ClearSpeed
Risk clarity before it hits the book

UNDERWRITING

Risk clarity before it hits the book

Most applications are straightforward. The process rarely treats them that way. Without a reliable signal for risk of fraud at the application stage, underwriters work through a queue rife with blind spots. Clearspeed provides risk clarity before it trickles into your book.

Too many checks. Not enough signal.

To get the full picture at application, underwriters ask for more. More documents. More data. More follow-ups. Most applications don't need it. But without a reliable signal for risk of fraud upfront, there's no way to know which ones do. Moving faster on predictive and self-reported data alone brings its own cost. Risk of fraud enters the book.

Triage that sharpens underwriting

Speed

Low-risk applicants bind faster

When low-risk applications are identified early, they move through faster. Less friction for the applicant and streamlined insight for the underwriter.
Clarity

Underwriters get clarity sooner

A risk indicator at the point of application gives underwriters a stronger basis for routing decisions. Straightforward applications move forward. The ones where risk of fraud is elevated get the closer review they warrant.
Scale

The queue won't sort itself

Skilled underwriters spend time where it can change the outcome. Clearspeed screens at the point of application so expert attention lands on the applications that need it, helping skilled underwriters better assess for additional premium needs.
Flexible

Reveal blind spots as circumstances change

The voice carries the signal wherever the policy goes. Surface indicators of risk of fraud at renewal, mid-term review, or whenever circumstances change. Premium leakage and exposure stay in check.

Clearspeed surfaces risk of fraud before you commit

01
The questions
A short set of yes-or-no questions, answered by the applicant at the point of application.
02
The signal
Clearspeed analyzes for risk signals in the vocal response.
03
The indicator
You receive a clear risk indicator in seconds.
Minimal risk
Route and approve
The application moves forward. No delay, no friction.
Elevated risk
Follow up for review
The applications that need a closer look, get one.
44%
Reduction in testing spend
(Large US life insurer)
45%
Increase in new risks captured
(Large US life insurer)
90%
Additional premium capture
(Large US life insurer)

How Clearspeed enables trust across the policyholder lifecycle

Clearspeed screens for risk of fraud across the policyholder’s lifecycle, so genuine applicants move through fast and underwriters stay focused on the ones that need them. A few yes-or-no questions, with analysis grounded in decades of neuroscience, can right-size premiums across your book.