Life Digital Suite

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EXL Life Digital Suite is a best of breed eApp and accelerated underwriting platform. The suite includes eApp, underwriting rules engine, workflow, analytics and e-docs components.

Key Features

We believe a combination of the following points makes LDS unique in both the the US & European markets.

• A rules based logic engine drives the automated workflow, document management and underwriting journey.
• No code configuration - simple to use Visio style configuration tool drives all workflow, underwriting questions and rule sets.
• One touch configuration within the design suite automates and tests changes across the entire journey

Underwriting engine
• Independent underwriting engine removes ties with any one reinsurer
• Full set of reflexive medical underwriting questions available to bespoke to individual insurer requirements
• External data feeds to all internal and external sources of data
• Full set of reflexive database questions to score data related information
• Medical & data questions deployed in real time to deliver a fully interactive underwriting journey which consumes applicant and broker inputs, external data from simple checks at the outset to complex interoperation of APS and other medical reporting.
• Expert independent underwriting support and consultancy to help insurers optimize the digital underwriting process
• Underwriting questions displayed in a Visio style format to make it simple to modify or write new rules with real time sight of every underwriting journey

Underwriting workbench
• Logic drive rules engine drives full automation across the underwriting engine
• Easy to read and configure dashboard reduces underwriters time managing new application
• Dynamic visualization tool capture’s all data points in the journey, including tagging every underwriting action with a cost and time to give transparency of all transactions at a cost per application, condition, distribution channels etc.
• All data is captured and stored digitally, providing transparency and consistency across all automated processes for use internally, with regulators of clients.

Continuous improvement cycle
• The visualization tool enables insurer to measure, in detail, key performance metrics.
• The no code one touch configuration enables insurers to target, test and improve any area across the underwriting journey
Reading APS reports
• A tool within the underwriting workbench can extract the key medical information, through a combination of OCR and human interaction to deliver a summary, hyperlinks and full report within a 24 hour turn round.

We believe that the combination of these features delivers the most comprehensive, data focused and independent underwriting solution on the market today.

Key Benefits

The Life Digital Suite provides best-in-class customer experience for fully underwritten products:

Consistent across agent and direct channels

Automated underwriting and policy issuance in minutes for favorable risks

Accelerated underwriting and policy issuance in hours or a few days for less favorable risks

Manage the accelerated underwriting process with clear analytics-based KPIs

Underwriting dashboard showing the flow and stage of applications

Underwriting workbench to adjudicate low/high touch decisions

Analytics provides insights on process and customer journey improvements to improve throughput and quality of portfolio