Sixfold AI
Sixfold AI is an insurtech company building agentic AI software for commercial insurance underwriting. Its AI Underwriter ingests submissions, evaluates risk and appetite, and recommends next actions for Tier-1 carriers including Zurich, Generali, and AXIS.
- Company typePrivate
- Founded2023
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Sixfold AI does
Sixfold AI is a New York-based insurtech founded in May 2023 by Alex Schmelkin (CEO), Brian Moseley (CTO), and Jane Tran (COO) that builds agentic AI software for insurance underwriting. The company's core product, the AI Underwriter, ingests submission documents (loss runs, SOVs, medical records, APS, prescriptions), evaluates appetite and portfolio fit, reasons about risk, and recommends next actions — including straight-through quote and bind — using large language models. The AI is powered by the Underwriting Brain, a pre-loaded knowledge platform of functional underwriting expertise and reasoning patterns, supplemented by Institutional Intelligence, which links underwriting decisions to outcomes across the policy lifecycle to create compounding organizational knowledge. Each carrier runs an isolated instance trained exclusively on its own data, with SOC 2 Type II, HIPAA, GDPR, CCPA, and ISO 27001-aligned security posture, and the company holds three US patents on autonomous underwriting methods.
Sixfold operates two product lines — Property & Casualty and Life & Health underwriting — and has processed over 1.5 million submissions representing more than $265 billion in customer gross written premium across 50+ lines of business. Named enterprise customers include Zurich North America, Generali GC&C, Skyward Specialty, AXIS, Guardian, New York Life, and Mosaic Insurance. The platform is distributed via direct enterprise sales, Microsoft Azure Marketplace, Munich Re's Realytix Zero (embedded/white-label), and regional implementation partners including INFORCE and Adnovum (DACH). Geographic reach spans North America, UK, Europe, Latin America, and Australia.
The company monetizes via annual subscription enterprise SaaS contracts on a quote-based pricing model. As of January 2026, Sixfold had raised over $51.5 million across a $6.5M seed (May 2023, Bessemer and Crystal Venture Partners), a $15M Series A (June 2024, led by Salesforce Ventures), and a $30M Series B (January 2026, led by Brewer Lane Ventures with strategic investment from Guidewire). Headcount sits in the 11–50 range with 54% year-over-year growth, and the company maintains a dedicated Responsible AI research function, a Chief Data & Analytics Officer, and senior AI engineering talent recognized at OpenAI DevDay for processing 100B+ tokens in production.
Sixfold AI firmographics
Firmographics- Name
- Sixfold AI
- Legal name
- Sixfold AI, Inc.
- Website
- https://sixfold.ai
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Sixfold AI is an insurtech company building agentic AI software for commercial insurance underwriting. Its AI Underwriter ingests submissions, evaluates risk and appetite, and recommends next actions for Tier-1 carriers including Zurich, Generali, and AXIS.
- Ownership category
- akta.pro rank
Sixfold AI industry classification
Industry- Product category
- Insurance Underwriting AI Software
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industries
- Underwriting Automation & Workflow Enablement (FSAOAIAI), Underwriting Decision Support & Rules Engines (FSAOAIAD)
Keywords
Where Sixfold AI is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Sixfold AI business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Platform Subscription: Sixfold provides AI underwriting solutions as software-as-a-service (SaaS) via website, API, or through separate Solution Agreements with carriers. Each carrier operates in its own isolated environment.
- Enterprise Licensing: Enterprise licensing model where each carrier builds its own separate instance of the AI model trained exclusively on their own data, with configurable autonomous capabilities by line, risk size, and action type.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise SaaS Platform |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels5 records
Sixfold AI product offering
Product offeringCore offering
Sixfold AI builds an AI Underwriter platform that automates commercial insurance underwriting workflows for property-and-casualty and life-and-health carriers. The agentic software reads complex submissions (loss runs, SOVs, medical records, prescriptions), evaluates appetite and portfolio fit, scores risks with cited rationale, and recommends next-best actions such as referrals, declinations, broker follow-ups, or straight-through quote and bind. Each carrier receives its own isolated model instance trained exclusively on its proprietary data, with the Underwriting Brain pre-loaded with functional underwriting knowledge and an Institutional Intelligence layer that links decisions to outcomes over the policy lifecycle.
