Every number, traced to its source.
Rytera reads the submission, pulls external data, runs the numbers against your state-filed rate manual, and hands you a decision-ready memo — every figure linked back to the page it came from. Nothing is collected for its own sake. It's read so you can decide.
Zero invented rates. A licensed underwriter still signs.
Seamlessly connecting with your core systems, rate filings, and external data oracles.
One Workbench · 12 Sections
All Your Lines, on One Workbench
Commercial, life, health, personal, specialty, admitted & reinsurance, engineering, aviation, crime, catastrophe, niche liability, and surety — plus mortgage and lending desks. Same workbench, same paper trail, same queue, same shared underwriting logic. Pick the carrier or product, drop the file, and underwrite.
Insurance sections · 1–6
01 Life Term priced from your filed manual today; permanent and annuity wait on their rate tables. 7 products 02 Health Individual through disability — medical, critical illness, disability. ACA and state mandates applied. 8 products 03 Personal Lines Motor, home, travel, marine, fire, cyber — visible coverage, honest pricing, no invented premium. 7 products 04 Commercial Lines Property & business interruption with COPE scoring, plus D&O, E&O, workers’ comp and package. 6 products 05 Specialty Lines Crop, livestock, pet, events, title, mortgage guarantee. 6 products 06 Admitted, Surplus & Re Admitted vs surplus-lines routing, reinsurance treaties and fronting arrangements. 4 productsInsurance sections · 7–12
07 Engineering & Construction Contractors’ all risk, erection, machinery breakdown, delay in start-up, tied to project schedules. 5 products 08 Aviation Hull, liability and passenger exposure for fixed- and rotary-wing aircraft. 3 products 09 Crime: Fidelity & Burglary Employee dishonesty and third-party theft covers, with ERISA fidelity where plans apply. 2 products 10 Catastrophe Flood, earthquake and weather-index covers with honest CAT data and parametric triggers. 3 products 11 Excess & Niche Liability Umbrella, pollution, K&R, political risk and terrorism routing. 5 products 12 Warranty, Surety & Emerging Surety bonds, credit life, gadget, micro-insurance, UBI and personal cyber. 11 productsSeparate verticals
· Mortgage desk Income, assets and collateral across 30+ document types. TRID, Reg Z and HMDA rules built in. · Lending desk Consumer and commercial loans with Reg B / ECOA equal-credit checks and a written adverse-action reason.No sections match “”. Try a different word, or browse everything.
Controls, Intake, and a Paper Trail You Can Defend
Production Underwriting Needs More Than a Model Score
Who decides, names coming off, how files arrive, how the queue is sorted, and a pack an examiner can read — those are the product. Not extras.
Governance
Human-in-the-loop by design
- Licensed underwriter signs every bind-ready memo
- Authority matrix limits who can sign what size of risk
- Referral queue for files that need a human before bind
- Practice mode blocks policy issue until you cut over
Privacy
Names come off first
- SSN, tax ID, and DOB stripped before any AI sees the page
- Underwriters still view the full, real submission
- De-identified facts only in model context
Intake
Meet the file where it lives
- Email, cloud folder, secure drop, or local watch folder
- SharePoint, Drive, IVANS — wait until you contract them
- One Connect & pull hub across insurance, mortgage, lending
Operations
The queue, sorted
- Ranked by appetite fit, severity, and premium at risk
- Renewals and large accounts rise before routine traffic
- Not whoever emailed last
Compliance
A sealed exam pack
- Locked zip: every decision, override, and oracle check
- SHA-256 manifest — nothing quietly rewritten
- Reconstructible years later for market-conduct exams
Outside Data
Real claim history — or a flag
- Prior claims, workers-comp, catastrophe when connected
- Missing accounts become a finding, not a green screen
- Never a fabricated clean loss run
Reliability
Jobs that survive a restart
- Work persisted — not held only in memory
- Restart does not silently lose the file you were in
- Queue state survives deploys and failovers
Renewals
Renewal & premium audit
- Pre-renewal tracking and loss feedback loops
- Premium audit hooks for payroll and exposure drift
- Book health between cycles, not only at bind
Portfolio
The book, not only the file
- Concentration by geography, class, and limit
- Top lines of business vs appetite
- Market-cycle context on large accounts
Model Intelligence
AI quality, watched
- Speed, quality, and cost tracked per job
- Quality drop triggers refer — not silent memo churn
- Token spend visible on every language-model step
State Regulatory Engine
Filed rules, not suggestions
- State-filed rate manuals and SERFF schedules loaded directly
- Rate derivation is deterministic — zero synthetic pricing
- Compliance limits, class prohibitions, and statutory rules in code
How it works
From Messy Documents to a Decision You Can Sign
Click each stage to see how Rytera turns a submission into a decision: Sort the queue ranks files by appetite and severity, Check & Price verifies math and rates from your manuals, and You Decide prepares a recommendation ready for licensed sign-off.
Continuous Innovation
What We Ship This Week
Underwriting technology moves fast. We ship weekly refinements to handle the real-world friction underwriters face every day — messy documents, forensic photo checks, and cross-file discrepancies.
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01
Weekly Shipping
Multi-Format Ingestion
Native parsing for complex broker spreadsheets, multi-tab schedules of values (SOVs), Word slips, and scanned loss-run tables with zero data loss.
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02
Weekly Shipping
Cross-Field Math Reconciliation
Automated checks ensure payroll matches headcount, asset values match square footage, and loss-run totals equal detailed claim listings.
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03
Weekly Shipping
Photo & Forensic Analysis
EXIF camera verification and Error Level Analysis (ELA) flag altered inspection photos or stripped metadata before property risk is rated.
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04
Core Engine
Adaptive Appetite Filters
Instant pre-filtering matches incoming submissions against your carrier guidelines, routing out-of-appetite files in seconds.
Knowledge Reference
The Underwriting & AI Governance Reference
Clear, professional definitions for core insurance, mortgage, lending, and AI governance terminology. Search below or open the full interactive dictionary.
From the desk
They got their judgment back.
Tried on real files in practice shadow mode. Nothing went live until underwriting approved.
I stopped opening shared drives at night. The queue already knew which file needed me. I underwrote. I didn’t hunt. Cycle time on our trucking book dropped from days to hours.
When exam season used to mean assembling packs for days, now I hand them the trail. Every number has a home in the file. Our last market-conduct review walked out in an afternoon.
We proved it on our own book without touching live policies. Trust first. Then we bought. Now we just tell producers to Rytera the renewal — the hours came back. Same team, roughly twice the capacity.
“Predicting rain doesn't count. Building arks does.”
See it on your file
Thirty minutes with a real submission.
Bring one messy broker pack. We run it in practice mode — nothing binds until you say so. You still sign. We show you the memo, the math, and the paper trail.
Prefer email? hello@ryterainc.com