Product
Individual Life
Term, whole life and endowment, quoted in seconds and underwritten the same day.
Overview
A single applicant moves from lead to issued policy without re-keying data. Indicative quotes are priced the moment a customer is added, and the underwriting case collects only the evidence that applicant's age, cover and health actually require.
Built for: Insurers and agencies selling individual protection and savings plans.
Instant quotes for every eligible plan
Adding a customer prices the whole plan catalogue using deterministic actuarial math. No model call, no waiting.
Evidence that fits the risk
The requirements engine decides what is mandatory from age, cover, cover-to-income, smoker status and BMI. A medical exam is booked only above the non-medical limit.
Customer self-service links
Applicants complete their own e-application and book a panel clinic slot through single-use, expiring links. No account needed.
Counter-offers, not just yes or no
Loadings and revised terms go back to the customer as a counter-offer they accept or decline, with the full history kept.
How it works
From first contact to issued policy
- Step 01
Add the lead
Agent, portal or copilot captures the applicant; quotes are ready immediately.
- Step 02
Open a case
Six pre-underwriting gates collect disclosure, compliance, payment and history.
- Step 03
Underwrite
Medical, financial and fraud risk are scored in parallel, then rules decide.
- Step 04
Issue
Terms accepted, first premium collected, beneficiaries recorded, documents generated.
Example plans
Illustrative plan catalogue
Demo plans and indicative rates only. Each insurer configures its own catalogue and rate tables.
Term Life 20
- Term
- 20 years
- Cover
- PKR 2M – 50M
Indicative contribution
PKR 1,850 / mo
Whole Life Secure
- Term
- To age 85
- Cover
- PKR 1M – 25M
Indicative contribution
PKR 4,200 / mo
Endowment Saver
- Term
- 15 years
- Cover
- PKR 1M – 20M
Indicative contribution
PKR 9,600 / mo
Questions
About Individual Life
Does an AI model decide whether to approve an application?
No. Models help extract and assess evidence, but the verdict comes from a deterministic rule chain that can be audited and replayed.
What if an applicant is missing documents?
The case stays in Pending Documents and the risk engine is not called until mandatory requirements are satisfied or waived by an authorised user.
See the full journey on demo data
We will walk you through a lead becoming a policy and a claim, with the copilot driving where it helps.