Embedded Files
UBots analyse historical loss data and compute actuarially grounded premium rates aligned to your CUO guidelines. Unlike static raters, they recalibrate continuously against your target combined ratio.
The pricing inputs
The pricing inputs
UBots build the technical premium from the parameters your underwriting committee already uses:
Expected loss ratio from historical claims experience
Treaty excess-of-loss (XOL) reinsurance cost
Expenses of management and commission
Net retention
Target combined ratio and return on net worth (RoNW)
Product-specific risk parameters for each line of business
From inputs to a premium — in four steps
From inputs to a premium — in four steps
1. Capture — the underwriter enters risk details in a short guided form.
2. Rate — the bot applies portfolio and CUO parameters to compute the technical premium.
3. Test — the result is checked for sufficiency against the target combined ratio.
4. Record — the quote, rationale and authority level are logged for MIS and audit.
UBots vs traditional rating tools
UBots vs traditional rating tools
Traditional raters
Traditional raters
Fixed formulas set once a year
Premiums often over- or under-priced
No link to portfolio results
Manual MIS
UBots
UBots
Dynamic, portfolio-responsive algorithms
Rates recalibrated to target combined ratio
Sufficiency confirmed per quote
MIS and logs generated automatically
Built by underwriters
Built by underwriters
tuistui's co-founders have spent decades in non-life underwriting and business development across Indian and international markets. UBots encode the questions a CUO asks — in software that every underwriter can use.
Visit our page Underwriting Bots for free testing of beta version of the Ubot
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