TurnQuest Life Insurance System (LMS) is an integrated application that optimizes life insurance business operations for both individual and group. TurnQuest LMS helps Life insurers improve operational efficiencies and speed up the once slow purchase process. Life insurers gain unique opportunities to utilizing technology and data - both internal and external - to streamline quote generation and the underwriting processes and simplify the application process. TurnQuest LMS provides the necessary tools and flexibility to support a range of hybrid products – both group and individual schemes – so traditional insurance components can sit alongside life, disability and unit linked investment ones, and, if required, lending and mortgage components.