“A One Stop Life, Health, and Annuity Resource.”

eApp, eDelivery & Straight-Through-Processing

eApp, eDelivery & Straight-Through-Processing

Fiduciary Genius is a retirement planning software designed for professionals, offering comprehensive coverage of various aspects of retirement planning. It simplifies complex financial calculations, allowing professionals to create accurate retirement plans.

Plum Life is on a mission to create the ideal life insurance experience where the confidence of working with an advisor the and convenience of buying online meet in one place. The company offers an agent only digital experience designed to simplify the entire process of selling life insurance from quoting to application and to issue. Designed especially for the life insurance industry, Plum Life’s integrated platform combines the capabilities of a modern technology company with the personal attention and service of an advisor.

Policygenius Pro is a life insurance fulfillment platform that combines technology and licensed agents to help consumers get the coverage they need. Launched in 2022, it combines a custom-built CRM system, superior insurance products, and unique carrier integrations, making it the largest producer of term life insurance in the country.

Be Compliant.
Be Transparent.
Get More Sales.

Before Annuities Genius: With thousands of annuities on the market, how can you really recommend the right one in the age of the BEST INTEREST STANDARD? Are you truly offering the best option to your clients?

After Annuities Genius: You have a TRUSTED product validation process to determine client suitability. You keep impeccable, comprehensive records. You have an all-in-one, compliant sales process.

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eApplicationSM

Web based intelligent data and fillable forms eApplicationSM (e App) solution that can support any product. Supports collection via a robust User Interface (UI) with edits, drill downs. And, for more than 20 years, ‘real time client-side editing’.

eSignature

Paperless Solutions Group (PSG) eSignature   facilitates the signing of documents in a convenient and easy to use electronic fashion. The tool can be used as a stand-alone module or can be integrated into any PSG product.

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Management Research Services offers customized insurance underwriting solutions to support a range of insurance services.We can assist with your new business applications and underwriting processes through our proprietary technology platforms.

 

Management Research Services is the next generation of application collection and underwriting technology for the life and annuity industries.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

So, if you want to organize your flows, optimize cost in underwriting, or unleash your own data, be sure to use s360. The future of underwriting arrived.

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When it comes to helping companies in the insurance and financial industries grow, we are relentless. We provide the most insightful, accurate and effective data and marketing strategies to help you make more connections, foster more sales and create reliable leads and growth.

A division of InsuranceNewsNet, the leading media company in the industry, First Class Data provides access to our full-service marketing agency that leverages over 20 years of experience crafting and deploying industry-specific campaigns, proven to get you the results your company deserves.

liz is a modular suite comprised of three stand-alone solutions that work great separately, and even better together. This solution suite pertains to life insurance lines of business – hence the name – and allows for end-to-end business cycles to take place without prior infrastructure and very minimal IT resources.

  • liz flow is a modular, pure no-code e-application, and a product configuration & management platform.

  • liz assess is thinktum’s AI-driven personalized underwriting engine. It supports any and all combinations of underwriting models. Accelerated, simplified, reflexive, dynamic, traditional, hybrid, and more.

  • liz data is our data processing and analytics module. liz data provides real-time analytics in the form of monitoring dashboards, logs, timestamps, and more. liz data pulls behavioral analytics data from end-users such as agents and applicants.

Connecting Each Touchpoint on the Sales and Customer Success Journey.

Trusty.care’s end-to-end sales & customer support experience platform has all the software and integrations needed to connect all stakeholders in the health insurance ecosystem, from point of sale to commissions analytics to member engagement and retention. Our modular approach seamlessly connects data, teams, and members to optimize your sales processes. Each module is powerful alone, even better together.

Trusty.care helps your business Connect, Automate, and Grow

LNRS CMYK POS

LexisNexis® Life Data Prefill

As an interactive single-inquiry solution, LexisNexis® Life Data Prefill helps streamline the insurance process at the point of application, reducing the time and cost of capturing some of the data necessary to help properly evaluate your applicants.

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Quote & Apply

FREE Life Insurance Quoting Software

Are you looking for a free quoting engine? How about your own life insurance quoting website? How about free life insurance quoting engine for your website? BackNine offers licensed insurance agents Quote & Apply absolutely free. Quote & Apply is the first and only multi-carrier consumer-facing life insurance e-Delivery, quoting, and eApplication software. Quote the most amount of life insurance product types and complete the eApplication using DocuSign in just a few minutes.

Equisoft Apply

Effortlessly Enhance Your Application Process

 

Instead of entering in dummy forms, have your agents enter an engaging sales flow completely defined by you.

Equisoft/apply is an easy-to-use, sales flow-oriented wizard for eApp Insurance and eDelivery resulting in fast and seamless policy approvals.

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LifetimeAcquire

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Configurable eApp for any customer, with any product, on any channel

LifetimeAcquire is a simple, end-to-end eApp for all sales channels. Coming complete with new tools for agents to facilitate the buying process, LifetimeAcquire smoothly takes applicants from questionnaire to contract.

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ApplicInt’s ExpressComplete

Leading provider of technology used eApp to complete an insurance application. Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies. We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of eApp insurance products.

ExpressComplete is the easy-to-use Drop Ticket with integrated features, such as health analyzer, call scheduling, and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3rd party call centers.  Customizable part A/B reflexive questions ensures cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

iPipeline iGO® is the industry-leading e-Application and your one-stop-shop to complete, sign, and submit applications, with the guarantee that they are in good order. All applications, associated riders, or attachments you might need are in one place. By submitting your applications electronically, rather than on paper, iGO users are experiencing cost reduction of over $100 per application.

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APPS offers a range of services to insurance companies, including paramedical exams and underwriting services. APPS’ underwriting services include Smart Paramed, which is an electronic data-collected exam that provides more efficient and timely underwriting information. With APPS’ Smart Paramed, requestors and agents have the ability to order cases online, receive automatic status notifications at any point during the exam process, view completed cases online, and much more.

Insurance Technologies FireLight

FireLight e-Application capabilities with robust platform features provide carriers and distributors the flexibility and tools to advance the way advisors engage clients and capture business while simplifying back-office business processes.

 

Visit FireLight Site to Learn More 

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Ebix LifeSpeed

Improve and expand the flow of your life insurance application processing by replacing paper-based hurdles with the speed and efficiency of online, Straight Through Processing automation – the LifeSpeed Platform – from EbixExchange USA. The latest technology available for insurance eApps, LifeSpeed is the new innovative means by which, BGAs, IMO’s, broker/dealers, producer/ agents, and other distribution channels can connect with – and process the sale of – products available from insurance carriers.

 

Visit LifeSpeed Site to Learn More 

ePolicy Delivery

Our industry first saw the introduction of electronic policy delivery back in late 2008 when Westcoast Life and AIG offered a simple way to digitize the process. Since then a number of insurance carriers have followed suit in building solutions of their own.  Although ACORD has developed a “guideline” to help carriers and vendors communicate there is no fully developed standard which leaves much to interpretation between parties creating these offerings.  Several industry groups actively push for further life insurance eDelivery standards and higher adoption by both carriers and distributors, these include ACORD, LIMRA, LBTC, and LDMIA to name a few. Currently there are three vendors leading the charge to offer multi-carrier solutions, each having their own unique benefits in how they service carriers and their distribution partners. Roy Goodart 

Fiduciary Genius is a retirement planning software designed for professionals, offering comprehensive coverage of various aspects of retirement planning. It simplifies complex financial calculations, allowing professionals to create accurate retirement plans.

Life Insurance Sustainability AnalyticsLISA – is a powerful, easy to use online toolset that tests Variable and Indexed Universal Life policy illustrations, providing a real-world assessment of the probability of achieving (or not) the policy owner’s expectations for the policy.  Expectations like premiums, income from policy loans and death benefit amounts at critical ages cannot be tested for likely policy success or failure with just the standard industry illustration – LISA is currently the only way to obtain this policy performance risk assessment.

Be Compliant.
Be Transparent.
Get More Sales.

Before Annuities Genius: With thousands of annuities on the market, how can you really recommend the right one in the age of the BEST INTEREST STANDARD? Are you truly offering the best option to your clients?

