Revolutionizing Life Underwriting with Proven AI Solutions

The amaise agenticAI Platform transforms the complexities of underwriting life insurance for high-net-worth individuals and large commercial clients. Designed for the insurance industry, our platform delivers measurable improvements in speed, accuracy, and client satisfaction:

84%

Increase in Efficiency

Boost productivity with automated workflows and AI-powered insights.

Enhanced Understanding

Equip underwriters with precise insights into complex medical and financial documents.

10%

Reduction in Claim Payouts

Accelerate policy issuance while maintaining thorough risk evaluations.

Increase in Conversion Rates

Improve policy acceptance with timely and accurate decisions.

The Challenges of High-Value Life Insurance Underwriting

Underwriting policies for high net worth individuals and large commercial engagements presents significant challenges:

Extensive Documentation

Processing large volumes of unstructured data, including medical records and financial statements.

Complex Risk Assessments

Requiring deep analysis of intricate medical histories, financial portfolios, and business operations.

High-Stakes Decision-Making

Errors in assessments can result in substantial financial losses.

Multidisciplinary Collaboration

Coordination among underwriters, medical directors, legal teams, and financial analysts is time-consuming.

Time Sensitivity

High-value clients demand swift service, yet thorough underwriting remains critical.

Life Underwriting in a nutshell

Fully underwritten life insurance products still require medical evidence, especially for applicants over 50 or for high-value policies. Despite growing use of predictive models, traditional underwriting remains essential for certain products and risk profiles.

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Issuing a fully underwritten policy can take 5 weeks or more—delays caused by eApp integration, manual workflows, or waiting on attending physician statements and paramedical exams.

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To accelerate risk assessment, insurers increasingly use alternative models like:

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Mortality Scores – predictive analytics using existing data, no medical exam required
Pharma Access – prescription history insights

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Still, many cases require retrieval and analysis of full medical records, especially when risks are complex or unclear.

our solution

The amaise agenticAI Platform

The amaise agenticAI Platform is specifically designed to address these challenges, providing advanced AI-driven solutions:

Automatic Document Organization

Streamlines management of all underwriting documents—medical records, financial statements, legal documents—by organizing them for easy access and removing duplicates.