Full-Time
AI-powered platform enabling insurance distribution
$175k - $275k/yr
San Francisco, CA, USA
In Person
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Pathwork is an AI-native platform designed to modernize life and health insurance distribution. It helps brokers and carriers underwrite, place, and retain policies faster and more accurately by combining structured insurance data with predictive and generative AI. The product turns complex, manual workflows into intelligent systems, enabling users to automate tasks that used to take a lot of time. Unlike traditional tools, Pathwork integrates data, analytics, and AI in one platform focused specifically on the life and health insurance distribution process. Since its 2024 launch, it has supported about 40 brokerages and major carriers and analyzed more than 10,000 client cases. The company’s goal is to improve speed and accuracy in underwriting and policy placement while making distribution workflows simpler and more scalable for brokers and carriers.
Company Size
11-50
Company Stage
Seed
Total Funding
$3.5M
Headquarters
San Francisco, California
Founded
2024
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Health Insurance
401(k) Company Match
Health Savings Account/Flexible Spending Account
Hybrid Work Options
Remote Work Options
Pathwork, an AI platform for life and health insurance distribution, has launched a service giving life insurance brokers on-demand access to prescription and medical claims data used in underwriting. The platform allows brokers to review clients' health histories in seconds before submitting cases, replacing weeks-long waits for physical records. The San Francisco-based company has built HIPAA-compliant infrastructure to handle sensitive health data, which previously made broker-side access impractical. Prescription history covers a seven-year lookback with daily updates, whilst medical claims data returns on over 80% of applicants, averaging 200 clinical data points per person. The company says using this data can reduce attending physician statement orders by approximately 90%, cut lab orders by 90%, and accelerate underwriting turn times by 55%.
Pathwork and NGL Insurance Company have launched PreQual Manager, an AI-powered system that streamlines pre-application inquiries for life and long-term care insurance underwriters. The platform processes unstructured broker emails, extracts key details, matches them against underwriting guidelines and generates draft responses for underwriter review. NGL, which receives nearly 1,000 pre-application inquiries monthly, has reduced time spent per inquiry by 20–25% at launch whilst maintaining underwriter authority over final decisions. The system provides guideline-based rationale alongside recommendations, improving consistency and clarity for brokers. Founded in 1909 and headquartered in Madison, Wisconsin, NGL operates across 49 states and the District of Columbia. Pathwork describes itself as an AI-native automation platform purpose-built for life, annuities and health insurance distribution workflows.
Pathwork and NGL Insurance Company have launched PreQual Manager, an AI-powered system that processes pre-application inquiries from insurance brokers. The tool extracts key details from unstructured emails, matches them against underwriting guidelines, and generates draft responses for underwriter review. NGL receives nearly 1,000 pre-application inquiries monthly. At launch, the technology reduced processing time per inquiry by 20–25% whilst maintaining underwriter authority over final decisions. The system aims to deliver faster, more consistent guidance to brokers seeking preliminary case assessments before formal applications. The solution addresses workflow bottlenecks in life and long-term care insurance, where unstructured email threads create high volumes and inconsistent evaluations. NGL, established in 1909 and headquartered in Madison, Wisconsin, operates across 49 states and the District of Columbia.
Pathwork, an AI-native platform for life and health insurance distribution, raised a $3.5M seed round led by Costanoa, with participation from Logos Fund, American Family Ventures, and others. The funding will accelerate adoption among brokers and carriers. Pathwork automates policy workflows, enhancing speed and accuracy. Since launching in 2024, it has analyzed over 10,000 cases and supports more than 50 brokerages and carriers.