Answers AI™

Drive underwriting excellence with AI-surfaced insights


Answer AI streamlines and centralizes all available information about an applicant’s business and answers underwriting questions directly through insurance trained AI models. There are two key components of Answers AI: standardized questions to confirm risk characteristics and business classification.

Key Capabilities

Improve Your User & Customer Experience

Get answers to many of your questions instantly without searching online or calling producers.

Get a More Comprehensive​ Risk Overview

You can combine learnings with ​other underwriting resources for ​deeper insights

Apply Predictive Analytics

Obtain a probabilistic answer utilizing insured’s digital footprint

Customize Your Analysis

Create customized answers to your unique questions and those specific to your risk appetite

Answers AI Applies Decision Science to

Serve Up Best Answers to Complex Underwriting Questions

Answers AI gets to the core of risk selection by answering highly targeted underwriting questions​


Instantly answer a complete series of underwriting questions

Validated Application Appetite Data

Detect and reduce potential undesirable exposures


AI facilitates more complete review and surfaces the best answers

Why Answers AI?

Customizable Answers

Finding the right answers for questions can be like trying to find a needle in a haystack. Answers AI identifies risks that underwriters might miss.

customizeable answers

How it Works

  • Data is extracted from the Convr data lake
  • Relevant source data is scoured and ranked
  • Machine learning models act on the data, making predictions on relevance, accuracy and outcomes by category

AI-Surfaced Applicant Data

Answers AI delivers a powerful capability with results in less than a second

Answers Pre Fill

Patented Pre-Fill Capabilities of Answers AI

  • Pre-Fill

    over 75% of most submission applications to make it easier to do business and to achieve straight-through processing.

  • Review

    validate and edit entered data to ensure a higher quality application.

  • Accelerate

    the review of submissions that did not meet STP standards.

  • Elevate

    the overall underwriting experience by integrating d3 Answers into relevant portals.

  • Classify

    businesses into their correct category using AI-driven insights to ensure proper risk assessment
    and selection.

Convr at Work​

Learn how Columbia Insurance Group drove real results with Answers AI

columbia missouri

Learn how carriers such as Columbia Insurance Group are saving underwriters more than 2,500 hours a year.

With Answers AI, you have two powerful capabilities to innovate the underwriting experience, pre-fill and business classification.


Loss Avoidance

Calibrate individual risks and predict those most likely to experience a loss in the coming year.

Underwriting Efficiency

Drive efficient submission intake, prioritization, underwriting analysis and decisioning with a full-suite of AI-infused commercial insurance tools.

Price Adequacy

Identify the submissions and segments that are riskier or less risky in the specified population so pricing is more aligned with relative exposure.

Speed to Quote

Increase quote-ratios and new business by accelerating the underwriting process from intake to data collection to identifying the right submission questions and answers.

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