Manually Creating and Editing Underwriting AI Rules

Prerequisites

• Role: Team Owner or Admin with UnderwritingAI access permissions

• Feature: UnderwritingAI must be enabled for your team

• Setup: At least one carrier and rule set created (see UnderwritingAI Setup Guide)

Understanding rule sets and rules

Before creating rules, it's helpful to understand the structure:

• Carrier: The insurance company (e.g., Acme Insurance)

• Rule Set: A collection of rules for a specific product and state (e.g., Home - California)

• Rule: Individual eligibility criteria within a rule set (e.g., "Age Restriction" or "High Risk Location")

Access underwriting rules

1. From the main navigation, click Settings from the agency dropdown

2. Navigate to UnderwritingAI (or visit directly at app.riskadvisor.insure/underwriting/carriers)

3. Click on a carrier name or the eye icon to view carrier details

4. Switch to the Rule Sets tab

5. Click on a rule set card to view its rules

Expected result: You'll see a list of rules with columns showing Name, Category, Conditions preview, Eligibility, and action buttons (Edit, Delete, Duplicate).

Create a custom rule

Step 1: Open the rule creation modal

1. In your rule set detail view, ensure you're on the Rules tab

2. Click Add New Rule (plus icon button)

Expected result: A modal titled "Add New Rule" appears with empty form fields.

Step 2: Configure basic rule information

1. Enter a descriptive Rule Name (e.g., "High Risk Location" or "Pool Age Restriction")

2. Select a Category from the dropdown:

   • Underwriting Criteria

   • Eligibility Factors

   • Geographic

   • Property Characteristics

   • Or other available categories

3. Optionally add a Description to explain the rule's purpose

Step 3: Build rule conditions

The When... section lets you define the criteria that trigger this rule.

1. Click Add Condition (plus button)

2. Select a Field from the dropdown (grouped by category):

   • Demographics (Age, Occupation, etc.)

   • Client & Co-Client Information

   • Property (Construction Type, Year Built, etc.)

   • Occupancy Information

   • Location (State, County, Zip Code, etc.)

   • Coverage details

   • Policy Form

   • Prior Losses

   • Business Exposures

3. Choose an Operator (the available options change based on field type):

   • Numeric fields: equals (==), not equals (!=), greater than (>), less than (<), greater than or equal (>=), less than or equal (<=), between

   • Text fields: equals, not equals, contains, does not contain, starts with, ends with

   • Lists: in, not in

   • Boolean: is true, is false

4. Enter the Value (input type adapts to the field):

   • Numbers: Text input or slider for ranges

   • Text: Text input field

   • Lists: Multi-select dropdown or tag input (type value and press Enter)

   • Between operator: Shows two fields for min and max values

Example condition: Field: "Age" | Operator: "greater than" | Value: "65"

Step 4: Add multiple conditions (optional)

To create more complex rules with multiple criteria:

1. Click Add Condition again to add another criterion

2. Choose your logic operator:

   • AND (all conditions must be true): All conditions must match for the rule to trigger

   • OR (any condition can be true): The rule triggers if any condition matches

3. Build additional conditions using the same process

Example multi-condition rule: "Pool Age Restriction" Condition 1: Field: "Has Pool" | Operator: "is true" | Value: (checked) Logic: AND Condition 2: Field: "Pool Age" | Operator: "greater than" | Value: "15" Result: This rule triggers only when a property has a pool AND the pool is older than 15 years.

Step 5: Set eligibility outcome

In the Then... section, define what happens when conditions are met:

1. Select Eligibility Result:

   • Ineligible: Carrier shows as ineligible on RiskProfiles

   • See Notes: Carrier shows with a warning; requires manual review

2. If you selected "See Notes," the Notes field becomes required (marked with red asterisk)

3. Enter notes to explain the concern or provide guidance (e.g., "Refer to manual review for pool age exceptions" or "Contact underwriting for approval")

Step 6: Create the rule

1. Review your rule configuration

2. Click Create Rule

Expected result: The modal closes, a success toast appears ("Rule created successfully"), and your new rule appears in the rules table.

Edit existing rules

You can modify both AI-extracted rules and manually created rules.

Edit a rule

1. In the rules table, locate the rule you want to modify

2. Click the Edit icon (pencil) in the Actions column

3. The rule modal opens with all current settings pre-filled

4. Make your changes to any field:

   • Update the rule name or category

   • Modify existing conditions (change operators, values)

   • Add or remove conditions

   • Change the eligibility result or notes

5. Click Update Rule

Expected result: The modal closes, a success toast appears, and the rule table refreshes with your changes.

Duplicate a rule

Duplicating is useful when creating similar rules with small variations:

1. Click the Duplicate icon next to the rule you want to copy

2. A new rule modal opens with all settings copied from the original

3. The name is automatically prefixed with "Copy of [Original Name]"

4. Modify the duplicated rule as needed

5. Click Create Rule

Expected result: A new rule appears in your table with your modifications, while the original remains unchanged.

Delete a rule

1. Click the Delete icon (trash can) next to the rule

2. Confirm the deletion in the popup: "Are you sure you want to delete this rule?"

3. Click Confirm

Expected result: The rule is permanently removed from the table.

Advanced rule building tips

Using the "between" operator for ranges

For numeric fields, the "between" operator is ideal for defining acceptable ranges:

• Example: Field: "Property Age" | Operator: "between" | Min: 0 | Max: 40

• Triggers when: Property age is between 0 and 40 years (inclusive)

• Use case: "Ineligible if property age is NOT between 0-40" → Use "not between" or structure as "Property Age > 40"

Text matching strategies

• "contains": Flexible matching (e.g., "contains 'CA'" matches "California", "CALIFORNIA", "ca")

• "equals": Exact match only (e.g., "equals 'CA'" only matches exactly "CA")

• "in" for lists: Match against multiple values (e.g., Field: "State" | Operator: "in" | Values: "CA, NY, FL")

Combining multiple conditions effectively

AND logic example: "High-value property in high-risk area" • Property Value > $1,000,000 AND • Location contains "Wildfire Zone" Both conditions must be true to trigger

OR logic example: "Unacceptable dog breeds" • Dog Breed equals "Pit Bull" OR • Dog Breed equals "Rottweiler" OR • Dog Breed equals "Doberman" Any one condition triggers the rule

Getting help

If you encounter issues with rule creation or editing:

1. Note the specific rule name and conditions you're trying to create

2. Take a screenshot of any error messages

3. Identify which carrier and rule set you're working with

4. Contact support via the in-app chat or the Slack beta group

Related Content

• Learn how to upload carrier documents for AI extraction

• Review the complete UnderwritingAI Setup Guide