Automated Underwriting Pipeline

osop_version: "1.0"
id: "underwriting-pipeline"
name: "Automated Underwriting Pipeline"
description: "Application flows through risk scoring, actuarial modeling, and pricing with human review for edge cases."

nodes:
  - id: "intake"
    type: "agent"
    subtype: "worker"
    name: "Application Intake Agent"
    description: "Parse application form, validate fields, enrich with third-party data."

  - id: "risk_score"
    type: "agent"
    subtype: "llm"
    name: "Risk Scoring Agent"
    description: "Compute risk score from applicant profile, claims history, and credit data."

  - id: "actuarial_model"
    type: "agent"
    subtype: "llm"
    name: "Actuarial Model Agent"
    description: "Apply loss ratio models and mortality/morbidity tables to compute expected loss."

  - id: "policy_pricing"
    type: "agent"
    subtype: "llm"
    name: "Policy Pricing Agent"
    description: "Set premium based on risk score, expected loss, and competitive positioning."

  - id: "human_review"
    type: "human"
    subtype: "review"
    name: "Underwriter Review"
    description: "Senior underwriter reviews edge cases where risk score is borderline."
    security:
      approval_gate: true

edges:
  - from: "intake"
    to: "risk_score"
    mode: "sequential"
  - from: "risk_score"
    to: "actuarial_model"
    mode: "sequential"
  - from: "actuarial_model"
    to: "policy_pricing"
    mode: "sequential"
  - from: "policy_pricing"
    to: "human_review"
    mode: "conditional"
    when: "risk_score.category == 'borderline'"
  - from: "risk_score"
    to: "human_review"
    mode: "conditional"
    when: "risk_score.flags.length > 0"
    label: "Flagged applications skip to human"