# medml\.ai

> The first automated underwriting platform built by actuaries for underwriters — delivering real\-time risk assessment in seconds\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Austin, TX, USA |
| Founded | 2021 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Seed |

## Overview

medml.ai is an AI-powered automated underwriting platform designed by actuaries for underwriters. The company combines advanced actuarial science with cutting-edge artificial intelligence, machine learning, large language models (LLMs), Agentic AI, and Generative AI to transform insurance underwriting processes. The platform enables insurers and reinsurers to accelerate commercial and group underwriting, improve accuracy, and close deals faster.

Founded in 2021 by Niti Jain, an actuary with experience at UnitedHealth Group and AXA, medml.ai addresses a core industry pain point: payers struggle to speed up their decisions in pricing, underwriting, and claims adjudication. The platform delivers instant, AI-driven risk decisions, reducing manual systems by 90% and enabling underwriters to handle 5x more daily quote submissions.

Since launch, medml.ai has established a strong presence across the US, Gulf region, and Latin America, serving leading insurers, reinsurers, and MGUs worldwide. The company is part of the Microsoft Founders Hub and exhibited at ITC Vegas 2024.

## Products & services

### Automated Underwriting Platform

The core platform uses multiple layers of actuarial models, AI, ML, and LLMs to instantly analyze risk and calculate optimal pricing for group insurance and commercial underwriting.

**Key features:**

- Automatic data extraction from broker slips, RFQs, and claims data
- Automated adjustments using actuarial models with flexibility for expert overrides
- Real\-time tracking of pricing assumptions and portfolio impact
- Fully integrated ecosystem for managing all quotations from one platform
- Multi\-line capability for quoting large and complex schemes
- Multi\-lingual support \(English, Arabic, Spanish\)

*Target users:* Underwriters at carriers, reinsurers, MGAs, MGUs, and TPAs

### Genie \(Generative AI\)

A generative AI module integrated into the platform for enhanced underwriting intelligence and decision support.

*Target users:* Underwriters seeking AI\-assisted decision\-making

### AI\-Powered Claims Solution

An AI-powered claims processing solution designed for health and life insurers, enabling faster payouts, reduced costs, and enhanced customer satisfaction.

**Key features:**

- Pre and post payment FWAE \(Fraud, Waste, Abuse, and Error\) identification
- Real\-time claims data integration with underwriting
- Automated claims adjudication workflows

*Target users:* Health and life insurance claims teams

## Category & focus

- Subcategories: Automated underwriting, AI\-powered pricing, group underwriting
- Insurance verticals: Life & Annuity, P&C Commercial, Health, Group Benefits
- Target customers: Carriers, Reinsurers, MGAs/MGUs, TPAs

## Notable customers

- United States
- Gulf region \(including Qatar\)
- Latin America

## Links

- Website: <https://medml.ai>
- Directory profile: <https://insurtechlist.com/companies/medml/>
- Linkedin: <https://www.linkedin.com/company/medml>
- Demo/contact: <https://medml.ai>

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*Last updated: 2026\-05\-12*