back to blog
insurance

Why underwriting AI fails without provenance

Underwriters don't need a clever model. They need to see where every extracted value came from.

AK

Ando Kivilaid

Builds things with AI

2 min
#document-ai#underwriting

Brokers send messy PDFs. Underwriters need to trust every single field that comes out of them. That gap is where most document AI projects fail.

What production actually needs

  • Coordinates back to the source page for every extracted value, so an underwriter can check it in one click.
  • A human in the loop for the edge cases, instead of pretending there are none.
  • Accuracy measured against gold labels — not F1 scores from a demo on clean samples.

Hold the launch

At Insly we didn't launch until we reached 99.4% field match on 800 sampled fields across 4,200 submissions. Waiting for that number was the point: it's what underwriters needed to see before relying on the system.

share: