Submission & underwriting
Automated broker mailbox monitoring, AI-assisted document extraction, structured risk creation and a full underwriting workflow through bind and renewal.
Smartek platform · Available now
Smartek InsureXReinsurance, connected.
AI-assisted reinsurance underwriting and operations from broker submission through bind, claims insight and renewal.
Platform overview
Smartek InsureX
Smartek InsureX runs the full reinsurance underwriting lifecycle — from the moment a broker submission arrives to the moment a risk renews — with AI assisting underwriters where it genuinely saves time while keeping human judgement in control.
Governance & control
Binder-level line size limits, two-tier supervisory approval and a complete audit trail behind underwriting decisions.
Catastrophe modelling
In-house catastrophe modelling capabilities using open scientific datasets, supporting portfolio analysis and underwriting insight.
Finance & reporting
Debit note management, payment tracking and live underwriting and portfolio reporting in one connected environment.
Claims insight
Claims are registered, tracked and linked to risk records so real loss history can inform underwriting and renewal decisions.
AI with human oversight
Document intelligence assists with extraction and summarisation while underwriters review outputs before action is taken.
How it’s built
The essentials
Cloud-native
Hosted on enterprise cloud infrastructure, with UK data residency.
Secure by design
Enterprise-grade access controls and an active, ongoing security assurance programme.
AI, used thoughtfully
Some platforms use AI to assist underwriters; others are deliberately rule-based where predictability matters more. Every AI output is reviewed by a person before it’s relied on.
API-first
Built to integrate with the systems you already use, including direct broker connectivity.
How it works
How a risk actually moves through the system
1
Submission arrives
A broker submission lands in the underwriting mailbox and is picked up automatically.
2
Structured risk created
AI-assisted extraction turns the submission into a structured risk record for the underwriter to review.
3
Underwriter assesses
The underwriter reviews the extracted information, applies judgement, and progresses the risk — every AI output checked by a person before it's relied on.
4
Approval routes automatically
Depending on value, the risk is approved directly or routed to the appropriate supervisor — without anyone needing to remember which threshold applies.
5
Bind, finance, and reporting follow through
Once bound, the risk feeds finance operations and portfolio reporting automatically — the same record, start to finish.
5,000+Risks managed
15+Underwriters supported
Why Smartek
Built for companies who want proof, not promises
Proven, not promised
Smartek InsureX is implemented and actively used by a UK-based reinsurance company — 5,000+ risks managed, not a demo.
Deploy your way
SaaS subscription or in-house deployment — your infrastructure, your choice.
Built by insurance people
Our team has underwritten risk, managed brokers, and run claims — not just written code for it.
API-first
Straightforward to integrate with the systems you already run.
Right-sized
Modern technology without the multi-year enterprise implementation.
Honest roadmap
We tell you plainly what’s live today and what’s still being built.
Deployment
Choose how you deploy
Subscription (SaaS)
Hosted by Smartek. Fast to start, predictable monthly cost, managed as a secure cloud service.
In-house deployment
Run within your own infrastructure for organisations with specific data residency, governance or control requirements.
Who we serve
Built for insurance, not adapted for it
ReinsuranceTakaful insuranceMGAsBrokersSpeciality insurance
See what a live platform looks like
Most demos show you a concept. Ours shows you something already running.