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Driving the digital underwriting revolution with GenAI

With REALYTIX ZERO you can build, distribute and scale digital insurance products like never before! – Now with even more capabilities by using the generative AI driven feature CoPilot. For primary insurers, brokers and MGAs, this means a big step forward in automation, a faster time-to-market and a quicker path to profitability.

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    What is REALYTIX ZERO?

    How underwriting automation works with REALYTIX ZERO

    REALYTIX ZERO is a cloud-based, automated underwriting platform developed by Munich Re, which drives the digitization and automation of the underwriting process for primary insurers, brokers and MGAs. REALYTIX ZERO can be used to digitally configure new insurance products as well as to change or adopt existing ones. The no-code/low-code approach leads to significant time, cost and resource savings. Furthermore, REALYTIX ZERO includes extensive reporting and analytics tools for portfolio management.

    Re/insurance. Analytics. Zero Code. Zero Effort: REALYTIX ZERO.

    REALYTIX ZERO CoPilot: From prompt to product

    With REALYTIX ZERO’s new CoPilot, you can harness the power of generative AI and large language models to design, build and adapt products even faster. Using natural language prompts, the CoPilot can suggest, design and help you construct key aspects of your product design and digital delivery even quicker. This ground-breaking capability allows you to close the gap from idea to ideation.

    The REALYTIX ZERO CoPilot enables you to

    • change and adopt insurance products extremely fast
    • build completely new insurance products from scratch
    • understand already implemented product logic and premium calculation
    • improve insurance products using the conversational capabilities

    We’ve opened the REALYTIX ZERO CoPilot machine room for you. Get an impression how enormously fast insurance products can be designed or adjusted.

    Incidentally, presenting the CoPilot at ITC DIA in Barcelona 2023 earned the REALYTIX ZERO team a coveted DIAmond Award.


    The benefits of REALYTIX ZERO at a glance

    Speed up time to market

    Embrace the power of our API capabilities

    Reduce costs and increase efficiency

    Leverage Munich Re expertise

    Significantly reduce time to market - to just days or weeks - thanks to our unique self-configuration capabilities, the use of generative AI driven functions and a no-code/low-code platform, which enable to implement, adapt and scale products very quickly.
    Integrate easily with existing systems and multiple external data sources or modules (such as AI or machine learning algorithms) at any point in the underwriting process - with a plug-and-play approach.
    Start using our platform without the need for expensive and time-consuming in-house development or reliance on legacy technology. REALYTIX ZERO saves you time, money and resources.
    Get access to the power of Munich Re's analytics and more than 140 years of extensive underwriting and pricing experience to ensure informed underwriting and pricing decisions.

    How REALYTIX ZERO makes your life easier

    For Underwriting Experts... 

    For Product Owners...

    For Business Managers...

    Underwriting Experts
    © Prostock-studio /
    Product Owners
    © Prostock-studio /
    Business Managers
    © Prostock-studio /
    REALYTIX ZERO streamlines the process of creating insurance products that can be distributed and made available to any distribution channel. 
    REALYTIX ZERO is the most flexible and efficient solution that allows you to quickly launch products and adapt to changing market conditions by using data-driven insights. 
    REALYTIX ZERO is the best solution to take your business to the next level. It leads to faster processing times, improves accuracy and increases efficiency. It enables better risk assessment, improves your customer experience and reduces your costs. 

    What our clients say about REALYTIX ZERO

    "With REALYTIX ZERO’s unique self-configuration capabilities we are able to customize and adjust our Commercial Cyber insurance products really fast – in a couple of days only instead of months."

    Alexander Schudra
    ERGO Versicherung AG
    Head of Cyber

    Already using REALYTIX ZERO

    Chedid Re
    donau - Vienna Insurance Group
    Hansekuranz Underwriting
    Sura Seguros
    Unnio Seguros Generales

    Would you like to know more about the revolutionary power of REALYTIX ZERO? Contact us!

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    Automated underwriting is a process that uses technology, automation, algorithms, and artificial intelligence instead of human beings to analyze a client’s risk in real-time. It has become an ally to provide insurance products to clients with a fully digital customer experience, filling the gap between risk assessment processes and the new clients´ demands. 

    Manual underwriting is a process that depends on a person to assess risks, also requires numerous information from the client about the risk itself, and involves lots of paperwork and time. Once the client can provide the underwriter with the required information, the underwriter then needs to assess the potential risk to provide an insurance quotation to the client.

    While manual underwriting can be an attractive option for complicated risks, in many cases it involves a drain on time and resources. On the contrary, automated underwriting is completed fast and in real-time using advanced algorithms and software in order to assess a client´s risk. 

    An automated underwriting system is a platform that delivers advanced analytical modeling and predictive capabilities directly into existing and new business processes. Insurers can make better-informed and fairer underwriting decisions more quickly by reducing the number of questions asked and information required, therefore improving overall claims conversion. It also empowers insurers to improve objective risk analysis, leveraging the agnostic detection of patterns and connections in application responses that would typically be time-consuming and hard to identify only with the human eye.

    An automated underwriting system speeds up the customer journey allowing insurance carriers to provide insurance products just with the click of a button.