Device Insurance Underwriting Automation

Build an intelligent underwriting workflow that automatically processes device insurance applications, validates eligibility, calculates risk tiers, and generates quotes—reducing underwriting time from 45 minutes to 6 minutes per application.

What You'll Build

An automated underwriting system that:

✅ Collects structured device and customer information
✅ Validates eligibility against your internal policies
✅ Calculates risk tiers and personalized pricing
✅ Generates professional quote documents
✅ Handles 90% of applications automatically
✅ Flags edge cases for human review

Time to build: 2-3 hours Difficulty: Intermediate Best for: Insurance providers, warranty companies, device protection programs

Use Case Scenarios

Scenario 1: Standard Device Application

Customer submits: iPhone 15 Pro, 6 months old, proof of purchase Workflow: Validates device → Checks eligibility → Tier 2 (medium risk) → $12.99/month → Sends quote

Scenario 2: High-Risk Device

Customer submits: Samsung Galaxy S24, refurbished, 18 months old Workflow: Validates device → Higher risk tier → $19.99/month → Flags for manual review due to refurb status

Scenario 3: Ineligible Application

Customer submits: iPhone 11, 4 years old Workflow: Checks eligibility → Device too old → Automated rejection email with explanation

Implementation

Step 1: Set Up Data Collection

Create a new workflow named "Device Insurance Underwriting"
Add a Starter Block with structured inputs:

Device Information:
- Device Type (dropdown: Smartphone, Tablet, Laptop, Smartwatch)
- Brand (text)
- Model (text)
- Serial Number (text)
- Purchase Date (date)
- Device Condition (dropdown: New, Like New, Good, Fair, Refurbished)
- Purchase Price (number)

Customer Information:
- Full Name (text)
- Email (email)
- Phone (phone)
- Address (text)

Proof of Purchase:
- Receipt/Invoice (file upload)

Configure trigger:
- Trigger type: Webhook or Form Submission
- This allows customers/agents to submit applications via API or embedded form

Step 2: Build Eligibility Validation

Add an Agent Block for eligibility checking

Configure:

Model: Claude 3.7 Sonnet (good at rule following)

System Prompt:
"You are an insurance eligibility validator. Check the following device against our eligibility rules:

ELIGIBILITY RULES:
- Smartphones: Must be less than 3 years old
- Tablets: Must be less than 4 years old
- Laptops: Must be less than 5 years old
- Smartwatches: Must be less than 2 years old

EXCLUDED CONDITIONS:
- No refurbished devices over 1 year old
- No devices with cracked screens (check condition field)
- No devices purchased outside authorized retailers

DEVICE DATA:
Type: <start.device_type>
Brand: <start.brand>
Model: <start.model>
Purchase Date: <start.purchase_date>
Condition: <start.device_condition>

OUTPUT FORMAT (JSON):
{
  'eligible': true/false,
  'reason': 'explanation if rejected',
  'risk_factors': ['list of concerns']
}"

Add Tools to the agent:
- Thinking - for complex eligibility logic
- Knowledge Base (optional) - for device specifications database

Step 3: Calculate Risk Tier & Pricing

Add another Agent Block for risk calculation

Configure:

Model: Claude 3.7 Sonnet

System Prompt:
"You are an insurance risk calculator. Categorize the device into a risk tier and calculate pricing.

RISK TIER LOGIC:

TIER 1 (Low Risk) - $8.99/month:
- New or Like New condition
- Less than 1 year old
- Premium brands (Apple, Samsung flagship)
- Original purchase proof

TIER 2 (Medium Risk) - $12.99/month:
- Good condition
- 1-2 years old
- Mid-range brands

TIER 3 (High Risk) - $19.99/month:
- Fair condition
- 2-3 years old
- Budget brands or refurbished

DEVICE DATA:
Type: <start.device_type>
Brand: <start.brand>
Model: <start.model>
Age: <calculate from purchase_date>
Condition: <start.device_condition>
Purchase Price: <start.purchase_price>

