WorkflowLife & Annuities

Life Underwriting

Life Application Underwriting

Every application read against its evidence, so the underwriter starts from a cited case summary.

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WorkflowDocuments in; a checked, signed result out.
5specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Underwriters piece together applications, exam results and third-party data by hand; disclosure gaps surface late and cases stall.

What it does

How the solution handles it

Five agents read the application, gather the evidence, match every answer to it, check the underwriting manual rules and write a cited case summary. The life underwriter sets the rating and decides.

How it works

How an application moves

Five specialist agents read the application, gather evidence, check disclosures and the manual, and summarise; a life underwriter sets the rating.

What comes in
Evidence in5 kinds of record · application, labs, Rx, MIB, MVR
Agents at work
Application readerevery answer, cited
Then
Evidence gathererlabs, Rx, MIB, MVR
Then
Disclosure checkeranswers vs evidence
Manual rules checkerunderwriting manual
Then
Case summary writerfor the underwriter
A person decides
Life underwritersets the rating
What comes out
Case summary
Gaps to clear
Rating set
In and out

What it reads, and what it hands back.

What goes in

  • Application Parts I and II
  • Paramedical exam and labs
  • Prescription history
  • MIB report
  • Motor vehicle record

What comes out

  • Cited case summary
  • Disclosure gaps
  • Manual rules check
  • Requirements still open

Who uses it

LULife underwritersCMCase managersMDMedical directorsAAAgents and advisers
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
5min
from complete evidence to a cited case summary
By hand45–60 min
With agents≈ 5 min
target
100%
of application answers matched to the evidence
every answer checked
estimated
2×
the cases each underwriter can decide
TodayWith agents

“Target” = design goal, measured in the live solution · “typical” = published figures · “estimated” = our estimate

Built on the engine

5 specialist agents. One person decides.

Application readerParts I and II, every answer
Evidence gathererlabs, Rx, MIB and driving record
Disclosure checkeranswers that evidence contradicts
Manual rules checkerapplies the underwriting manual
Case summary writersummary with every fact cited
Life underwritersets the rating and decides

Build this
for your team.

We’ll show Life Underwriting running on your own documents.