Embedded information
Underwriting Approval Workflow Rules
The business rules governing which risks auto-approve, which refer, and to whom.
Information Advantage assessment
Information Advantage Score
88 / 100
Confidence: not yet assessed -- add evidence below
| Factor | Score | Weight | Contribution |
|---|---|---|---|
| Uniqueness | 5 / 5 | 20% | 1.00 |
| Quality | 4 / 5 | 12% | 0.48 |
| Depth | 4 / 5 | 8% | 0.32 |
| Freshness | 4 / 5 | 6% | 0.24 |
| Connectivity | 3 / 5 | 10% | 0.30 |
| Actionability | 5 / 5 | 14% | 0.70 |
| Economic Value | 5 / 5 | 18% | 0.90 |
| AI Readiness | 4 / 5 | 12% | 0.48 |
Seeded assessment for the demonstration dataset.
Assessed 8/29/2026
Information Leverage
How much organisational impact this asset could influence -- a separate measure from Information Advantage above, never combined with it. Computed from the decisions and frictions this asset is actually linked to below, not asked for directly.
Low (20/100)
- decisionReach: band 1/5 × weight 0.25 = 0.25
- decisionFrequency: band 1/5 × weight 0.25 = 0.25
- decisionImportance: band 1/5 × weight 0.25 = 0.25
- workflowReach: band 1/5 × weight 0.15 = 0.15
- peopleAffected: band 1/5 × weight 0.1 = 0.10
Not incorporated: "decision importance" and "economic consequence" are collapsed into one proxy (decisionCostEstimate) -- no field distinguishes them; "people affected" is only ever populated from linked Frictions, not from any Decision-level field, since none exists.
Evidence
What backs the score above, factor by factor. Recalculated into the Confidence figure the next time this asset is re-assessed.
No evidence recorded yet -- this is currently an opinion, not yet backed by anything checkable.
AI Opportunities
No opportunities generated from this asset yet.
CLEAN status
CLEAN status
- Capture→ Identified information asset
- ✓
- Label→ Contextualised asset
- ✓
- Evaluate→ Quality/value/uniqueness assessment
- ⚠
- Align→ Business decision/use-case alignment
- ⚠
- Nurture→ Continuous improvement and monitoring
- –
Next: Formally evaluate uniqueness and value, then align to an AI opportunity.
Assessed 8/29/2026
Friction & Diagnosis
Where this asset shows up as the information behind a friction, or in a diagnosis of one.
Not linked to any friction or diagnosis yet.
Ownership & source
- Department
- Underwriting
- Source system
- Underwriting Rules Engine
- Owner
- Chief Underwriter
- Business process
- Underwriting referral routing
- Format
- Rules engine configuration
Volume & freshness
- Approximate volume
- ~400 active rules
- Historical depth
- Continuously evolved over 7 years
- Update frequency
- Monthly
Governance
- Accessibility
- Restricted
- Data quality
- Good
- Sensitivity
- Internal
- Regulatory considerations
- —
Value & usage
- Existing usage
- Automated underwriting decisioning.
- Current business value
- Encodes years of risk appetite calibration.
- Potential future value
- A direct blueprint for an AI underwriting assistant that mirrors house risk appetite.
Competitive position
- Competitor accessibility
- Near Impossible
- Could a competitor reproduce this?
- No
- Additional tacit knowledge held by employees?
- Yes
- Tacit knowledge notes
- Some rules exist because of past losses that are only remembered informally.