An UW rule engine, supplied by the reinsurer, was in use for traditional and standard user profiles. Complex cases were, however, largely manually underwritten. Given the expansion plans, manual cases are projected to drastically increase the underwriters' load. Typical underwriting processes involve a requirement of exhaustive additional data, resulting in back and forth communications with customers. Lots of effort were focused on low-value tasks, spanning across different tools resulting in significant loss of productivity. This increased the TAT for decisions, harming the customer experience and resulting in customer dropouts.