1. A process for preparing an insurance application for underwriting based on a plurality of previous insurance application underwriting decisions, the process comprising: receiving a request to underwrite the insurance application; assigning a risk classification to the insurance application; defining a set comprising at least one of the plurality of previous insurance application underwriting decisions; comparing the insurance application to the set; and designating the insurance application based at least in part on the comparison between the insurance application and the set and the risk classification assigned to the insurance application, where the designation is one of: designating the insurance application as an outlier insurance application; and designating the insurance application for underwriting.