After Annuities Genius: You have a TRUSTED product validation process to determine client suitability. You keep impeccable, comprehensive records. You have an all-in-one, compliant sales process.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

So, if you want to organize your flows, optimize cost in underwriting, or unleash your own data, be sure to use s360. The future of underwriting arrived.

liz life is a modular suite comprised of three stand-alone solutions that work great separately, and even better together. This solution suite pertains to life insurance lines of business – hence the name – and allows for end-to-end business cycles to take place without prior infrastructure and very minimal IT resources.

  • liz is a modular, pure no-code e-application, and a product configuration & management platform.

  • liz assess is thinktum’s AI-driven personalized underwriting engine. It supports any and all combinations of underwriting models. Accelerated, simplified, reflexive, dynamic, traditional, hybrid, and more.

  • liz data is our data processing and analytics module. liz data provides real-time analytics in the form of monitoring dashboards, logs, timestamps, and more. liz data pulls behavioral analytics data from end-users such as agents and applicants.

Connecting Each Touchpoint on the Sales and Customer Success Journey.

Trusty.care’s end-to-end sales & customer support experience platform has all the software and integrations needed to connect all stakeholders in the health insurance ecosystem, from point of sale to commissions analytics to member engagement and retention. Our modular approach seamlessly connects data, teams, and members to optimize your sales processes. Each module is powerful alone, even better together.

Trusty.care helps your business Connect, Automate, and Grow

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iPipeline DocFast

Watch Video click here: iPipeline DocFast Video

DocFast® streamlines and improves the customer communication experience through secure life insurance edelivery, prospectuses, supplemental documents, annual disclosures, etc. enabling receipt, review and electronic signature. DocFast can cut total the total delivery and signature process down to under 5 days.

Learn more on the DocFast Site

View 2 PDF DocFast documents below:

DocFast Product Overview

DocFast Info-Graphic 

Paperless solution

Paperless Solutions Group – eXpedite

eXpedite offers a radically different approach to ePolicy and edelivery of other life insurrance documents with unlimited flexible workflows and the ability for both carriers and distributors to build their own business rules to manage their unique business needs differently. eXpedite gives carriers an easy and quick implementation path without needing to be PDF ready or following ridged standards.  eXpedite supports the ability to offer up-sell, other-than-applied-for, add-on and cross-selling options along with real-time policy reissue updates. Go to Paperless Solutions Group site to learn more: Let’s Talk 

There are 3 expedite documents – click below:

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Insurance Technologies FireLight e-Delivery

FireLight® life insurance e-Delivery automates and accelerates the electronic delivery process of any policy, contract or document, delivering a complete and enhanced digital communication and sales experience for advisors and consumers. With robust back-office support and features including multiple workflow delivery options, in-good-order delivery data collection, e-signature, and delivery status and audit trail, FireLight life insurance e-Delivery reduces time, labor, and cost associated with manual delivery methods. Get a life, annuity, and other insurance and retirement policies and documents to clients faster and efficiently with FireLight life insurance e-Delivery.

FireLight e-Delivery Site

 

Product Overview PDF click here: FireLight e-Delivery

Consumer Direct Insurance Tools

Policygenius Pro is a life insurance fulfillment platform that combines technology and licensed agents to help consumers get the coverage they need. Launched in 2022, it combines a custom-built CRM system, superior insurance products, and unique carrier integrations, making it the largest producer of term life insurance in the country.

Prodigi is a suite of customizable software tools designed to confirm that the identity of an applicant or account holder. Prodigi’s available features include confirmation of the applicant address using GPS data, voice analytics, multi-variant database interrogations including proprietary sources and subscription-based data, and the ability to validate domestic and international government issued IDs.  Prodigi is designed to interface with existing systems and provide structured results from its algorithms.

Life Insurance Sustainability AnalyticsLISA – is a powerful, easy to use online toolset that tests Variable and Indexed Universal Life policy illustrations, providing a real-world assessment of the probability of achieving (or not) the policy owner’s expectations for the policy.  Expectations like premiums, income from policy loans and death benefit amounts at critical ages cannot be tested for likely policy success or failure with just the standard industry illustration – LISA is currently the only way to obtain this policy performance risk assessment.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

So, if you want to organize your flows, optimize cost in underwriting, or unleash your own data, be sure to use s360. The future of underwriting arrived.

