Line 02 Term, whole, universal & variable

Life insurance, issued in minutes.

From application to in-force policy on a single platform — accelerated underwriting, actuarial tooling, and illustrations that actually match the admin system.

Explore capabilities
Individual & group life carriers

The full product lifecycle, on one stack.

Model any term, whole, universal or variable product. Issue policies straight-through. Administer in-force business for decades without rebuilding.

01

Product modeling

Term, whole, UL, IUL, VUL and group life — configured without code. Riders, illustrations and actuarial assumptions in one place.

02

Accelerated UW

Instant decisions on up to 80% of simplified-issue applications. Rx, MIB, lab, MVR and predictive model integrations.

03

Illustration engine

Real-time non-guaranteed and guaranteed illustrations. Fully reconciled with the admin system — no spreadsheet drift.

04

Policy administration

Premium billing, lapse processing, cash-value tracking, loans, surrenders, 1035 exchanges and paid-up conversions.

05

Valuation & reporting

Statutory, GAAP and IFRS-17 valuations. LDTI, CALM and stochastic modeling support.

06

Claims & beneficiaries

Death claim intake with digital certificate verification, beneficiary management, and living-benefit workflows.

Accelerated underwriting

Most life apps close without a human ever opening them.

Our AU engine combines traditional underwriting rules with AI risk models and real-time third-party data — to issue clean cases in under five minutes.

  • Rules + AI. Deterministic rules for explainability, ML models for edge cases and fraud.
  • Data integrations. Rx, MIB, MVR, lab, EHR, tele-interview and predictive models out of the box.
  • Reflex questions. Adaptive questionnaires — ask only what the risk actually requires.
  • Reinsurance. Automatic treaty cession, facultative placement and bordereaux reporting.
  • Audit. Every decision is explainable, logged and replayable against regulator review.
By the numbers

Life, at the speed of digital.

<5 min
Median time from application to policy issue
80%
Simplified-issue apps closed without a human
40+
Third-party data sources integrated out of the box
IFRS-17
Full valuation & disclosure support
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