The Problem

Insurance products require long approval times as well as lengthy forms and applications. Processing is paper, time and staff-intensive. Forms may be kicked back for additional information. This leads to a long and frustrating process with paperwork passing back and forth among agents, brokers and insurers. Even after this lengthy process, the policy may never be put in force.

The Solution

The SimplifySubmission® is an easy to use, Web-based underwriting system that allows agents, brokers, insurers, consumers and other users to qualify, rate, quote, bind and deliver policy documents virtually in minutes. This ability to process on-line in real time allows insurers to reduce policy issuance from weeks to minutes. And it makes selling even small premium and low limit products worthwhile for agents.

Easy-to-use wizards guide users through the application process, the first stage of this underwriting system. The sequence of questions assures that all data is validated prior to submission to ensure complete and accurate applications. Rating and qualification information is presented up front and ineligible risks are screened out before reaching the insurer. Approval is immediate.


Technology

SimplifySubmission® can be easily accessed through any machine with a simple browser such as Internet Explorer or FireFox. The application is very light weight AJAX application developed in GWT and Spring Framework.

Decision making is automated through simple rules that are evaluated by a rules engine. These rules can be easily customized when business needs change. A powerful workflow engine drives the business process through various departments and people through a combination of automated scripts and manual tasks.

It can be deployed on any operating platform of choice such as Windows or Linux distros.