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UNDERWRITING & NEW BUSINESS

Automated life insurance underwriting software

The Policy Processor brings application details, evidence, tasks, and reinsurance into one case workspace. Cases that meet carrier-configured criteria follow approved straight-through workflows; underwriters review exceptions with the supporting information at hand. The carrier defines the rules and remains responsible for its underwriting framework.

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Rules and underwriter review with The Policy Processor

An automated underwriting system uses configured rules and available application and evidence data to process eligible cases. Life insurance underwriting software also needs a clear path to human review when a case requires judgment or additional evidence.

AUTOMATED PATH

Straight-through and accelerated underwriting

Apply the carrier’s configured rules to identify cases eligible for the carrier’s approved straight-through handling and route everything else to the appropriate underwriter review path. The carrier defines the rules and remains responsible for its underwriting framework.

  • Configurable underwriting rules
  • Carrier-defined eligibility and acceleration rules
  • Automated routing and triage
  • Carrier-approved straight-through processing for cases that meet carrier-configured criteria
  • Clear exception paths
Explore The Policy Processor Straight-through and accelerated underwriting

UNDERWRITER PATH

Complex cases with evidence in one place

Review the evidence, see highlighted findings, and manage case tasks and reinsurance in the same workspace. Underwriters can assess the case with its supporting information and decision history together.

  • Evidence summaries and highlighted findings
  • Single workspace for case data and decisions
  • Task, queue, and case management
  • Embedded reinsurance workflows
  • Decision history and supporting context retained for review
Explore The Policy Processor Complex cases with evidence in one place

Keep cases moving between reviews

Missing application information can leave a submission not in good order (NIGO). Underwriting also needs to track outstanding evidence and changing requirements after intake. Application validation and underwriting case management address different parts of that work; an outstanding underwriting requirement does not automatically mean a submission is NIGO.

  1. Evidence comes from many places

    Application details and evidence can arrive separately. Underwriters need to see what has been received, what is still outstanding, and which findings need review.

  2. Requirements are not static

    New information can create additional evidence requirements. Teams need to track those requests against the case and follow up on what is still missing.

  3. Cases cross the automated and manual line

    When a case leaves the automated path, the underwriter needs the evidence and rule context behind the referral—not just another item in a queue.

  4. Reinsurance adds a step

    Reinsurance review adds tasks and decisions to the case. Keeping that work alongside the underwriting record helps the team follow the case through review and issue.

What to look for in automated underwriting software

Ask vendors to walk through a case that needs more evidence, an underwriter referral, and reinsurance review. See what carries forward at each step, what the team must re-enter, and how outstanding work is tracked.

01

Rules and human review

Ask to see a case routed out of straight-through processing. Check what the underwriter receives, how the reason for referral is shown, and how the next action is assigned.

02

Evidence collection and tracking

Check how carrier-configured rules create evidence requirements, how requests and responses are tracked, and how the team identifies information already received. Review the source material available alongside any summary.

03

Case management through issue

Follow a case beyond the underwriting decision. Check how outstanding tasks, reinsurance work, approvals, and issue requirements are assigned and tracked so the team can see what remains to be done.

04

Decision records and oversight

Ask which evidence, rule results, routing events, and underwriter decisions are retained. Confirm who can review that history and whether it meets the carrier’s oversight requirements.

05

Connections to application and policy systems

Confirm which application fields and evidence feeds the platform receives, and which decisions and case data it sends to policy administration. Identify supported connections and any manual steps in your implementation.

Bring evidence into the case

The Policy Processor is designed to apply carrier-configured evidence requirements and organize the available information around the case. Evidence summaries and highlighted findings give underwriters material to review alongside case tasks and decision history. Underwriters decide cases requiring human review; carrier-configured rules govern approved straight-through cases. The carrier retains governance controls.

The underwriting workflow from application to issue

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 cases are eligible for the carrier’s approved straight-through workflows and which are routed to an underwriter for review. Business approved under the carrier’s underwriting process then moves into issue and policy administration.

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Application + Case Intake

Application data arrives from LifeSpeed or other order-entry sources.

Evidence + Requirements

Evidence and requirements are assembled around the case.

Rules + Triage

Carrier-configured rules identify which cases are eligible for the carrier’s approved straight-through workflows and which are routed to an underwriter for review.

Underwriter + Reinsurance

Cases that need judgment reach an underwriter with case data, decisions, tasks, and reinsurance in one place.

Decision + Issue

Business approved under the carrier’s underwriting process moves into issue and policy administration.

Connect carrier systems and evidence providers

The Policy Processor uses a library of services to connect carrier systems and evidence providers. For your implementation, confirm which information can enter the case automatically, how updates return to connected systems, and where the team still needs a manual handoff.

Our related solutions for applications, policies, and operational support

Underwriting starts with application and product information and ends with a decision that must reach policy administration. Explore the systems on either side of that handoff, plus operational support for teams that need additional capacity.

Agent Services

Add operational support from insurance-experienced professionals, licensed where the work calls for it, when the need is capacity as well as technology.

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Common questions about automated underwriting

What is an automated underwriting system for life insurance?

It uses configured rules and available application and evidence data to process life insurance cases. Cases meeting the carrier’s criteria can follow approved straight-through workflows; exceptions and cases requiring judgment go to an underwriter. The carrier defines the rules and remains responsible for its underwriting framework.

How do automated and accelerated underwriting differ?

Automated underwriting describes how software processes cases using configured rules and data. Accelerated underwriting describes a carrier program that may use alternative data and analytics to waive certain traditional evidence requirements, such as a medical exam, for eligible applicants. An accelerated case can still require human review or additional evidence; the terms are not interchangeable.

How does underwriting case management relate to NIGO?

Not in good order (NIGO) refers to submissions that do not meet the carrier’s submission requirements, for example because required information is missing. eApp validation can help surface application issues before submission. Underwriting case management tracks evidence, requirements, and follow-up after intake. Neither automation nor an application validation check guarantees acceptance or an underwriting decision.

What should carriers ask about AI in life insurance underwriting?

Ask which tasks use AI, what data informs the output, how it is validated, and where human review applies. Confirm what evidence, rule, routing, and decision history is retained and available for review. Evaluate those controls against the carrier’s governance requirements rather than assuming an AI feature makes an autonomous underwriting decision.

How does The Policy Processor connect with eApp and policy administration?

Application data can arrive from LifeSpeed or other order-entry sources. The Policy Processor brings evidence, requirements, case tasks, underwriter review, and reinsurance workflows around the case. Business approved under the carrier’s underwriting process moves toward issue and policy administration. Confirm the supported systems, data fields, and implementation scope for your carrier.

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Help straightforward cases move. Keep complex decisions with underwriters.

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Bring your application sources, evidence requirements, referral rules, and issue process to the conversation. Explore how The Policy Processor can support those steps and where your underwriters need visibility and control.

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