Life Underwriting … in minutes!

Groundbreaking innovation from eNoah iSolutions could transform the life insurance industry by providing underwriters with the ability to make informed decisions in minutes.


eNoah, a global leader in digital solutions, brings the speed that term life insurance has typically enjoyed to permanent insurance by unleashing the power of machine l earning, artificial intelligence, cognitive computing and predictive analytics.


eNoah challenges traditional models and adopts innovative tech for ways to speed up the underwriting

process and empower underwriters to make informed decisions that help place policies quickly, resulting in faster payout to brokerage general agents (BGAs), brokers and agents, and ensuring customer satisfaction that leads to repeat business with higher retention. These new advances have the huge potential to improve cycle time by several days and thereby speed up policy issuance.


In short, underwriters using eNoah’s software can run full medical history reports — including attending physician statements (APSs) — in about 10 to 15 minutes, rather than the days it typically takes.



InsurTech Express Blockchain for Life and Annuity Commissions

InsurTech Express Blockchain Lowers Commission Costs

InsurTech Express blockchain design to lower insurance commission costs. InsurTech Express is rethinking the way life and annuity providers handle the complex challenge of commissions—leveraging technology to solve long term industry issues while enabling participants to focus on growth and serving customers. Enables Trust, Accuracy and Simplicity!


Watch the video or read the complete White Paper Available FREE: InsurTech Express Blockchain for Life & Annuity Commissions PATENT PENDING


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Innovative Blockchain Design for Life Insurance & Annuity Commissions Lowers Costs & Enables Growth Focus


RALEIGH, N.C.Aug. 22, 2019 /PRNewswire/ — Commissions are an important part of the life insurance and annuity business model, but if the process does not go smoothly, it can impede effective partnerships, increase costs and waste valuable time.

InsurTech Express is rethinking the way life and annuity providers handle the complex challenge of commissions—leveraging technology to solve historic issues and enabling participants to focus on growth and serving customers well.

InsurTech Express published a White Paper, available for free download at, explaining how in today’s marketplace, the current life and annuity commission model is archaic and cumbersome, resulting in wasted time for all parties—time they would prefer to spend on growth and serving their clients’ needs.

“The Commission Blockchain plan that InsurTech Express is launching can streamline the entire commission and contracting process for participating carriers and distributors alike,” said Dan LaBert, CEO of the National Association of Independent Life Brokerage Agencies (NAILBA). “Ken and the team have designed an innovative approach to leverage the latest blockchain technology to solve recurring challenges our members see in their businesses. I look forward to NAILBA members further engaging in this exciting new technology that could resolve commission accounting concerns.”

“The InsurTech Express Blockchain for Life and Annuity Commissions solves many pain points that distribution and carriers have experienced for years,” said Ken Liebow, InsurTech Express Founder and Chief Executive Officer. “This innovative approach to paying commissions will reinforce trust between all parties. By setting up commission schedules and hierarchies, the new process eliminates manual entry into Agency Management Systems. All parties will have easy and secure access to their unique respective commission statement details for all parties in one place with clean, accurate information. We are delighted with the early favorable feedback on this revolutionary model. This commission Blockchain model delivers secure and reliable capability and truly is a gamechanger!”

“Blockchain technology has the potential to simplify and improve the overall speed and accuracy of the commission accounting process,” said Sherri Isaacson, Director of Agency Management at Ebix, a leading international supplier of On-Demand software and E-commerce services for the insurance industry. “The establishment of commission schedules and payment transactions at a single source then shared with the distribution chain will remove one of the biggest pain points of a BGA Commission team – duplicated data entry.”

About InsurTech Express

InsurTech Express is a leading technology and process improvement central resource for the life insurance and annuity industry, including carriers, distributors, and solution providers. With a core leadership team totaling more than 100 years combined experience, InsurTech Express focuses on technology, process and education.

All the information and tools on are accessible to the public at no cost. Features include:

  • InsurTech Express Blog—Visitors can learn the latest life insurance and annuity technology trends.
  • Solutions—Pages provide education on models of Straight Through Processing and updates on platforms from solution providers like Ebix, iPipeline, and PaperClip, as well as Life Underwriting Solutions and Policy Admin Systems. The page also covers the latest innovations in emerging technologies like Blockchain and AI.
  • Resources—Matching people and opportunities in the insurance sector.

Insurtech Express
A One Stop Life Insurance Resource.

Media Contact:

Diana Hickert-Hill



Prospective Business Contact:

Ken Leibow: 



Big Data and Data Science: Importance and Benefits

By Jovan Varga

Next Generation Analysis: Data Science

While Big Data focuses on providing tools and techniques for managing and processing large and diverse quantities of data, it is not as focused on interpreting the data processing results to support decision making. This is where the area of Data Science continues and focuses on using advanced statistical techniques to analyze Big Data and interpret the results in a domain-specific context. Thus, Data Science implies an intersection of various areas including:dvanced Computing

    • (Big Data) Engineering
    • Advanced Computing
    • Statistics
    • Visualization
    • Domain Expertise and others

In this context, it requires tools and frameworks for:

    • Statistical programming
    • Databases
    • Importing and Cleaning of Data
    • Exploratory Data Analysis
    • Machine Learning
    • Deep Learning
    • Text Mining
    • Natural Language Understanding
    • Recommender Systems, etc.

Overall, Data Science focuses on providing an end-to-end solution for gaining valuable insights to support decision making in this fast and heterogeneous context of modern data management and analytics.


RiskBlock, LIMRA select blockchain life insurance app

By, Nicky Norris

The Institutes RiskBlock Alliance launched their Canopy 2 blockchain framework. To date, RiskBlock’s planned use cases have focused on Property and Casualty, predominantly personal lines. Yesterday RiskBlock announced the first LIMRA / life insurance use case, Mortality Monitor. The application will use Social Security data, data sources and policyholder records for death notification.

In the past year, RiskBlock and LIMRA ran several labs to identify life insurance and annuity use cases. The Mortality Monitor is one of five applications. Continue reading at Ledger Insights.



Mojo 2019-05-17

Digitize Handwritten Apps

PaperClip Mojo is a new Platform as a Service born in Microsoft Azure Cloud combining leading-edge Artificial Intelligent with Crowd Sourcing for Big Data processing. The ability to transcribe, translate and the interpretation of Big Data faster and more accurate than ever before is a “Game Changer”.


The capability to transform Big Data into usable data like handwriting from paper to usable data, translate audio to text or tap human responses provides new opportunity to reduce cost or add new information sources to provide a competitive edge.



Making AI Responsible and Effective

To bring AI into the business mainstream, companies need to

complement their technology advances with a focus
on governance that drives ethics and trust. If they don’t,
their AI efforts will fall short of their expectations and
lag the business results delivered by competitors that
responsibly embrace machine intelligence, our latest research
findings suggest.




Ebix Artificial Intelligence

Ebix launches GeniEbix – A new generation Artificial Intelligence and Machine Learning solution to power its insurance exchanges and enterprise platforms.




NAIC INSURTECH and the Innovation Task Force

Issue: The very nature of the business of insurance is transforming, driven by technological advancements and socio-economic trends. Emerging technologies—like big data, the Internet of Things (IoT), mobile technology, artificial intelligence (AI)wearable devicesand blockchain—are revolutionizing the insurance industry and changing consumer expectations and preferences. Consumer habits are also evolving rapidly. According to the U.S. Census Bureau, millennials (ages 18-34) now outnumber baby boomers (ages 51-69) as the largest living generation. The millennials are well versed in new technologies and looking to take a more hands-on approach when it comes to managing their finances and purchasing insurance products.