Underwriting Workbench
Underwriting workbench for life insurers
Simfuni gives underwriters a focused workbench to assess applications, capture decisions, apply loadings and exclusions, and send offers of terms.
Benefits
Assess applications with less admin
Improve assessment visibility
Give underwriters a clearer view of each application, including tasks, notes, documents, decisions and current status.
Reduce assessment admin
Bring case details, documents, notes and next actions into one workspace, so underwriters spend less time moving between systems.
Support decision consistency
Apply shared underwriting rules, exclusions and decision records so assessments are handled more consistently across products and teams.
Move faster from assessment to offer
Help underwriters capture outcomes, generate offers of terms and move applications forward with fewer manual steps.
Key capabilities
Manage each underwriting assessment in one workspace
Each life insured has a focused workspace that brings decisions, tasks, notes and documents together. Outcomes are captured by cover, and the application status moves as the assessment progresses.
Case management
Manage each application from one workbench, with the life insured's details, status and assignee in the header and everything else a tab away.
Tasks, notes and documents
Capture tasks, notes and supporting documents against the case, so the assessment record stays together.
Decision capture and outcome logging
Record an outcome for every cover, with the exact date and time of the decision captured at finalisation.
Underwriting rules
Apply rider loadings and exclusions, with a shared exclusion library that keeps wording consistent across products.
Offer of terms correspondence
Generate and send offers automatically through the customer's preferred channel, without manual document preparation.
AI-assisted triage and summaries
Use AI to surface and summarise relevant case information for assessor review, while final decisions stay with your team.
How it works
From assessment to offer in one flow
Decisions captured the way underwriters work
The assessment flow follows three clear stages: set the outcome for each cover, send the offer of terms, then finalise the decision. Loadings and exclusions attach to the cover, shared wording keeps exclusions consistent, and the application status updates as the assessor progresses.
- Outcome per rider, with child riders following the parent
- Loadings and a shared, centrally managed exclusion library
- Offers generated and sent on the preferred channel
- Finalisation stamps the exact decision date and time
