Your underwriter
Sees the real submission — nothing removed from what they review and sign.
Technology
Rules first. AI last. Always counted.
Most steps are ordinary software (no AI bill). A language model is the last resort, counted, and never used to invent a fact. That is Zero Token Architecture — said simply: we do not pay an AI to do what a rule already can.
Zero Token Architecture
Ordinary software first. AI last. You can measure it.
Most AI underwriting tools send every page to a language model (and pay for it). Rytera asks: can ordinary rules or a trained scorer do this? Most of underwriting can. So you get faster, cheaper, repeatable answers. When a language model is truly needed, the cost is counted and shown on the job. Every word, said simply.
Layer 1
Ordinary rules
Readers, matching numbers, COPE, your rate engine, and compliance rules do everything they can. No AI bill. Same answer twice.
0 AI cost · fully repeatable
Layer 2
Trained scorers
Eight models score loss, fraud, churn, premium, book risk, and default — like a calculator, not a chatbot. No prompt. Same inputs, same output.
0 AI cost · repeatable
Layer 3
A language model — only when needed
Judgment that genuinely needs reading and writing, with a budget per job. Never used to invent a fact code already knows.
counted · reported~90%
of typical pipeline tasks finish without a language model
0
AI cost to read a standard form, price, or match the numbers
0
trained scorers in the model registry
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.
A quiet promise
Private customer details never go to the AI.
Every application includes names, Social Security numbers, tax IDs, and dates of birth. That is normal — and it is sensitive. Two paths, one gate:
The AI
Names and IDs are stripped out before any language model reads a page.
Insurance
Mortgage
Lending
Security & paper trail
Every decision defensible
Locked files, who can see what, and a pack an examiner can read are built in — not bolted on after.
Files stored locked
Each company’s work stays in its own lockbox. Social Security numbers, tax IDs, and dates of birth come off before any AI sees the page.
Who can see what
Only the right people in your company can open a file. Roles are written down. One company cannot see another’s jobs.
A pack for the examiner
Every decision, every change you made, every outside data check ships in a sealed zip. Nobody can quietly rewrite the record.
A person stays in charge
A licensed underwriter signs. Who can sign what size of risk is written down. AI proposes. You dispose. Every change is recorded.
Only the right people see a file
Files stored locked
Names off before AI
Sealed exam packs
No language-model key required
State regulatory engine
State law on every quote — not a footnote
Rytera ships a compliance engine with 50 states + DC, line-specific rules for auto, property, liability, workers’ comp, life, health, cyber, marine, and more. Rate filing method, surplus-lines diligence, tort model, binder rules, and prompt-pay deadlines are checked before a memo goes bind-ready. Regulatory feeds from state DOIs, NAIC, and the Federal Register are polled and surfaced for staff review.
California CDI
- Prior-approval vs use-and-file by line
- Earthquake & wildfire disclosure rules
- Prop 103 rate-intervention context on filings
Texas TDI
- Windstorm & coastal pool routing
- Surplus-lines tax & stamping requirements
- Prompt-pay on claims (statutory days)
New York DFS
- Prior approval on many personal lines
- Free-look & cancellation notice periods
- Surplus-lines diligent-search documentation
Florida OIR
- Hurricane deductible & roof-age rules
- Citizens take-out & depopulation context
- Assignment-of-benefits fraud flags
Workers’ comp multi-state
- Monopolistic state fund states (OH, WA, WY, ND)
- NCCI vs independent bureau class codes
- Experience mod & payroll audit hooks
Live monitoring NAIC + FR
- NAIC model laws & content API changelog
- Federal Register insurance rule notices
- Staff review queue before rules auto-apply
Rate filing: prior approval · file & use · use & file
Surplus lines: diligent search · tax · stamping
Tort: contributory · comparative · no-fault
Health: ACA mandates · state benefit floors
12 lines × 51 jurisdictions
“Risk comes from not knowing what you're doing.”
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