Big Data provides an enormous opportunity on blocks of Inforce Policy Management business. It can be used for predictive modeling for underwriting, policy persistency, lapse trends, new sales opportunities, and many more critical analysis benefits for a carrier and distributor. This page will explore data mining and analytics, and introduce you to solution providers that can turn the data into new opportunities. Inforce Platforms are designed for an advisor to monitor their block of business and do client policy reviews. There are consumer Mobile Apps where a client can make changes through Inforce Policy Management system.
Life Inforce Policy Service
AI-powered life insurance illustration analysis for advisors, firms, and fiduciaries. Upload an in-force or new business illustration — receive a structured policy review with Health Score, funding analysis, rider evaluation, and client-ready reporting in minutes.
Five purpose-built modules: PolicyCheckup (client engagement), PolicyReview (single-policy diagnostic), PolicyMatch (goal alignment), PolicyCompare (side-by-side comparison support), and TOLIReview (fiduciary review for trust-owned life insurance).
Built by Robert Chwalk, CFP®, CLU®, ChFC®, a 30-year financial services veteran with experience at UBS, Merrill Lynch, and Fidelity Investments. Built on SOC 2 Type II-attested infrastructure. Zero-Knowledge PII architecture.
Bestow’s Administration Portal provides powerful servicing tools and TPA solutions, simplifying both pre- and post-issue servicing for administrators and customers alike.
LifetimeService is a self-service platform that puts your policyholders in charge of their life insurance, easily and intuitively, allowing you to configure the experience you want your policyholder to have, including branding, layouts, workflows, and policy data.
LDS™
new business and underwriting solution
LDS™ is a comprehensive digital new business and underwriting platform with a flexible eApp and full automated underwriting and workflow capabilities. You can automate your entire new business and underwriting process from receipt of app through to policy issue.
IBM Insurance Intelligent Operations (IIO) – AI-Powered L&A TPA / BPO Platform
IBM Insurance Intelligent Operations (IIO) is a full-stack, AI-powered transformation platform that replaces manual, fragmented insurance operations with intelligent, autonomous workflows. Purpose-built for Life & Annuity carriers, IIO combines generative AI, advanced analytics, and industrialized operations to deliver step-change performance, cutting operating costs by up to 40% within 12 months, increasing straight-through processing to 60–80%, and reducing cycle times by 50%+. For carriers under pressure to modernize, scale, or optimize capital, IBM IIO delivers measurable outcomes, fast, at scale, and with accountability.
Leopard is the AI-powered system built to modernize in‑force life and annuity management. Forget portal hopping, manual policy reviews, or clunky legacy systems.
Leopard gathers messy policy data from across carriers, uses proprietary AI to surface conversion, replacement, and up‑sell opportunities, and outfits agencies, financial institutions, advisors, and carriers with instant quotes and polished sales materials. It’s the hidden layer that connects the dots and turns overlooked books of business into consistent growth engines—all while freeing your team to focus on sales.
The One Inc ClaimsPay integration is a comprehensive platform that delivers a frictionless payment experience via expanded payment methods and channels, easy-to-use portals, and established vendor/financial institution partnerships that allow all insurance payment use cases to be handled digitally on a single platform, including total loss lienholder and mortgagee payments.
The One Inc PremiumPay Platform is a comprehensive platform that delivers a frictionless payment experience via expanded payment methods, easy-to-use modals/portals, digital premium disbursements, and real-time financial reporting. The One Inc wallet provides customers with the expected continuity across payment channels and empowers carriers to deliver an optimized and seamless experience.Â
Scalable, enterprise solutions for the entire insurance industry.
Paperclip enables enterprises to harness the power of their documents and data without ever sacrificing security. As a trusted software technology partner, Paperclip creates operational efficiencies, improves digital communication, and secures valuable data for some of the largest globally recognized brands worldwide.
Our clients trust Paperclip solutions to securely capture, transcribe, store, and exchange their most sensitive data, such as PII, PHI, NPI, and corporate IP. With more than three decades of customer-centric innovation, Paperclip is a proven strategic partner that continues to revolutionize the content supply chain for the insurance industry
Paperclip Mojo® Data Transcription: Harness the power of machine learning to accurately capture data from any file format—including images, PDFs, spreadsheets, XML, and other structured sources. Mojo supports multiple onboarding ramps to meet partners where they are, including Mojo Easy, Internet eXpress, Virtual Client Folder (VCF), SFTP, and API integrations, enabling fast adoption while maintaining security, compliance, and consistency across workflows.
SIGN® eSignature: Say goodbye to complicated e-sign solutions. Paperclip Sign delivers a single, unified workflow for both wet and digital signatures, combining simplicity with top-tier security standards. It works seamlessly with all file types and requires no setup.
Solvrays improves inforce policy servicing by unifying disparate systems and automating policyholder service requests. From beneficiary updates to billing inquiries, it creates automated workflows that reduce processing time and increase customer satisfaction.
LifetimeService is a self-service platform that puts your policyholders in charge of their life insurance, easily and intuitively, allowing you to configure the experience you want your policyholder to have, including branding, layouts, workflows, and policy data.