Find the drift.
Size the fix.
Act at scale.
See your book. Steer it. Xponent Portfolio Navigator shows where your portfolio is excelling or drifting and lets you act, one policy or thousands at once!
Request a demoScored on the feeds and metrics you choose, such as appetite, rate adequacy and claims loss. Four clear paths for every policy.
Proactive Portfolio Steering: Turn P&C Underwriting Insights into Immediate Action
Xponent Portfolio Navigator (XPN) shows carriers, MGAs and reinsurers where their book is excelling or drifting, so they can focus on what matters and turn that insight into referrals and workflows right away. It's more than business intelligence: see your book in context, quiz every dimension, and act on a single policy or quote, or on thousands at once.
Four-square view with four clear paths: Keep, Grow, Watch, Fix or Exit
Plain-English questions and in-context AI observations across every dimension
Marginal contribution of every new quote before you bind
Referrals to agentic or human workflows, one policy or thousands
Full Portfolio Visibility: Analyze Trends Down to Individual Policy Risk
CUOs, chief risk officers, portfolio managers, underwriting managers, line-of-business underwriters, actuaries, claims and exposure managers get one real-time view of the data that drives the business. Every number traces back to the policies, quotes and claims underneath it.
See it on your bookSnapshot and Compare
Set any prior snapshot against today and see exactly which segments, producers and accounts moved.
Ask the Book
Questions like "where is premium underpriced?" filter the view and return observations on what you select.
Marginal Contribution
Load a quote and see its effect on premium, exposure and expected loss ratio before you bind.
Scenario Modeling
Adjust expected loss ratios and P&L drivers, roll the book forward, and compare against past positions.
Broker and Agent Comparison
Compare performance across brokers and agents side by side, then act in the context of existing relationships and workflows.
Renewal Drift
See how multi-year policies trend from in-force to renewal, grouped by the attributes that drive your decisions.
Ask to Action
Act on a single policy or lasso 30,000 and route them to an agentic workflow, a human-in-the-loop review, the committee or an escalation.
Decision Ledger
Every steering decision is recorded with who made it, when and why. It keeps you focused on what matters and ready for audit.
Underwriting Guidelines Check OPTIONAL
Apply your underwriting guidelines in real time through Purple Fabric to flag breaches of appetite or authority, with every action transparent and auditable.
How Xponent Portfolio Navigator Drives AI Portfolio Steering in 4 Steps
Plug into the data you already have. Score every policy and quote. Ask, decide and act in one place.
Connect
APIs link to any key metric feed, in real time if you choose: quoting, policy admin, claims, guidelines conformance, exposure or a data warehouse.
Score
Every policy and quote is scored on your metrics, such as appetite, rate adequacy and claims loss, and placed on the four-square.
Ask
Query the book in plain English, group by the dimensions that matter to you, compare snapshots and test new quotes.
Act
Reprice, refer or non-renew one policy or as many as you need, in human or agentic workflows. Every decision lands in the ledger.
Measurable Business Outcomes: Profitability, Early Drift Detection, and Loss Ratio Control
See the Drift Early
Lead indicators by industry code, producer, agent, broker, class, state and vintage show up immediately, well before the loss ratio does.
Act at Scale
Go from "show me what's underpriced" to a referral in one step, for a single policy or 30,000 at once.
Better Risk Selection, Higher Profitability
Rapid risk selection means better quotes in and timely book adjustments. Every new quote is judged on what it adds to the portfolio.
Less Expense in a Soft Market
Spot the volatile, riskier and costlier policies and address them together, not one file at a time.
Guidelines Oversight in Real Time
See where underwriting guidelines are being breached as it happens, with full transparency and auditability.
Your Data, Your Models, Your Platform
API connections to your existing systems. Proprietary pricing and loss models plug in and stay under your control.
Flexible Deployment: Standalone AI App or Embedded Underwriting Workbench
Two ways to run it, one view of your book. Both run on Purple Fabric, Intellect's governed AI platform.
Standalone
Buy Xponent Portfolio Navigator on its own and connect it to any key metric feed you already run.
- API connections, real time if you choose, to quoting, policy admin, claims, guidelines conformance, exposure or a data warehouse
- Referrals flow into your existing workflows and systems
- Starts with a short discovery of your data feeds
Inside Intellect Xponent
Embedded in the Insights capabilities of the Xponent Underwriting Workbench, bringing risk and portfolio insights together.
- Single pane of glass with instant portfolio-to-risk drill-down
- No extra tool for underwriters to open
- Referrals land as tasks in the workbench
P&C Underwriting Resources & Portfolio Navigator Documentation
Frequently Asked Questions About AI Portfolio Steering & XPN
What is XPN?
XPN, short for Xponent Portfolio Navigator, is IntellectAI's portfolio steering application for an entire book of business across commercial and specialty lines. It shows carriers, MGAs and reinsurers where their book is excelling or drifting, so they can focus on what matters and turn that insight into referrals and workflows right away.
Download a BrochureHow is it different from business intelligence analytics?
Business intelligence shows you a book. XPN lets you see it in context, quiz every dimension and act on it, one policy or quote at a time or thousands together. The four-square view applies one consistent approach to your metrics and gives every policy one of four clear paths: Keep, Grow, Watch, or Fix or Exit.
Who is XPN for?
Carriers, MGAs and reinsurers. Inside those teams, it serves CEOs, CUOs and chief risk officers, portfolio and underwriting managers, line-of-business underwriters, actuaries, claims and exposure managers, and compliance teams.
Can I compare brokers and agents?
Yes. Select comparative views across brokers and agents to see who is performing well, then take action in the context of your existing workflows and relationships.
Do I need Intellect Xponent to use it?
No. You can run XPN standalone, connected to your existing systems through APIs. Inside Xponent, it sits in the workbench's Insights capabilities, so you can drill from portfolio to individual risk in one view.
What systems and data does it connect to?
It connects through APIs to any key metric feed, in real time if you choose: quoting, policy administration, claims, underwriting guidelines conformance, exposure or a data warehouse. Your proprietary pricing and loss models plug in and stay under your control.
Can it check underwriting guidelines?
Yes. Connected to Purple Fabric, Intellect's governed AI platform, XPN applies your underwriting guidelines in real time and flags breaches, with full transparency and auditability of every action.
What does implementation look like?
It starts with a short discovery: what data you want to see, where it lives and how often it updates. From there, we connect the feeds and decide where referrals should land in your workflow.
Get in Touch
See Xponent Portfolio Navigator on your own book. Connect with our sales and solution experts for a personalized walkthrough.