OUTPUT FORMAT (JSON):
{
  'risk_tier': 1/2/3,
  'monthly_premium': dollar amount,
  'coverage_limit': dollar amount (80% of purchase price),
  'deductible': dollar amount,
  'rationale': 'brief explanation'
}"

Step 4: Add Edge Case Handling

Add a Condition Block after eligibility check

Configure conditions:

// Route to human review if:
<eligibility_agent.eligible> === false ||
<eligibility_agent.risk_factors>.length > 2 ||
<start.device_condition> === 'Refurbished' ||
<start.purchase_price> > 2000

If condition is true:
- Add Mail Tool to notify underwriting team
- Send email with all application details for manual review

Step 5: Generate Quote Document

Add an Agent Block for quote generation

Configure:

Model: Claude 3.7 Sonnet

System Prompt:
"Generate a professional insurance quote document.

CUSTOMER INFO:
Name: <start.full_name>
Email: <start.email>
Phone: <start.phone>

DEVICE INFO:
Device: <start.brand> <start.model>
Serial: <start.serial_number>
Condition: <start.device_condition>

COVERAGE DETAILS:
Risk Tier: <risk_agent.risk_tier>
Monthly Premium: <risk_agent.monthly_premium>
Coverage Limit: <risk_agent.coverage_limit>
Deductible: <risk_agent.deductible>

POLICY TERMS:
- Coverage starts: 48 hours after payment
- Claims process: File online or call support
- Coverage includes: Accidental damage, theft, mechanical breakdown
- Exclusions: Loss, cosmetic damage, intentional damage

OUTPUT:
Generate a clear, professional quote summary in HTML format suitable for email."

Step 6: Send Quote to Customer

Add Mail Tool (or Gmail Tool if using Gmail)

Configure email:

To: <start.email>
Subject: Your Device Insurance Quote - <start.brand> <start.model>

Body: <quote_generator.content>

Attachments (optional):
- Policy terms PDF
- Coverage details

Add Response Block to return confirmation:

{
  "status": "success",
  "quote_sent": true,
  "monthly_premium": "<risk_agent.monthly_premium>",
  "next_steps": "Check your email for the full quote details"
}

Workflow Diagram

[Customer Submits Application]
         ↓
[Validate Eligibility] → [Rejected?] → [Send Rejection Email]
         ↓                                        ↓
[Calculate Risk Tier]                      [END]
         ↓
[Edge Case?] → [Yes] → [Notify Underwriter for Manual Review]
         ↓                                        ↓
       [No]                                  [END]
         ↓
[Generate Quote Document]
         ↓
[Send Quote Email to Customer]
         ↓
[Log to Database/CRM]
         ↓
[END - Quote Delivered]

Advanced Enhancements

1. Proof of Purchase Validation

Add Vision Tool to verify receipt/invoice:

Extract purchase date and device details from uploaded image
Verify they match customer-entered information
Flag discrepancies for manual review

2. Device Database Integration

Add API Tool to query device specifications:

Fetch official device specs (release date, MSRP, repair costs)
Use real-time market data for more accurate risk assessment
Auto-populate device details from serial number

3. Customer History Check

Add Database Tool (Supabase/MongoDB):

Check if customer has existing policies
Review claims history
Offer loyalty discounts for repeat customers

4. Automated Follow-Up

Add Scheduler for follow-up emails:

Remind customers who didn't complete application (48 hours)
Follow up on quotes that weren't accepted (1 week)
Send renewal reminders (1 month before expiration)

5. Analytics Dashboard

Add Logging to track:

Application volume by device type
Approval/rejection rates
Average quote value
Time saved vs manual underwriting

Testing Your Workflow

Test Case 1: Eligible Device

{
  "device_type": "Smartphone",
  "brand": "Apple",
  "model": "iPhone 15 Pro",
  "serial_number": "ABC123456789",
  "purchase_date": "2024-06-01",
  "device_condition": "Like New",
  "purchase_price": 1199,
  "full_name": "John Doe",
  "email": "john@example.com",
  "phone": "+1-555-0123"
}

