SANDY — Underwriter Assistant
Reasons over the full case context—submissions, enrichment, and guidelines—to support underwriting judgment in real time.
The problem SANDY solves
Underwriting decisions increasingly require reasoning across fragmented and conditional information.
Fragmented decision context
No single place contains all information required to assess a risk.
Manual synthesis burden
Underwriters must assemble, reconcile, and interpret inputs before judgment begins.
Inconsistent reasoning
As complexity increases, decision consistency declines—even among experienced teams.
Decision quality degrades as cognitive load and context fragmentation increase
Sources: McKinsey decision-making research; Harvard Business Review
Knowledge workers lose effectiveness when forced to reason across multiple systems
Sources: McKinsey Global Institute
What changes in
day-to-day underwriting
SANDY stabilizes intake before underwriting decisions are made.
Context is assembled automatically
Relevant facts from the case file are brought together at the moment of inquiry.
Reasoning becomes easier
Underwriters engage with synthesized context instead of raw inputs.
Judgment remains human
SANDY supports thinking—it does not make or execute decisions.
What SANDY is designed
to measure
SANDY applies large‑language‑model reasoning within the boundaries of a specific case file.
Where SANDY fits
SANDY operates alongside the underwriter—within the decision boundaries governed by ARGEN and informed by Mark and SIA.
Reasoning across submissions, enrichment data, and guidelines simultaneously
Contextual answers tailored to the current case
On‑demand synthesis of complex or conditional information
Clarification of underwriting guidance in context
Underwriting is a reasoning task, not a retrieval problem. SANDY brings context together—so judgment stays deliberate.
Support complex decisions without diluting accountability.
Evaluate SANDY in your
underwriting workflow
See how SANDY fits into your existing submission and underwriting process.
Explore the Persisto suite
Underwriting intent is often documented—but rarely enforced consistently at decision time.
