Case Study: Mercury Insurance achieves faster, more agile underwriting and empowers underwriters with FICO Decision Management Suite

Leading insurer “democratizes” its decisioning platform for insurance underwriting

Mercury Insurance, a leading independent-agency writer of auto and home policies, needed to speed underwriting decisions for the independent agents who drive most of its sales. Underwriting relied on hundreds of evolving business rules and required frequent updates from subject-matter underwriters who weren’t IT specialists, so Mercury set out to “democratize” decisioning so business users could author and refine rules directly.

Mercury integrated FICO® Decision Management Suite (including Decision Modeler) with its Guidewire platform, rolling out rules in manageable chunks and enabling underwriters to maintain and test rules themselves. The result: a sharp increase in automated decisions and straight-through processing, faster turnaround (decision time cut by more than half), higher underwriter productivity, and replacement of hundreds of rules within six months—improving agent experience without disrupting IT.

Mercury Insurance

Kevin Bailey

Director of Underwriting Research and Innovation