More than half of applications now decide automatically at fully underwritten rates, in days not weeks
Customer story
A national life & annuities carrier
The carrier launched accelerated underwriting on the Underwriting Workbench — electronic evidence orchestration with AI summarisation and confidence-gated triage — and switched on Smart Claims for Life, matching verified death records against the whole policy book and automating clean death-claim settlement.
A life carrier's fully underwritten products took 40+ days to issue: every applicant waited on exams and attending physician statements, placement rates sagged as applicants walked, and death claims took months because examiners assembled requirements by hand from paper files.
Illustrative outcome
54%
of applications now decided without human touch
- Underwriting Workbench
- Smart Claims
- Actuarial Platform
Illustrative and capability-framed — representative of platform capability, not a verified named-customer claim.
The challenge
A life carrier's fully underwritten products took 40+ days to issue: every applicant waited on exams and attending physician statements, placement rates sagged as applicants walked, and death claims took months because examiners assembled requirements by hand from paper files.
The solution
The carrier launched accelerated underwriting on the Underwriting Workbench — electronic evidence orchestration with AI summarisation and confidence-gated triage — and switched on Smart Claims for Life, matching verified death records against the whole policy book and automating clean death-claim settlement.
The results
What changed
Illustrative, capability-framed outcomes from the modules deployed — representative of what the platform is built to deliver.
Complex cases reach underwriters with APS and lab evidence already summarised into a structured brief
Clean death claims settle in under a week, with examiners handling only the exceptions
Post-issue audits and drift monitoring evidence the programme's mortality standard to reinsurers
Placement went up because the wait went away — and we can show our reinsurers, case by case, that the mortality standard never moved.
Modules used
The platform behind the story
Each module deploys independently yet shares the same data fabric, Cortex brain and evidence ledger — explore the ones in this story.
Core Insurance
Underwriting Workbench
Rate, decide and refer on one governed underwriting desktop.
Explore Underwriting WorkbenchCore Insurance
Smart Claims
Every decision on the file has an author, a rule and a record.
Explore Smart ClaimsAnalytics & AI
Actuarial Platform
Every assumption versioned, every run reproducible, every sign-off logged — and uncertified data refused.
Explore Actuarial PlatformSee these outcomes on your world
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