LIVE INTERACTIVE DEMO

Underwrite in 30 sec. Catch 80% more fraud.

Insurer back-office in a box. Application review · risk scoring on YOUR actuarial model · policy issuance · claim adjudication with photo damage estimate · fraud detection via metadata + reverse-image + network analysis.

30 sec
Policy issuance
+80%
Fraud caught
94%
STP rate
See the journey
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Underwriting is slow. Claims get gamed. Both burn margin.

Underwriters re-key data from broker submissions. Claims adjusters miss fraud rings. Both processes are stuck in workflows from 2005, while losses creep up.

Without Mukh.1

The insurer back-office grind

  • Re-keying broker submissions into core system
  • Risk scoring done manually · book risk drifts
  • Policy issuance: 2-5 days · friction loses brokers
  • Claims adjusters review photos one by one
  • Fraud rings spotted only after 3-4 claims
  • Reinsurance treaty checks done weekly, not real-time
  • Loss ratios climb 2-3 pts/year from soft fraud
→
With Mukh.1

Real-time UW · fraud-aware claims

  • Auto-extract from broker submission · 0 keying
  • YOUR actuarial model (not generic black-box)
  • Policy + IPID + welcome email in 30 seconds
  • Photo-based damage estimate (mid-range repair)
  • Fraud detection: metadata · reverse-image · network analysis
  • Real-time treaty + cession check
  • Loss ratio improvement 2-4 pts in year 1

How it works — every stage interactive.

Scroll to see exactly what happens, end-to-end.

01
AUTO-ENRICHMENT

Application → enriched in 18 seconds

Broker submits motor app. Agent pulls licence registry, Salik tag history, theft index, claims history, write-off records — all before any human touches it.

  • Driver licence registry + claims history
  • Salik tag history (mileage validation)
  • Theft index per make/model · IIB data
  • Write-off / salvage title checks
18 sec enrichmentIA registry · Salik · IIB
app.mukh.one/uw
New motor app · MK-2026-44291 · Mariam K
🆔
Driver: Mariam K · 38F
UAE licence 12 yrs · 0 claims (IA registry)
✓
Clean driving recordMatched federal ID
🚗
2024 Lexus RX450h · AED 285k
Agency-serviced · garage-parked · genuine import
✓
Theft index LOWService records verified
🛣️
Salik history
14,200 km/yr declared · matches actual
✓
No mileage fraud riskPattern: commuter use
⚠
Vehicle write-off check
2024 write-off in DVLA registry · cleared ✓
~
Not salvage titleGenuine import
📍
Geographic risk
Dubai (medium) · Marina (low theft)
✓
Postcode-level riskGarage-parked discount
02
TRY THE FLOW

Underwriting console · live

Tap a button. See the agent run pricing, surface flags, or issue policy. Each step uses YOUR actuarial model.

  • YOUR actuarial model (no generic AI black-box)
  • Real-time treaty + cession check
  • Policy + IPID + welcome email all generated together
<30 sec issuanceBroker portal · Outlook · Email

Mukh Underwriting Console

Broker portal · live

03
CLAIMS · DAMAGE EST

Photo-based damage estimate · in 8 seconds

Customer files claim via app. 14 photos uploaded. Agent assesses damage, recommends workshop, drafts settlement. Adjuster reviews and approves.

  • Trained on 240k claims photos (UAE/GCC)
  • Mid-range repair estimate · genuine vs aftermarket
  • Workshop network recommendations
<10 sec estimateComputer vision + adjuster review
#claims-fasttrack · CL-2026-0087
M
Mukh AIjust now
🚨 New claim · CL-2026-0087 · MK-2026-44291
Incident & damage
Date
22-Apr-2026 14:22 · reported within 90 min
Location
Sheikh Zayed Rd · GPS-verified from photos
AI damage estimate
AED 38,000 · mid-range · genuine parts
Workshop
Lexus Authorized (Al-Habtoor) — recommended
Fraud screen
Photo metadata
GPS matches incident location ✓
Photo timestamps
Align with incident time ✓
Reverse-image
No matches (not staged photos) ✓
Driver claim history
12 mo: 0 claims · clean
Vehicle claim history
12 mo: 0 claims · clean
Network analysis
No fraud-ring connection · clean
Recommendation
Action
APPROVE · fast-track
TPA
Notified · settlement letter drafted
Claim age budget
7 days target (vs benchmark 21)
04
FRAUD NETWORK

See the ring before the third claim

Network analysis links claimants, repairers, witnesses, addresses. Suspicious clusters surface in real time — not after 5 paid-out fraudulent claims.

  • Entity resolution across claims
  • Cluster detection (claimants ↔ repairers ↔ addresses)
  • Auto-flag for special investigations unit
Real-time graphSIU integration · CASE
app.mukh.one/fraud
Adjuster review ✕
Mukh.1 ✓
CAUGHT AT CLAIM 1
Claim 1: Driver A submits. → Network analysis: repairer "Quick Auto Fix" appears in 14 prior claims with unusually similar damage patterns → Address overlap: 2 prior claimants share landlord with Driver A → Auto-flagged to SIU before payout → Investigation reveals 8-person ring · all 3 future claims pre-empted → Saves AED 119,000 in this network alone
Why this works
Networks are detectable from claim 1 — IF you cross-reference repairers, addresses, signatories across claims. Mukh.1 builds the graph automatically.
05
BOOK ANALYTICS

See loss ratio drift before it bites

Real-time dashboards: by product, by broker, by region. Drift in loss ratio surfaces in days, not quarters. Reinsurance treaty utilization tracked automatically.

  • Loss ratio by product / broker / region / channel
  • Treaty cession + auto-bind tracking
  • Pricing model performance vs actuals
Live book viewReinsurance · actuarial · CFO
app.mukh.one/book
Motor book · Q1 2026

AED 84M GWP · LR 62% · combined ratio 91%

On track ✓
GWP Q1
AED 84M (+18% YoY)
Loss ratio
62% (target 65%)
Combined ratio
91% (target 95%)
Fraud caught
AED 2.4M · 14 cases
Insights this quarter
🟢 Premium vehicles segment outperforming book (LR 54% vs 62% avg) — recommend more aggressive pricing for growth
🟡 Broker partner X showing LR drift to 78% · review submission quality
🔴 Sharjah commercial drift +6 pts · investigate · likely repairer collusion (3 cases pending)
✅ Reinsurance auto-bind utilization: 96% · no manual referrals this month

Insurer back-office · faster · sharper · cleaner.

Numbers from Mukh.1 insurance customers (motor, property, life, SME · GCC).

30 sec
Policy issuance
vs 2-5 days manual
+80%
Fraud catch rate
Network + photo + metadata
94%
STP claims
Adjuster reviews exceptions
–3 pts
Loss ratio Yr 1
Across pilot insurers

Connects to your insurance + reinsurance stack

Core insuranceReinsuranceIA registrySalik / Salik-equivIIB indicesComputer visionCASE / SIUWhatsApp Business

Ready to underwrite faster and pay fewer fraud claims?

Plug in your core. We'll run network analysis on your last 90 days of claims — free — and show you the rings.

Book a real demoSee more demos