As a bancassurer, First National Bank has created a proposition that combines data from its banking and insurance divisions to deliver more dynamic life protection cover for homeowners, with a term assurance that automatically adjusts its cover based on the remaining debt in the home loan. As policyholders either borrow from their home equity for home improvements or accelerate paying off the home loan, the cover and monthly premium automatically adjust to ensure the outstanding debt is covered. Within this Model Insurer case study, the proposition approach and technology solutions will be discussed at a high level.