Contestable Review
Every contestable claim gets a cited review of what was disclosed and what the records show.
Why it matters
Contestable reviews mean reading the application against years of medical records; the work is slow, and families wait while it happens.
How the solution handles it
Five agents read the application, build a dated medical history, find answers the records contradict, check whether the underwriting manual would have changed the decision and write a cited findings memo. The claims examiner decides with counsel.
How a claim moves
Five specialist agents read the application, build the history, find misstatements, check materiality and write the memo; a claims examiner decides.
What it reads, and what it hands back.
What goes in
- Original application
- Medical records and APS
- Prescription history
- Death certificate and autopsy report
- Agent and interview notes
What comes out
- Cited misstatement review
- Medical history timeline
- Materiality check
- Findings memo
Who uses it
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.
Sources: US incontestability clauses (2 years) · Insurance Act 1938 §45 (India, 3 years) · “Target” = design goal, measured in the live solution · “typical” = published figures · “estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every application read against its evidence, so the underwriter starts from a cited case summary.
APS SummaryA 200-page APS becomes a short cited summary of every condition, value and date.
Death ClaimsEvery death claim checked and ready to pay well inside the 15-day clock, with interest worked out.
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