Phonexa

Phonexa is a marketing automation solution which powers Carriers, Agents, and lead generators by optimizing inbound web and call campaigns, and outbound call, email, and SMS campaigns while increasing compliance and enhancing the consumer journey.

Complete with a suite of turnkey marketing products and solutions, Phonexa’s customizable tools are uniquely designed to maximize workflow efficiency and revenue. Phonexa has the scalability, tools, and partnerships to serve clients with high consumer demand products and services.

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Quote & Apply

FREE Life Insurance Quoting Software

Are you looking for a free life insurance quoting engine? How about your own life insurance quoting website? How about a free life insurance quoting engine for your website? BackNine offers licensed insurance agents Quote & Apply absolutely free. Quote & Apply is the first and only multi-carrier consumer facing life insurance quoting and eApplication software. Quote the most amount of life insurance product types and complete the eApplication using DocuSign in just a few minutes.

sureify logo

LifetimeAcquire

 

Configurable eApp for any customer, with any product, on any channel.

 

LifetimeAcquire is a simple, end-to-end eApp for all sales channels. Coming complete with new tools for agents to facilitate the buying process, LifetimeAcquire smoothly takes applicants from questionnaire to contract.

Ucpmplete

 

ApplicInt UComplete

Launched in 2014 as revolutionary Direct to Consumer approach to provide completion of application information

-Snaps into your call center to augment CallComplete or allow the proposed insured to complete the application online

-Integrates with a proprietary pharmaceutical data aggregation system

-Designed to serve up all the forms/data in good order to the carrier for instant decision on a case.

liz life is a modular suite comprised of three stand-alone solutions that work great separately, and even better together. This solution suite pertains to life insurance lines of business – hence the name – and allows for end-to-end business cycles to take place without prior infrastructure and very minimal IT resources.

  • liz is a modular, pure no-code e-application, and a product configuration & management platform.

  • liz assess is thinktum’s AI-driven personalized underwriting engine. It supports any and all combinations of underwriting models. Accelerated, simplified, reflexive, dynamic, traditional, hybrid, and more.

  • liz data is our data processing and analytics module. liz data provides real-time analytics in the form of monitoring dashboards, logs, timestamps, and more. liz data pulls behavioral analytics data from end-users such as agents and applicants.

Life Insurance Straight Through Processing

Direct to consumer is one of the best examples of straight-through-processing (STP). Below are 2 great examples AccuQuote and Quotacy. There are many more direct to consumer sites you can check out as well. For these multi-carrier term quotes there are 3 models: Full underwriting, Accelerated Underwriting and Predictive Underwriting. Learn more about accelerated underwriting and predictive underwriting int he Life Underwriting section of InsurTech Express.  There is a straight through process that starts with a multi-carrier quote and then apply for life insurance online. Once the policy is issued the final stage of STP is eDelivery and in most cases it is driven by the carrier.  Check out the AccuQuote and Quatacy links below and walk through the consumer experience. Also, there is a high level process flow below on using predictive modeling showing term life insurance STP.  Ken Leibow 

Fiduciary Genius is a retirement planning software designed for professionals, offering comprehensive coverage of various aspects of retirement planning.

It simplifies complex financial calculations, allowing professionals to create accurate retirement plans.

Be Compliant.
Be Transparent.
Get More Sales.

Before Annuities Genius: With thousands of annuities on the market, how can you really recommend the right one in the age of the BEST INTEREST STANDARD? Are you truly offering the best option to your clients?

After Annuities Genius: You have a TRUSTED product validation process to determine client suitability. You keep impeccable, comprehensive records. You have an all-in-one, compliant sales process.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

So, if you want to organize your flows, optimize cost in underwriting, or unleash your own data, be sure to use s360. The future of underwriting arrived.

Connecting Each Touchpoint on the Sales and Customer Success Journey.

Trusty.care’s end-to-end sales & customer support experience platform has all the software and integrations needed to connect all stakeholders in the health insurance ecosystem, from point of sale to commissions analytics to member engagement and retention. Our modular approach seamlessly connects data, teams, and members to optimize your sales processes. Each module is powerful alone, even better together.

