Cases are less likely to stall when application data, evidence, rules, underwriting decisions, reinsurance, case work, and issue stay connected. Zinnia brings those steps into one workflow so business that meets the carrier’s criteria can move without manual review and complex cases reach underwriters with the context they need.
The delay often comes from rebuilding context between those steps.
Evidence arrives from different sources.
Requirements change.
Cases move between automated rules and manual review.
Reinsurance adds another handoff.
AUTOMATED PATH
Apply the carrier’s configurable rules to identify cases eligible for straight-through handling and route everything else to the appropriate review path.
UNDERWRITER PATH
Bring case data, evidence, highlighted findings, decisions, tasks, and reinsurance into one workspace.
Compare how well the full process holds together around automated rules and the underwriter workbench.
Evaluate how cases move between rules, acceleration, exception routing, underwriter review, and final decision without losing context or duplicating work.
Look at how the platform determines what evidence is needed, acquires it, tracks it, summarizes it, and avoids unnecessary requirements.
Map requirements, tasks, queues, service levels, reinsurance, approvals, and the path into issue. A fast decision still fails if the case stalls before or after it.
Buyers need to see why a case was routed, what evidence informed the decision, which rules applied, and where human judgment entered the process.
Trace the path from eApp and order entry into evidence providers, underwriting, reinsurance, carrier systems, and policy administration.
The Policy Processor is designed to determine and manage the evidence needed for a case, bring it into the underwriting workflow, and surface the information most relevant to the underwriter’s decision. Evidence summaries and highlighted findings help underwriters locate relevant information faster; underwriters make the decision, and governance controls remain with the carrier.
The Policy Processor brings new-business orchestration and underwriting into a connected workspace. Application data can arrive from LifeSpeed or other order-entry sources. Evidence and requirements are assembled around the case. Carrier-configured rules identify which business is eligible to move without manual review and which needs an underwriter. Business approved by the carrier’s underwriting process then moves into issue and policy administration.
Application data arrives from LifeSpeed or other order-entry sources.
Evidence and requirements are assembled around the case.
Carrier-configured rules identify which business is eligible to move without manual review and which needs an underwriter.
Cases that need judgment reach an underwriter with case data, decisions, tasks, and reinsurance in one place.
Business approved by the carrier’s underwriting process moves into issue and policy administration.
The Policy Processor connects to carrier systems and evidence providers through a library of services. The aim is to reduce manual handoffs and give underwriters quicker access to the information they need.
Carry validated application data from LifeSpeed and other order-entry sources into new business and underwriting.
Preserve case and product context from the earlier sales journey.
Move approved business into issue and administration with the required decision and case data.
Add operational support from insurance-experienced professionals, licensed where required, when the need is capacity as well as technology.
The objective is a new-business process that clears the cases that can move, gives underwriters better context for the cases that need judgment, and keeps the path from application to issue connected.
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