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Cognizant Optima Intake™

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End-to-end underwriting solution suite helps drive efficiency, scalability, speed and flexibility to the commercial underwriting process.


Insurers today are grappling with challenges of slow premium growth, reduced profitability and huge competition pressures. Cognizant Optima Intake™ solution suite brings commercial and specialty insurers and their agents together to effectively submit, evaluate, price and quote risks. The suite’s modular and configurable solution components address key carrier challenges and provide a seamless, end-to-end underwriting experience. The solution components includes:

  • Intake component that automates submission intake (from all document types and formats) and triaging.
  • Price component that allows carriers to onboard and replace spreadsheet raters, models and tools on a cloud-based platform.
  • Quote component that provides underwriting (UW) teams and agents with a workbench to underwrite and quote risks rapidly and accurately.
  • Mobile Risk Engineering Solution that transforms the risk survey experience and empowers risk engineers to perform effective risk consulting in the field.


Cognizant Optima Intake™ business solution supports features that can transform commercial underwriting services and deliver critical business benefits:

Roll Out Products Faster and Enter New Markets With Ease:

Shorten development cycles and improve time to market, allowing commercial and speciality carriers to rapidly roll out new product offerings and enter new markets with ease.

Guided Underwriting:

Built-in and configurable underwriting rules and guidelines, analytics-backed alerts and data-driven insights to aid underwriters in differentiating good risks from bad, driving transparency and pricing consistently.

Configure and Manage Complex Rating & Pricing:

Onboard Excel-based raters and models and accelerate speed to market to roll out and test new pricing models. Modify and track existing models, to stay ahead of competition.

Automate Data Extraction and Validation:

Lower operation costs and reduce turnaround time while improving quality of submissions for agents and carrier underwriting operation teams.

Anytime, Anywhere Access:

Tablet-based access to drive quality, speed, accuracy and productivity in risk consulting operations.

On-Premises or Cloud Hosting:

Solution is hosted on-premises or in the cloud with Amazon Web Services (AWS), or with your preferred private infrastructure deployment option.


Learn more about our suite of solutions:

Transform Your Commercial Underwriting Process

Technology shouldn’t just improve underwriting performance; it should also increase productivity through consistent—and intuitive—tools that span the entire underwriting workflow, from risk assessment to agent engagement.

Configure and Manage Complex Pricing Algorithms

The ability to price a risk quickly, consistently and accurately helps insurers differentiate themselves in the marketplace.

Empower Underwriters and Agents to Quote Rapidly and Accurately

OptimaWrite-Quote helps insurers benefit from process improvements that both save money and also enable faster and better ways to generate revenue.

Automate Submission Intake and Triaging

Cognizant’s OptimaWrite-Intake eliminates the cumbersome manual submission process and streamlines the end-to-end submission intake process for insurers.

Streamlining Submission Intake in Commercial Underwriting for Middle Market Segments

Automated data extraction of submission documents, combined with manual prequalification by support staff, will dramatically improve the quality of data that reaches the underwriter.

Unlocking the Performance Levers of Commercial Underwriting

Equipping underwriters with the right tools can transform the underwriting process and result in significant savings in cost, time and effort.

Cognizant Delivers Submission as a Service for Commercial New Business Submission Intake Process

The combined pressures of a challenging competitive landscape, slow growth in premiums and lower profits mean that insurance businesses need to increasingly consider new ways to improve productivity, enhance revenue growth and guarantee ever-greater customer satisfaction. As a result, there are a number of questions you may be asking yourself about your organization and how it can optimize its activities to prosper in today’s business climate.

Commercial Underwriting Solution—Cognizant Optima Intake™ | Cognizant