1. A system for optimizing an insurance application underwriting decision for an insurance underwriting system, the system comprising: an input module for defining a process for the insurance application underwriting decision for the insurance underwriting system; a processor module for performing a plurality of insurance application underwriting decisions by applying the process to a plurality of certified insurance applications, where each of the plurality of certified insurance applications comprises an insurance application for which a correct underwriting decision has already been made; and a comparison module for comparing the correct underwriting decisions to the underwriting decisions performed by applying the process.