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LIFE INSURANCE
Application to claim across life, annuity and benefits portfolios, operated on one intelligent layer with underwriting and payment authority retained by your team.
THE CHALLENGE
Life and annuity carriers administer contracts that outlive the platforms they were written on. New business waits on medical requirements and attending physician statements. In-force servicing spans several administration systems, some closed to new business and none of them consistent. Claims arrive from beneficiaries who did not choose the carrier and have no account relationship with it.
Meanwhile the compliance load keeps growing, across suitability and replacement review, insurance anti-money laundering obligations, Death Master File matching, and unclaimed property reporting in every state of issue.
Anaptyss operates these workflows inside your existing administration platforms, including legacy and closed block systems. No conversion is required to begin.
OUR SOLUTION
We document how an application, a service request and a claim actually move through your systems today, including the manual steps that sit outside the documented process. AI handles document intake, requirement tracking, data capture and file preparation. Your underwriters and claim examiners keep every risk and payment decision, with a complete record behind each file.
Application intake and data capture, requirement ordering including attending physician statements, medical records, laboratory results and inspection reports, requirement follow-up, and underwriting file preparation for the underwriter’s decision.
Policyholder, beneficiary and producer servicing across voice, chat, email and secure message, with beneficiary contact handled by staff trained for it.
In-force servicing across beneficiary and ownership changes, address and banking updates, fund transfers and allocation changes, policy loans, surrenders, withdrawals, conversions and reinstatements, along with annuity contract servicing.
Death claim intake and beneficiary verification, proof of death and documentation review, contestable and early claim review support, disability and waiver of premium claims, accelerated benefit claims, and annuity and income payment claims.
Servicing continuity on legacy and closed block administration systems, data remediation, and conversion and migration support when a block does move.
Premium accounting and mode changes, grace period and lapse tracking, reinstatement processing, paid-up and non-forfeiture handling, and premium reconciliation and suspense clearing.
Producer licensing and appointment administration, hierarchy maintenance, commission calculation and adjustment, chargeback processing, and a dedicated producer support desk.
Insurance anti-money laundering and sanctions screening, suitability and replacement review support, Death Master File matching, unclaimed property and escheatment reporting, and regulatory and statutory reporting support.
Cession processing and treaty data maintenance, reinsurance premium calculation and reconciliation, recovery on claims, and resolution of reporting differences with reinsurers.
Term, whole life, universal and variable universal portfolios across new business and in-force servicing.
Fixed, indexed and variable annuities, including income and payout phase administration.
Employer-sponsored life, disability and voluntary products with enrollment-driven volume cycles.
Retirement portfolios and pension risk transfer blocks with long-duration payment obligations.
Runoff and acquired blocks where servicing quality must hold without new business economics behind it.
Accelerated underwriting platforms scaling faster than their servicing and claims operations.
WHAT IMPROVES
Requirement ordering and follow-up run as a managed process rather than a queue, which reduces the time an application spends waiting on evidence and lowers not-taken rates.
Documentation review and beneficiary verification are completed to a single standard, which shortens settlement time on the interaction a family remembers.
Death Master File matching, unclaimed property reporting and suitability documentation are maintained continuously rather than reconstructed for an examination.
Trained capacity operates on closed block and legacy systems, so servicing quality does not depend on the small group of people who still know those platforms.
OUR APPROACH
We establish your product rules, product provisions, suitability requirements, claim handling standards and escalation paths before any team structure is set, then build the workflow around them.
Your policy administration systems, including closed block and legacy platforms, along with your illustration, imaging and producer portal tools determine how the work runs. Specialists are trained and certified on your configuration before they work on a live policy, claim or transaction.
The team that handles intake also completes the downstream work, including follow-up, correspondence and file closure. Turnaround times hold through volume peaks and seasonal surges.
Document classification, data extraction, requirement tracking and file preparation are handled by accelerators built for regulated insurance workflows, not by general-purpose automation adapted to them.
Underwriting decisions, claim approvals and payment authorization, suitability determinations and remediation outcomes remain with your team. We operate everything around the decision, including intake, verification, documentation and the audit trail.
AI ACCELERATORS
Each accelerator is deployed where manual effort concentrates and integrates
with the platforms you already operate.
Insurance anti-money laundering and sanctions screening across applicants, owners, payors and beneficiaries, with alert investigation and disposition.
Reads applications, attending physician statements, medical records, laboratory results and claim documentation, and converts them into structured, workflow-ready data at intake.
Design and operating effectiveness testing of suitability, replacement, unclaimed property and claim handling controls, with reviewer sign-off at each step and a complete audit trail.
Role-based training for new business, policy services and claims staff on your product provisions and claim handling standards, including beneficiary contact, before they work on live files.
INSIGHTS
Long formLayered research on governance, model risk, and controls.
WeeklyShort signals from teams building AI inside regulated walls.
Practitioner guidesStep-by-step playbooks you can hand to an operating team.
Live & on demandSessions with practitioners, broadcast and archived.
In most carriers requirement chasing accounts for more of the cycle than underwriting itself, and the same pattern repeats in claims. A short review of your new business and claim intake will show where the waiting sits and what it costs in placed premium and settlement time.
