Life, Annuities & Health
Live risk. Live pricing. Live customer journeys.
Accelerated underwriting, wellness-led pricing, and wearable-native products.
The winning L&H carriers price policies on a continuous stream of behavioral, clinical, and wearable data — not a static application from six years ago. We stand up the ML pipelines, clinical audit workflows, and compliance guardrails that let you underwrite in minutes and re-price on the fly.
How AI reshapes life, annuities & health.
Accelerated underwriting
LLMs read attending physician statements and lab results with 99%+ extraction accuracy, cutting UW cycle time from weeks to hours.
Wearable-native pricing
Continuous underwriting engines that ingest Apple Watch, Fitbit, and Whoop signals into dynamic risk scores.
Longevity & annuity modeling
Deep-learning longevity curves calibrated on your book — with regulator-ready explainability.
Weaving humans into every L&H workflow.
Software alone isn't a strategy. Every Life, Annuities & Health engagement pairs the platform with a dedicated, regulator-fluent pod — augmented by proprietary copilots so capability compounds instead of stalling.
Clinical audit pods
Licensed nurses and medical reviewers double-check high-severity cases, in loop with the AI.
New-business operations
AI-augmented case managers close the last-mile paperwork — trained on your product suite.
In-force servicing
Beneficiary changes, claims intake, and annuity servicing delivered as a managed service.
"An APAC life insurer launched wearable-linked term life in 90 days on our composable L&H stack."