Mark the risk.
Decide with data.
One endpoint. A score calibrated by country and line of business. Explainable factors on every response. Markwell is the risk intelligence layer for LATAM insurers.
- · HMAC SHA-256
- · TLS 1.2+
- · Law 8968 / CR
- · p90 < 500ms
Risk score
78
- Clean history
- High-loss region
- Age bracket
Underwriting and claims are still decided blind.
Three friction points that erode margin in every policy cycle.
Manual rules that don't scale
Underwriting depends on inherited criteria and the underwriter's intuition. The result: inconsistent decisions and high loss ratio.
Fraud caught after payout
Anomalous patterns surface after the money is gone. Reactive detection erodes margin and reserves.
Portfolio visibility weeks behind
Exposure and loss-ratio reports arrive late. By then, risk concentration is already a fact.
One URL.
The score and the why.
You send the JSON with the applicant's data, signed with HMAC SHA-256. You get a score from 0 to 100, the risk band, and the factors that explain it with their weight. No webhooks. No state. No surprises at audit time.
Request
X-Signature: t=1716070000, v1=a8b9c…
{
"ramo": "riesgos_trabajo",
"actividad_ciiu": "4520",
"provincia": "Puntarenas",
"edad": 38,
"num_empleados": 45,
"suma_asegurada": 15000000,
"siniestros_previos": 1,
"antiguedad_cliente": 2,
"canal": "agente"
}Response
{
"score": 97,
"nivel_riesgo": "ALTO",
"prima_sugerida": 215000,
"factores": [
{
"label": "Actividad CIIU de alto riesgo laboral",
"impacto": "alto"
},
{
"label": "Puntarenas — zona de riesgo elevado",
"impacto": "alto"
},
{
"label": "1 siniestro previo registrado",
"impacto": "medio"
}
],
"alerta_fraude": false,
"probabilidad": 0.9722,
"tokens_restantes": 99991,
"modelo_version": "2.1.0",
"roc_auc_modelo": 0.8483,
"tenant": "Markwell Demo",
"request_id": "mw_demo_fixed_1778975358.522399"
}One score. Four automated decisions.
Accept, reject, refer.
Score bands → automatic decision on 84% of the pipeline. The remaining 16% reaches the underwriter with context.
Per-applicant rate.
Expected loss adjusts the premium continuously. Goodbye to three flat tiers.
Retain the good risk.
Re-score the book month over month and focus retention spend where LTV justifies it.
Fast track for low risk.
Policies with a high score at issuance go through fast-track handling on minor claims.
Underwrite better.
Pay fewer claims.
Applied to a synthetic portfolio of 10,607 active Workers' Compensation policies, the scoring model identifies the high risk that traditional rules miss. The figures below are projections; real results are calibrated against your historical book.
projected loss-ratio improvement
Applied to a synthetic portfolio of 10,607 active Workers' Compensation policies.
in quote-to-bind
Incremental conversion when the decision on low and mid scores is automated.
in time to policy
p90 from quote to issuance. The score removes 4 manual steps.
p90 latency
Regional edge. Designed to add zero friction to your quoting flow.
Synthetic data representative of the Costa Rican market. Projections, not guaranteed results.
Built for every player in the insurance chain.
Same API, different value depending on where you sit in the policy lifecycle.
Insurers
Raise consistency and reduce loss ratio in mass underwriting.
Insurtechs
Ship digital products with scoring from day one without building a data team.
Brokers & agencies
Triage quotes before committing capacity or going to market.
Reinsurers
Analyze concentration and exposure on the books you cede in.
Built on infrastructure your auditor recognizes.
HMAC signature on every request, encryption in transit, minimum required data, and operation on AWS. No surprises in the security review.
HMAC SHA-256 signature
Every request is signed with a shared secret. The X-Signature header authenticates origin and integrity — and prevents replay with a timestamp.
TLS 1.2+ with ACM
Certificates managed by AWS Certificate Manager. No cleartext traffic between your stack and the API.
API key — OAuth 2.0 on roadmap
Key authentication today, in addition to HMAC. OAuth 2.0 flows for enterprise integration in 2026.
Data minimization
We only ingest the fields needed for scoring. No unnecessary PII.
SOC 2 on roadmap
SOC 2 Type I planned for 2027. Progress reports available under NDA.
AWS us-east-1
Serverless infrastructure on AWS with high availability.
Pricing built for every stage of the business.
We talk with you to define volume and SLA. No surprise numbers, no annual minimums.
Starter
Insurtechs and brokers getting started.
- Per-call pricing
- Free sandbox
- Low monthly minimum
- Self-serve onboarding via docs
Growth
Mid-size insurers.
- Monthly subscription with included volume
- Per-call overage
- Standard SLA
- Dedicated support channel
Enterprise
Tier-1 insurers and reinsurers.
- Annual contract with custom volume
- Guaranteed SLA
- VPC or on-prem deployment
- Assisted onboarding
The most common
questions.
Something not here? Email us at mario.perez@markwell.ai.
Let's talk
about your portfolio.
I'll get back to you within 24 hours. Founder-led, no middlemen.
Mario Pérez
Founder, Markwell
Alajuela, Costa Rica