Product overview
Sixfold is an underwriting AI platform consisting of two product lines — Property & Casualty Underwriting and Life & Health Underwriting — unified by the core AI Underwriter product and its underlying Underwriting Brain. The AI Underwriter is an agentic platform that arrives with underwriting expertise, learns each carrier's appetite, holds institutional memory, and knows the next best action on every submission. It is powered by the Underwriting Brain (pre-loaded with industry knowledge) and supplemented by capabilities including Institutional Intelligence (which captures and links decisions to outcomes across the policy lifecycle) and a Research Agent (for autonomous data gathering). Three named modules — Sixfold Submit, Sixfold Summarize, and Sixfold Suggest — address specific workflow stages. The platform operates via API integration with carrier systems (workbenches, policy admin) or as a standalone tool, with each carrier operating in an isolated environment trained exclusively on their own data. Results include 50% improved efficiency, 15% increased quote-to-bind ratios, and 30% more GWP per underwriter.
Differentiator
Problem solved
Functional benefit
Products and services
- AI Underwriter An agentic AI platform for insurance carriers that ingests submissions, reads complex documents, evaluates appetite and portfolio fit, reasons about risk, and produces underwriting recommendations with source-cited rationale and next-best-action suggestions (refer, decline, broker follow-up, or straight-through quote/bind). Sold as an enterprise SaaS subscription with each deployment running in a per-carrier isolated environment.
- Property & Casualty Underwriting AI-powered underwriting product line for commercial P&C insurers covering property, casualty, specialty, and E&S lines. The AI Underwriter reads complex submissions (loss runs, SOVs), scores risk with explainable signals, evaluates appetite and portfolio fit, and recommends next actions across lines including property, general liability, cyber, D&O, professional liability, workers comp, umbrella, commercial auto, environmental, inland marine, construction, and surety.
- Life & Health Underwriting AI product line for life and health insurers that distills medical records (APS), lab results, and prescription history into clear case overviews. Surfaces impairments and mortality factors with cited clinical evidence, enabling faster life underwriting case decisions with full audit trail and consistent assessments across underwriters.
Quantifiable outcome
- 50-97% reduction in submission processing time
- +7 more outcomes
Companies that use Sixfold AI
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
Sixfold AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability9 records
Feature5 records
Sixfold AI partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- AdnovumcoreSwiss technology and consulting company specializing in secure digital transformation for insurance. Adnovum leads implementation and integration of Sixfold's AI underwriting solution for insurers across Germany, Austria, and Switzerland (DACH region). Brings 30+ years of insurance market experience and local regulatory fluency.
- Microsoft AzurecoreSixfold's AI underwriting platform made available through Microsoft Marketplace. Enables insurers to discover, purchase, and deploy within existing Azure environments, simplifying procurement, reducing deployment complexity, and allowing insurers to leverage existing Microsoft cloud infrastructure and budgeting processes.
- Munich RecoreIntegration of Sixfold's AI underwriting technology into Munich Re's cloud-based automated underwriting platform Realytix Zero. Enables insurers to design, build, launch, and scale digital underwriting products with AI-driven submission analysis and automated rate, quote, and bind capabilities.
- INFORCEcoreStrategic partnership with INFORCE, a systems integration firm specializing in insurance digital transformation. INFORCE integrates Sixfold's AI into its service suite to help insurers automate underwriting workflows. Collaboration targets property & casualty, specialty, and life & health insurers with joint implementation engagements.
Scale indicators12 records
Recent moves9 records
Expansion highlights7 records
Sixfold AI competitors and assessment
Company assessmentDirect peers
- Cytora: Cytora is a London-based AI platform for commercial insurance underwriting that digitizes and risk-scores submissions for property and casualty carriers. It is the closest direct competitor to Sixfold, with similar submission intake, risk evaluation, and appetite-fit capabilities aimed at mid-market and enterprise insurers.
- Planck: Planck provides an AI-powered data platform that automates commercial insurance underwriting workflows for carriers and MGAs. Comparable to Sixfold in target customer (commercial P&C insurers), AI-driven submission analysis, and appetite matching.
