Life new business, underwriting, issuance and claims. Already built.
Templates and accelerators on PSuite, so a new programme starts from a working baseline rather than a specification.
A BPM foundation for life insurance new business
Seamless application entry, auto and manual underwriting, and policy issuance across a carrier’s product set.
Policy Application Gateway
Multi-channel application entry with in-flight validation and completeness checks, producing good-order applications that conform to the rules appropriate for the product, the state and the customer.
- Configurable default rules and completeness checks
- Standardized data and schema models based on ACORD
- ACORD-based integration with MIB and other service partners
Product Center
One framework for modelling and managing the lifecycle of product specifications and configurations.
- Specification rules and attributes
- Underwriting and rating rules
- Premium and actuarial calculations
- ACORD-based data models
New Business & Application Workbench
A workbench to manage and control new applications end to end.
- Workflow task inbox with task and role-based access control
- Integrated auto and manual correspondence generation
- Case tracking across underwriting and issuance
Underwriting & Processor Task Management
Underwriter and processor workflow with a correspondence controller alongside it.
- Task inbox, task and role-based access control
- Integration with major evidence and service providers
- Auto correspondence rules, document completion and adequacy rules
Centralized rule authoring and lifecycle
A browser-based graphical rule editor with classification and nomenclature for every business and technical rule involved in application validity, flow control, regulatory checks, underwriting and document generation, guided by the application and product data models, with auto-generated documentation. Underwriting logic stays owned by underwriting.
Graphical modelling and execution
Model all application entry, underwriting and back-office processes graphically: receiving and validating applications, underwriting, payments, policy issuance and billing. A common modelling environment for business and technical users fosters shared understanding and accuracy of implementation.
The outcomes carriers hold us to
Smarter workflow for underwriting and policy issuance.
Speed
- Rapidly achieve straight-through processing of new policy applications
- Drastically reduce latency from application receipt to policy issue
- True STP across channels through uniform intake
Quality
- More good-order applications at the point of entry
- Uniform validation and underwriting rules across channels
- Automatic correspondence and document adequacy rules
Throughput
- Increase auto-issuance of policies
- Efficiently automate underwriting and exception workflows
- Case tracking, underwriting and issuance in one workbench
Engagement
- Contextual and natural-language customer interfaces
- Natural-language interfaces in back-office portals
- Less friction across CRM and service channels
The life new business and underwriting platform is live in production. Templates and accelerators provision the associated processes, so a new programme starts from a working baseline rather than a specification.
Claims management platform
The same foundation applied to claims: intake through settlement, integrating the mainframe and third-party services rather than replacing them.
A closed loop, not a waterfall
Analytics from running processes feed the next round of discovery, so the platform keeps improving after go-live.
Discovery & identification
Discover structured and unstructured processes. Document what works and what does not. Analyze core process patterns and identify stakeholders and process actors.
Model & design
BPMN process modelling, information schema modelling across the core domain and enterprise data model, and a collaborative business process repository.
Process & app implementation
Build process-driven applications, design automation and service enablement, integrate with partners on open standards, and engineer to STP, performance and SLA goals.
Analytics & KPI monitoring
Analyze process data for insight, apply statistical methods for continuous improvement, and turn KPI data into management reporting that drives the next process change.
Product, services, deployment and sustenance. Because we own PSuite, the platform evolves with the engagement instead of constraining it, and support does not route through a third-party vendor.
Service-oriented architecture & integration
Years of enterprise integration experience to jump-start or fast-track SOA initiatives and integration projects, across IBM and open-source platforms.
Business process management
State-of-the-art BPM solutions on PSuite and open-source technologies, or implementation services for IBM Business Process Manager.
Application design & development
End-to-end development services on all major Java application servers, with deep technical competency and strong technical management.
The agentic layer lands here first
New business is where unstructured information causes the most avoidable delay: PDF applications, agent emails, APS records, labs. That makes it the natural first home for agents that read, chase and draft, with the existing rule engine still making every decision that matters.
See Agentic PSuite →Bring us a case that sits still
Pick the workflow that generates the most exceptions or the longest cycle time. That is the fastest way to find out whether this fits.