Underwrite effectively

A fast, simple and highly secure way to submit cases and exchange information.

What is it?

A streamlined case-submission process with real-time updates that can help you better achieve your goals. 

Value for your business:

• Save time with quick and easy installation and case referral. 
• Improve transparency by knowing where every case stands. 
• Real-time updates and reporting with access to any case at any time, enabling more informed decisions. 

Improve risk selection by optimising your underwriting process.

What is it?

Talk with our team of actuarial and underwriting innovation experts ready to share AUW insights and best practices. Receive recommendations once we’ve studied your current underwriting programme, pain points and opportunities.

Value for your business:

• Minimise labs and APS orders.
• Make use of new data sources.
• Reduce mortality slippage.

Enhance underwriting and customer interactions with the latest behavioural insights.

What is it?

We apply BE concepts both in the way we underwrite and how we interact with clients to ensure a human-first approach. This helps clients better understand their customers, shape behaviour interventions and lead to more honest disclosures, resulting in more accurate underwriting.

Value for your business:

• Insight into what unconscious biases and heuristics impact customer and underwriting decisions.
• Ideas that will drive favourable changes in buying behaviour, accurate disclosure and reduced biases in underwriting.
• Interact with clients in the most effective way, backed by research-based insight.

Unparalleled underwriting support and resources.

What is it?

Access to Swiss Re’s industry-leading collection of underwriting case consultants, reports and statistics, with the ability to swiftly secure available capacity.

Value for your business:

• Access to technical underwriting reviews by expert underwriters.
• Protect your portfolio from emerging risks by sharing Swiss Re’s risk appetite.
• Increase efficiency, improve the consumer experience and insure more lives.

Make confident decisions as you navigate the vendor landscape.

What is it?

Swiss Re has developed strong partnerships with established third-party data providers as well as new ones coming onto the life insurance scene. Talk with our team of experts about the unique value proposition of each and how they could augment your underwriting process.

Value for your business:

• Monitor the ever-changing landscape of offerings, and various versions of a given tool.
• Preserve mortality using tools that support your automation and acceleration goals.
• Receive support with analysis and scorecard determination.

Personalise real-time consumer interactions and offer shared-value products designed around their health and wellness needs.

What is it?

Did you know that 72% of consumers are willing to share personal data to get cheaper insurance premiums? Personalisation is the way of the future and engaging with customers on health and wellness can help us get there. We provide knowledge and capabilities to help you develop the product and programme, and in exchange may hold a portion of the risk. Together, we can launch your health engagement programme.

Value for your business:

• Improve policyholders' health and longevity.
• Grow profitably with new and existing consumers.
• Differentiate your product offerings and improve your mortality and persistency experience.

Help to address insulin resistance, a root cause of modern chronic diseases or non-communicable diseases (NCDs).

What is it?

Metabolic health covers preventative wellness and intervention programmes (initially for in-force) for pre-diabetes, diabetes, obesity and any metabolic syndrome conditions (hypertension, high triglycerides, low HDL, obesity). These have insulin resistance as the underlying cause.

Available partners/programmes range from information access to apps, coaching, Continuous Glucose Monitor integration and even GP access (e.g., for de-prescribing). All focus on improving metabolic health and reducing insulin resistance – mostly through nutrition and controlling glucose and insulin spikes.

Value for your business:

Opportunities for new underwriting risk factors and more accurate and cost-effective underwriting.

Developing underwriters for the future and keeping them informed about the latest innovations and insights.

What is it?

Swiss Re provides training across a spectrum of topics to train those new to underwriting and develop experienced underwriters. This work involves our Global and Market Chief Medical Officers and our extensive expert network. It’s rooted in Life Guide and digitally enabled, adding a personal touch where possible.

Value for your business:

• Training new and developing current underwriters in line with Life Guide philosophies and industry insights.
• Save the cost of having to develop in-house training, with world-leading technical and medical knowledge at your fingertips.
• Focus Swiss Re’s global and market knowledge on the latest trends and provide deep insights, all backed up by evidence-based rating guidelines.

Quality control beyond simple case-checks.

What is it?

Swiss Re audits are a review of technical decision quality and so are an essential part of good risk management. Our skills go beyond this and can also be used as a consultancy-type review. We cover all aspects of the case-handling process, enabling improved efficiency, reduced costs and better customer outcomes.

Value for your business:

• Training and development needs identified and solutions proposed.
• Potential operational cost-savings delivered through more efficient processes.
• Faster/better customer decisions facilitated, leading to improved business placement results.

Industry leading advisory and analytics service.

What is it?

On-site reviews or remote document reviews, both supported by interview-based analysis to deliver best-in-class advice on skills, processes, products, underwriting journeys, automatic evidence limits and more. Apply advanced analytics to your underwriting data to unlock deeper insights and power business decisions.

Value for your business:

• A commercially focused "outside in" view which helps you to identify both short and long-term changes required.
• Operational cost savings and speedier customer service facilitated.