Paramedical Solution Providers
Underwriting & Claims
Underwriting and Claim Tools and Services
IBM Insurance Intelligent Operations (IIO) â 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 60â80%, 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.
Bestow’s Underwriting empowers you to build and test new products rapidly using our flexible rules engine. 1 Enhance your underwriting workbench with the power of automation, streamlining processes and driving efficiency.
LDSâ˘
new business and underwriting solution
LDSâ˘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.
Employee Pooling Management Systems’ underwriting services help firms determine the rating class of a submitted case. They offer support throughout the process, from initial submission to final approval.
Services include:
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Prequalification: They assist with the prequalification and management of informal cases.
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Case Shopping: They help with shopping rated cases.
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Medical Data: They retrieve medical records, provide comprehensive summaries, and offer electronic access to reports on prescription drug and lab data, including prescribing physicians and actuarial information.
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Case Consultation: They provide consultation and assessments for specific cases.
ExamOne, a Quest Diagnostics company, provides a comprehensive suite of solutions to streamline and enhance life insurance underwriting processes. Their offerings range from traditional paramedical exams and laboratory testing (including services like LabPiQture for historical lab results and ScriptCheck for prescription history) to advanced data-driven tools. Key among these is “Risk Identifier,” an underwriting decision support tool developed in collaboration with UnderwriteMe, which leverages a vast array of digital health data, electronic health records (EHRs), and medical claims to provide real-time risk assessments and decision recommendations. ExamOne also focuses on accelerating medical record retrieval, offering solutions for traditional Attending Physician Statements (APS) and integrating with EHR systems to reduce turnaround times. By combining their extensive data sources, analytical capabilities, and nationwide specimen collection network, ExamOne helps insurers achieve greater efficiency, accuracy, and confidence in their underwriting decisions, ultimately improving the applicant experience.
RESONANTÂŽ FIELD UNDERWRITING (FORMERLY XRAE)
ResonantÂŽ Field Underwriting is a tool that helps you accurately set customer expectations at the beginning of the sale process. On-demand field underwriting returns a health class rating or range based on published and unpublished carrier rules, and gives you immediate, automated responses to almost all of your quick quotes. Multi-carrier results are generated instantly with table/health class and price range, and you can manage multiple impairment cases seamlessly.
LexisNexisÂŽ Risk Classifier with Medical Data
LexisNexisÂŽ 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.
LexisNexisÂŽ Life Data Prefill
As an interactive single-inquiry solution, LexisNexisÂŽ 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.
LexisNexisÂŽ Human APIâ˘
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
eValuate
Improving Risk Selection is a goal of all insurers and agencies. eValuate (eV) supports carrier-specific underwriting rules including multiple impairments, co-morbidities, debits and credits, temporary flat extras and other âsecret-sauceâ. It provides Agency workflow and the ability to review and quote multiple Carriers, including specific automated underwriting guidelines and impairment parameters!
eValuate PLUS
Automate underwriting with eValuate PLUS (eV PLUS) a flexible and powerful decision tool from PSG that supports full data driven analysis for multiple products (Life, DI, FE, etc.) based on carrier specific rules that can be directly managed to keep underwriting guidelines confidential.
eRequirement
Convenient, Secure and Fast. eRequirement (eR) eliminates the paper chase for post submission or inforce requirements. Regardless of how the application originated your case can be back on track with an average of 3.4 from start to finished.
Posit strengthens life underwriting analytics with transparent, regulator-ready risk evaluation tools. Posit Connect brings underwriting teams real-time access to predictive risk scores, mortality/morbidity models, and triage dashboards used in accelerated, fluidless, and full-underwriting programs. Posit Package Manager ensures every model is reproducible and validated with secure, controlled package dependenciesâcritical for MIB, APS, EHR, lab, and credit-based data sources. Posit Workbench supports data scientists and actuaries in developing advanced underwriting models inside a secure environment designed for sensitive health and behavioral datasets.
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.
Solvrays streamlines underwriting workflows by automating data intake, surfacing real-time insights, and integrating external data sources (e.g., labs, EHRs, MIB). This speeds up underwriting decisions and enhances underwriter productivity through intelligent case routing and alerts.
Spinnaker Analytics has been driving insurance sales growth for carriers and brokers for more than two decades. Headquartered in Boston, Spinnaker has deployed its solutions globally. Their solutions help leading insurers identify new sales opportunities, improve their workflows, and optimize their workforce to improve overall efficiency and effectiveness.
The Tapp Mobile Qualify App kickstarts the field underwriting process by scanning the candidate’s driver’s license barcode. This empowers agents to conduct real-time client prequalifications securely and efficientlyâright from their mobile device, with secure Face ID login and built-in HIPAA authorization. Designed with on-the-go accessibility in mind, this app streamlines the early assessment process using simplified workflows. Whether you’re in the field or between meetings, Mobile Qualify helps you identify viable leads quicklyâso you can focus on the right prospects, faster.
Tapp’s First Notice of Loss simplifies the most critical moment in the claims journey without relying on cumbersome phone call documentation. It puts claim initiation directly into the hands of the person most invested in accuracy: the beneficiary.
TruVision⢠Life – Provides a credit-based insurance risk score predictive of mortality and lapse for use in life insurance underwriting.
TruVision⢠Driving History – Leverages traffic-related court record data and enhanced state MVRs to identify consumers with ratable violation activity and selectively order MVRs.
TruLookup⢠Deceased – Uses sophisticated linking of data sources to help fill in the majority of missing deaths, leveraging a combination of low latency data sources and our proprietary matching algorithms, our solution is designed to minimize the return of false positive results and yield reliable matches.
UnderwriteMe is a leading provider of risk management and marketplace solutions for the life and protection insurance market, with Underwriting Tools that empower insurers and distributors to accelerate underwriting and claims and streamline the insurance application journey through data, automation and intelligent workflows.
The UnderwriteMe Decision Platform is a configurable risk management platform that enables life and health insurers to automate underwriting and claims processes, designed to integrate seamlessly with existing systems and data sources to help insurers improve efficiency, enhance customer experience and apply underwriting expertise consistently at scale.
Xcela.ai is a company that leverages AI technologies to streamline and enhance the life insurance sales and operations process. Their platform integrates various AI-driven tools to simplify tasks such as client information gathering, risk assessment, and  generating field underwriting offers. This helps insurance agents and agencies work more efficiently and effectively.