Life, annuity & retirement carriers

Run the life value chain on one AI-native, governed core.

Accelerated underwriting with automated evidence, death claims settled in days, policy servicing without swivel-chair, and IFRS 17 / LDTI / PBR valuation on governed assumptions — the whole life and annuity lifecycle on one platform.

Book a demo Explore the platform

app.aegisnow.ai/analytics

Life Carrier Control Tower

Live

Auto-underwritten

54%

↑+9pts

Death claim cycle

6.2d

↓-18d

13-mo persistency

91.3%

↑+1.8pts

AvE mortality

99.2%

In-force policy count, last 10 quarters (k)

Trend

AegisNow serves life and annuity carriers across the full lifecycle: accelerated underwriting with APS, lab and prescription evidence orchestration, Smart Claims for Life death-claim automation, modern policy servicing with lapse-prevention, billing and commissions, producer licensing and compensation, and a governed actuarial platform for valuation, experience studies and IFRS 17 / LDTI / PBR — all with a tamper-evident audit trail.

Days, not monthsto settle a clean death claim

Death-record matching and automated requirements turn the hardest customer moment into the fastest.

Illustrative, capability-framed outcome — your results depend on your data, scope and configuration.

The life & annuities signature

The pressures that define life & annuities

Every life & annuities programme answers to a distinct set of loss modes and regulators. AegisNow maps both onto one governed core — so a single filing artifact can satisfy many regimes.

Slow, evidence-bound underwriting losing placements to faster carriers

Death-claim cycle times

and beneficiary experience

Lapse and surrender pressure on in-force profitability

Stale mortality

and lapse assumptions feeding pricing and valuation

Producer conduct, replacement

and best-interest exposure

IFRS 17 / LDTI close pressure on finance-actuarial teams

Regulators & regimes

Mapped to one filing library

Obligations from each regime auto-map to shared artifacts, so evidence collected once satisfies many regimes at exam time.

NAIC / state DOIs
IFRS 17
LDTI
PBR / VM-20
NY Reg 187
FCA Consumer Duty (UK)

The modules behind it

Built for life & annuities, on one governed core

Each module is composable and shares the same data fabric, Cortex AI brain and evidence ledger — so coverage compounds across the vertical instead of fragmenting.

Underwriting Workbench

Rate, decide and refer on one governed underwriting desktop.

Smart Claims

Every decision on the file has an author, a rule and a record.

Policy Administration

Service the book, launch products and run MGA programs on one core.

Actuarial Platform

Every assumption versioned, every run reproducible, every sign-off logged — and uncertified data refused.

Distribution & Agency

Onboard, license, pay and grow your producer force.

Customer 360

One view of every policyholder, household and interaction.

Placement went up because the wait went away — and we can show our reinsurers, case by case, that the mortality standard never moved.

A national life & annuities carrierChief Underwriting Officer

54%

of applications now decided without human touch

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.With AegisNow. 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.

Illustrative scenario; the organisation is described by sector only. No fabricated names, logos or certifications.

FAQ

Life & Annuities operations, clarified

The questions life & annuities underwriting, claims and finance leaders ask most.

Evidence orchestration orders and AI-summarises APS, labs, prescription and MIB data; clean applications flow through confidence-gated accelerated paths, and complex cases reach an underwriter with the file pre-assembled — cutting time-to-decision from weeks to days.

Death-claim automation: death records are verified and matched against the whole policy book, beneficiary and requirement checks run automatically, and clean death claims settle in days with examiners handling only the exceptions.

AI retention signals score lapse and surrender risk from payment behaviour and service history, dunning is tuned to lapse risk, and renewal and conservation outreach triggers while intervention can still work.

Yes — the actuarial platform runs GMM/VFA/PAA with CSM roll-forward, LDTI and PBR models on versioned assumptions with reproducible runs, so valuation and disclosure stand on one governed basis.

Licensing and appointments are tracked to the day, compensation runs from versioned plans, and complaint, replacement and lapse patterns link back to the producing agent so conduct issues surface early with context.

Explore the modules

Browse all industries

Resilience built for life & annuities

See AegisNow mapped to your life & annuities regulators, lines and workflows in a working environment — in one session.