Trusty.care helps your business Connect, Automate, and Grow

LNRS CMYK POS

LexisNexis® Risk Classifier with Medical Data integrates behavioral and medical history into a single underwriting model. This helps enable life insurers to better understand and segment risk, minimize invasive requirements and accelerate the underwriting decision process.

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ApplicInt’s ExpressComplete

Leading provider of technology used to complete an insurance application digitally.  Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies.  We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of electronic application fulfillment products.

ExpressComplete is the easy to use Drop Ticket with integrated features, such as, health analyzer, call scheduling and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3rd party call centers.  Customizable part A/B reflexive questions ensure cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

Annuity Order Entry

Annuity order entry systems commonly known as “AOE” were first introduced as early as 1998, however gained significant market traction around 2005 for Broker-Dealers to submit business on Variable Annuities. These annuity order entry systems were then connected to the Depository Trust & Clearing Corporation (DTCC) to settle premium money from client brokerage accounts and net commissions. DTCC also provided many other insurance and retirement services such as sub pays on annuities, position & valuation files, and automated financial advisor licensing services. Over the years, these annuity order entry systems expanded into the Financial Institutional Channel (FI) being used by banks, clearinghouses, independent broker-dealers, and most major wirehouses.  The FI distributors use these annuity order entry systems for compliance review workflow, suitability analysis, sub pays, and annuity maintenance. As the annuity market changed, fixed and indexed annuity products were added to the annuity order entry systems. Also in recent years, there has been an attempt to sell a simpler version of these annuity order entry systems to other distribution channels. Ken Leibow 

Emtech Group Inc is the leading provider of enterprise software quality engineering solutions for validating insurance carrier value chains. Our customers are enabled to deliver quality products while avoiding the expensive and embarrassing consequences from the exposure of production defect leakage.

Eliminate Embarrassing Errors Experienced by Distributors and Customers Post-Product Launch by Reaching Full Test Coverage. Introducing QMT a strategic enabler, to help IT executives meet desired business outcomes.

Be Compliant.
Be Transparent.
Get More Sales.

Before Annuities Genius: With thousands of annuities on the market, how can you really recommend the right one in the age of the BEST INTEREST STANDARD? Are you truly offering the best option to your clients?

After Annuities Genius: You have a TRUSTED product validation process to determine client suitability. You keep impeccable, comprehensive records. You have an all-in-one, compliant sales process.

AFFIRM® for Annuities utilizes a wizard-based approach to streamline annuity order entry system and reduce rework and Not in Good Order transactions for both fixed and variable annuity products. Fully compliant both internally and externally, AFFIRM for Annuities utilizes the ACORD product profile, allowing carriers to provide financial institutions all of their product rules electronically, using a standard method.

Click here: Affirm for Annuities Site 

Ebix AnnuityNet

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Designed to increase annuity sales and reduce compliance risk, AnnuityNet is a more efficient, more appropriate annuity order entry system that allows more successful transactions – at a lower cost than manual, paper-based systems. Insurance carriers report an in good order rate somewhere around 90% – often achieving 98%. These quick and simple transactions fully meet all compliance criteria – free sales reps to focus on servicing their clients and building their business.

Click here: AnnuityNet Site 

Insurance Technologies FireLight

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FireLight® is a multi-carrier annuity order entry systems and sales platform that delivers a suite of interconnected sales components that transforms the way insurance, retirement, and investment products are marketed, sold, and supported. Built from the ground up, FireLight provides a configurable, cost-effective solution to implement and manage, while offering a consistent user experience and shared data from account opening to the illustration through e-application and post-sale services. FireLight delivers unique flexibility along with a powerful rules engine, built-in e-signature, robust API capabilities, and self-managing tools, efficiently supporting various lines of business, workflows, and sales processes. Create cohesive sales experiences for your advisors and consumers with FireLight Sales Platform.

Click here: FireLight Site

Digitize Handwritten Insurance Applications

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Everybody talks about big data with many uses starting with predictive analytics, what you never hear is how do we create usable big data and that is Paperclip Mojo, where big data begins.

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 accurately than ever before is a “Game Changer”.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

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