- Shift Technology: Shift Technology applies AI across the insurance value chain (underwriting, claims, fraud detection) and has expanded into underwriting decision support. It is comparable to Sixfold as an AI-native insurance platform serving large global carriers, with broader scope into claims.
- Cape Analytics: Cape Analytics uses AI/ML on geospatial imagery to deliver property risk intelligence for property insurance underwriting. Comparable to Sixfold's P&C underwriting value proposition at the property risk assessment layer, with overlap in carrier customers.
- Roots Automation: Roots Automation builds AI-powered digital workers (Insurance Agents-as-a-Service) for insurance operations including underwriting support and submissions handling. Directly comparable to Sixfold in delivering AI co-workers to insurance carriers for operational workflows.
Emerging players
- Tractable: Tractable applies computer vision and AI to insurance, primarily in property and auto claims. While its primary focus is claims rather than underwriting, it serves the same enterprise carrier buyers and competes for similar AI budgets within insurance innovation teams.
- Chisel AI: Chisel AI offered AI solutions for commercial insurance submission triage and underwriting document processing before pivoting. It is a historically direct peer to Sixfold in submission intake NLP and underwriting workflow automation.
- Instabase: Instabase is a horizontal AI platform for unstructured document processing that is deployed at insurance carriers for underwriting and claims workflows. It competes for the same AI-for-insurance-document-automation budget as Sixfold, though from a horizontal rather than underwriting-specialized posture.
Broad incumbents
- Guidewire: Guidewire is the dominant insurance core platform vendor (policy admin, claims, underwriting workbench) and a strategic investor in Sixfold. It is a partner today but increasingly a competitor as it embeds native AI capabilities (e.g., Guidewire InsuranceNow, Cyence) into its core suite that overlap with Sixfold's value proposition.
- Applied Systems: Applied Systems provides agency management and insurer-facing workflow platforms for the P&C industry, with growing AI capabilities. Relevant as a broad incumbent selling into the same carrier buyers, though historically more agency-side than underwriting-side.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Sixfold AI social profiles
Digital presenceSixfold AI compliance and trust
Trust signalCompliance5 records
Sixfold AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sixfold AI leadership team
Management profileNumber of profiles
Profiles10 records
Sixfold AI funding detail
Funding detailFunding overview
Funding rounds4 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sixfold AI M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sixfold AI
What does Sixfold AI do?
Sixfold AI builds an AI Underwriter platform that automates commercial insurance underwriting workflows for property-and-casualty and life-and-health carriers. The agentic software reads complex submissions (loss runs, SOVs, medical records, prescriptions), evaluates appetite and portfolio fit, scores risks with cited rationale, and recommends next-best actions such as referrals, declinations, broker follow-ups, or straight-through quote and bind. Each carrier receives its own isolated model instance trained exclusively on its proprietary data, with the Underwriting Brain pre-loaded with functional underwriting knowledge and an Institutional Intelligence layer that links decisions to outcomes over the policy lifecycle.
Is Sixfold AI a public or private company?
Sixfold AI is a private company. It is classified as venture growth investor backed and is currently operating.
When was Sixfold AI founded?
Sixfold AI was founded in 2023. It employs 51 to 100 people.
Where is Sixfold AI based?
Sixfold AI is headquartered in New York, United States, in the North America region.
How does Sixfold AI make money?
Two revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are enterprise Licensing.
Who are Sixfold AI's main competitors?
Direct peers on record are Cytora, Planck, Shift Technology, Cape Analytics and Roots Automation. Emerging players are Tractable, Chisel AI and Instabase. Broad incumbents are Guidewire and Applied Systems.
Does Sixfold AI have an API?
Yes. Sixfold offers an API that enables technical integration of its underwriting AI into carrier systems. The Terms of Use reference application programming interface (API) access and integration capabilities. The P&C product page states the AI Underwriter 'can run on its own or plug into your existing tools such as workbench or policy admin system.' API integration is available for insurers to incorporate Sixfold's submission analysis, risk assessment, and quote generation into their workflows. The AXIS case study notes 'just one internal IT resource to integrate the API with AXIS's internal system.'
What industry is Sixfold AI in?
Sixfold AI's product category is Insurance Underwriting AI Software. Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAOAIAI, Underwriting Automation & Workflow Enablement. Its NAICS code is 524 and its SIC code is 7372.