to grow with you.
Intuitive, contemporary UI is so easy to use, you’ll never need a user’s manual and while we’re always available to train customers, they rarely need it!
Our AI-powered solution transforms the underwriting process by automating key tasks and improving operational efficiency. With seamless document uploads for creating submissions, AI powered chat interactions, and the ability to retrieve and summarize policy information, our system simplifies workflows. Additionally, it provides valuable insights for underwriters.
The solution leverages advanced Large Language Model agents for each task, coordinated by a central decision-making agent. This intelligent orchestration ensures that the right agent is invoked based on input and context, delivering smooth, accurate results every time.
Our LLM-based AI solution streamlines the document submission process by automatically extracting key data from application forms, loss runs, and financials for policy binding. This improves accuracy, reduces manual errors, and shortens turnaround times.
The document-agnostic system integrates seamlessly with existing platforms and APIs. It features the Cogitate Confidence Score (CCS), which visually indicates the system’s confidence in each data field, using customizable color codes. Additionally, a document highlighting tool shows exactly where data is sourced from, ensuring full transparency and traceability. This efficient automation enhances underwriting speed and decision-making confidence.
Our Predictive Analytics tool empowers underwriters to prioritize new submissions by calculating their binding probability. Using machine learning and historical policy data, the dynamic prediction API ranks submissions across clients and lines of business (LOBs). Submissions are categorized into red, yellow, and green tiers, allowing underwriters to focus on the most promising opportunities. This data-driven approach enhances decision-making, boosts productivity, and accelerates the underwriting process.
In just 3 months, the team quoted 72% of the previous year’s total volume with no increase in headcount. This would equate to an annualized 200% increase in our volume capacity. We would not be where we are today if not for Cogitate.
We are very excited about working with Cogitate. Their innovative digital platform will further strengthen our ability to offer an unmatched channel partner and end-user customer experience. Also, this technology offers straight-through processing with built-in workflows for Underwriter approvals which will make it easy for our channel partners and customers to do business with us.
In the rapidly changing insurance industry, insurers are turning to digital business models to stay relevant and competitive. Digitalization of insurance is no longer a differentiator but has become table stakes to fulfil new customer demands. Insurers are looking for modern technologies to build out their digital ecosystem and transform the customer experience – for both channel partners and customers. Critically, these kinds of systems must integrate seamlessly with existing core insurance systems and have pre-integrations with third party data sources and insurance services. Many insurers are looking for a microservices-based architecture to drive flexibility and speed of implementation.
The speed of implementation with Cogitate’s DigitalEdge Policy and DigitalEdge Billing, surpassed our expectations, enabling our new Homeowners Program launch embedded in the home sales experience of large home builders.
Partnering with Cogitate is another step toward our long-term goal of digital transformation. We are pleased to work with a technology vendor that truly understands the needs of the modern independent MGA. As the insurance distribution landscape changes, so do the needs of our agents. We are committed to putting our agents first; adopting software which increases the value that we add to our role in the industry, speeds turnaround time and enhances the customer experience.
As we began to implement Cogitate Claims, we were not only greatly impressed with the quality of the solution, and its flexibility; but also the deep working knowledge and professionalism of Cogitate’s entire team. The strength of the Cogitate team was not only in their technical knowledge in software development and integration but their knowledge of claims and the claim handling process.
Several of our friends in the business use the Cogitate solution. They highly recommended Cogitate for their industry expertise, solution capabilities and their friendly team who work with the customer to solve their issues. Our new claims system engages users throughout the claim lifecycle. It is helping our team to reinvigorate claims processes to improve customer experience, increase efficiency, and reduce operational cost. It is pre-integrated with various third-party data services and also with our other internal systems for real-time exchange of information.
Cogitate Demand Management solution has so many features and benefits. We have significantly enhanced control over attorney demand claims exposure with this software. DemandAssist solution helps us to ensure that no demand or a subsequent deadline is missed which can lead to bad faith. This is truly ‘sleep insurance’ for me when it comes to attorney demand letters. It’s an incredibly valuable tool for me as the Claims Vice President.
Industry trends, expert analysis, and actionable insights to help you unlock new potential.
Choose by module or adopt our full suite.
Cogitate DigitalEdge Claims with its comprehensive, and innovative and highly configurable solutions delivers greater value to business by shortening the claims turnaround time and delivering enhanced experiences for your customers when they need it the most. In addition, it streamlines the claims processing using a bouquet of modern technologies resulting in reduced costs and leakage, and improved productivity and efficiency.