Expected Result: Tier 1, $8.99/month quote sent

Test Case 2: Edge Case (High Value)

{
  "device_type": "Laptop",
  "brand": "Apple",
  "model": "MacBook Pro 16-inch M3",
  "purchase_date": "2024-01-15",
  "device_condition": "New",
  "purchase_price": 3499,
  ...
}

Expected Result: Flagged for manual review due to high value

Test Case 3: Ineligible (Too Old)

{
  "device_type": "Smartphone",
  "brand": "Samsung",
  "model": "Galaxy S10",
  "purchase_date": "2019-03-01",
  "device_condition": "Good",
  "purchase_price": 899,
  ...
}

Expected Result: Rejected, device too old

Deployment Checklist

Test all eligibility rules with sample data
Verify email delivery and formatting
Set up database logging for applications
Configure error handling for edge cases
Train underwriting team on manual review process
Set up monitoring for workflow failures
Create customer-facing form (if using webhook trigger)
Document internal eligibility rules for future updates

Compliance & Security Notes

Data Privacy: Customer data should be encrypted at rest and in transit
Document Retention: Store proof of purchase for regulatory compliance
Audit Trail: Log all underwriting decisions with timestamps
Access Control: Restrict workflow editing to authorized personnel only
Rate Limiting: Implement to prevent application spam/abuse

ROI Metrics

Track these metrics to measure automation impact:

Metric	Before	After	Improvement
Avg. underwriting time	45 min	6 min	87% reduction
Applications per day	20	150	7.5x increase
Pricing errors	15-20%	<1%	99%+ accuracy
Customer wait time	2-3 days	Minutes	3x faster
Manual review rate	100%	10%	90% automation

Next Steps

Customize eligibility rules to match your specific policies
Add your pricing formulas (we used simple examples above)
Design your quote template with your branding
Integrate with your CRM/database for customer management
Test thoroughly with real historical applications
Train your team on the new workflow and edge case handling

Need Help?

Documentation: See Agent Blocks, Condition Blocks
Templates: Browse more use case templates
Support: Contact our team for implementation assistance

Ready to eliminate manual underwriting bottlenecks? Start building this workflow in Klyntos today.

What You'll Build​

Use Case Scenarios​

Scenario 1: Standard Device Application​

Scenario 2: High-Risk Device​

Scenario 3: Ineligible Application​

Implementation​

Step 1: Set Up Data Collection​

Step 2: Build Eligibility Validation​

Step 3: Calculate Risk Tier & Pricing​

Step 4: Add Edge Case Handling​

Step 5: Generate Quote Document​

Step 6: Send Quote to Customer​

Workflow Diagram​

Advanced Enhancements​

1. Proof of Purchase Validation​

2. Device Database Integration​

3. Customer History Check​

4. Automated Follow-Up​

5. Analytics Dashboard​

Testing Your Workflow​

Test Case 1: Eligible Device​

Test Case 2: Edge Case (High Value)​

Test Case 3: Ineligible (Too Old)​

Deployment Checklist​

Compliance & Security Notes​

ROI Metrics​

Next Steps​

Need Help?​

What You'll Build

Use Case Scenarios

Scenario 1: Standard Device Application

Scenario 2: High-Risk Device

Scenario 3: Ineligible Application

Implementation

Step 1: Set Up Data Collection

Step 2: Build Eligibility Validation

Step 3: Calculate Risk Tier & Pricing

Step 4: Add Edge Case Handling

Step 5: Generate Quote Document

Step 6: Send Quote to Customer

Workflow Diagram

Advanced Enhancements

1. Proof of Purchase Validation

2. Device Database Integration

3. Customer History Check

4. Automated Follow-Up

5. Analytics Dashboard

Testing Your Workflow

Test Case 1: Eligible Device

Test Case 2: Edge Case (High Value)

Test Case 3: Ineligible (Too Old)

Deployment Checklist

Compliance & Security Notes

ROI Metrics

Next Steps

Need Help?