Underwriting is the most important process of a business where a slight miscue can lead to blunders. An insurance organization’s success depends upon the correct assessment of the possible risks associated with each application. Hence, the role of an underwriter becomes crucial. Predictive Analytics takes into account the statistical data and past records of the proposed insured to analyze the risk involved. A score is given to all the applications after analyzing the initial information provided. The applications which score higher than a certain threshold (defined by insurer) are considered to be low risk applications. The proposed methodology is to incorporate this predictive model in underwriting in order to streamline and optimize the process. This technique will help the underwriters to efficiently underwrite the applications.