ALIP Digital Innovations

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Set your company apart from its competitors. Explore these innovative products and services and see how they can help you attract and retain customers while boosting your bottom line. And they’re ALIP-ready right out of the box!


It’s been said that humans process video 60,000 times faster than text. SmartVideo reduces communication and call center costs, while enhancing the customer experience and engagement. This SaaS solution is integrated with ALIP’s policy data to deliver personalized on-demand messages that consumers are more likely to watch and remember.

SmartVideo enhances traditional communication methods with relevant and engaging ‘welcome’ experiences at various points during the new customer onboarding period. Facilitating personalized customer communication throughout the onboarding process with SmartVideo is more helpful to customers than mass communication tactics. It enables more targeted calls to action, and is measured and optimized for results.

When combined with ALIP, carriers have a way to communicate with their customers throughout the customer engagement lifecycle—from quotations and onboarding communications to payouts—using personalized client and policy data to generate customized smart video communications on demand.

The solution utilizes existing communication channels anytime, anywhere and can be integrated seamlessly into your private or public Cloud environment.

ALIP Portal

In a digital insurance world, consumers and agents want access to real-time policy information 24x7. And they want to conduct business on their own terms. Self-service is no longer a “nice to have”—it’s a “must have.” The ALIP Portal gives consumers and agents the power to conduct business online with speed and convenience. And its mobile-first design means you accelerate and simplify changes with once-and-done updates across all devices and channels.

ALIP Portal is available on-premise or in the cloud. Unlike other portals, it’s pre-integrated with ALIP and integrates easily with other third-party administration systems through ALIP’s growing library of pretested interfaces.

The ALIP Portal puts you in control with flexible capabilities that can be configured to your requirements using easy-to-define rules and templates. You can offer capabilities based on product, channel and other variables. Then as needs change, you can readily adapt by extending capabilities to accommodate an increasingly savvy customer base.

Even if you already have a portal, you can benefit from the interfaces and APIs available in ALIP’s Interface Exchange. This ever growing library of pretested integrations helps you to quickly extend your portal ecosystem to internal and external systems.

Digital Health Engagement Platform

Customers aspire to lead healthier lives and insurers aspire to know their policyholders better. The dacadoo Digital Health Engagement Platform (DHEP) lies at the intersection of both. It helps insurers establish ongoing, value-added relationships with policyholders well beyond policy transactions.

DHEP is a health and wellness technology platform that’s offered as-a-service and includes a web and mobile software application, data warehouse and analytics model. It’s available standalone or pre-integrated with the Accenture Life Insurance & Annuity Platform (ALIP).

Using health and wellness data from DHEP, insurers can produce a policyholder’s overall Health Score—a unique feature of the platform—and help them improve it through coaching, gamification and other relevant and meaningful engagement throughout the policyholder’s life.

Establish and maintain an ongoing value-added relationship with your policyholders well beyond the initial transaction!

Risk Engine

Reduce underwriting risk and increase underwriting speed using granular morbidity, mortality and health data. dacadoo Risk Engine is a powerful, multivariate predictive health model. It uses granular morbidity and mortality data from over 500 clinical research studies—including a continuously refreshed database of more than 300 million life-years of health data.

No data. No problem. Risk Engine fills in missing data on a life insurance application from its massive database. It goes beyond an underwriting risk score to compute a variety of predictions. Life insurance applications with as few as four personal data points (e.g. age, height, weight and gender) can produce over 60 health insights that more accurately classify risk and limit the need for paramedical exams and time-consuming, costly evidence gathering.

Advance your underwriting processes to profitably address new markets and improve the buying experience to meet the expectations of today’s consumers.

An end-to-end, scalable and fully integrated platform

Accenture is a leader in the market, helping carriers innovate and grow by applying today’s most modern new business and policy administration capabilities using ALIP and an advanced portfolio of digital solutions with expansive partner network. ALIP’s architecture is designed using containers and microservices for optimal cloud performance and delivery flexibility. And with today’s abundance of data, carriers can rely on Accenture’s Life & Annuity Analytics—the industry’s first standalone business intelligence and predictive analytics solution with out-of-the-box use cases and insights exclusively for life and annuity carriers.

Know with confidence that whether you modernize the full policy lifecycle or a specific component, our software integrates easily with existing systems. ALIP delivers best-in-class capabilities—all available on-premises, in the cloud, hosted, a cutting-edge Platform-as-a-Service model or through BPO— giving you the ultimate in flexibility and choice.

Key Benefits


Personalized video communications using ALIP customer policy data:

  • Enhance customer experience
  • Increase retention and cross-sell
  • Lower servicing and correspondence costs

Digital Health Engagement Platform

Analytics-powered health and wellness application:

  • Increase brand loyalty
  • Engage consumers throughout the policy lifecycle
  • Encourage healthy lifestyles

Risk Engine

Improve underwriting with extensive morbidity, mortality and health data:

  • Accurately assess risk
  • Improve the life insurance buying experience
  • Provide fast, accurate underwriting decisions

ALIP Portal

24x7 self-service for agents and policy holders:

  • Consumer self-service
  • Agent collaboration
  • Mobile first, responsive design
  • Real-time data
  • Reduce call center costs